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CoastalSouth Bancshares Inc. (COSO) — RQD Stock Rating Cockpit

$27.98 +0.50% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $28.07

CoastalSouth Bancshares Inc. (COSO) earns a Roarable Rating of B- (Buy) with 71/100 RQD Confidence. High-quality cash engine (steady margins, 10% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 71/100 (B-) historically ranked in the Top 14% of excess returns over the next 90 days (+6.8% avg 90D alpha vs SPY • 68.4% hit rate) →

ROARABLE B- • BUY Cap $328.3M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $28.07 (+0.33%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 3088.1% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 71/100 (B-) historically ranked in the Top 14% of excess returns over the next 90 days (+6.8% avg 90D alpha vs SPY • 68.4% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B-

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk B+

Each axis scored 0–20

12M PRICE TARGET CONE+5.9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for COSO)Realized 20D OHLCV Swing Band: ±4.7%

Deterministic 5-Pillar Attribution (71/100 Composite)

🔍 WHY COSO SCORES 71/100 (B-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+18/20 pts (25% of score)

FRED Regime × Technicals: 93% of 52W Range • RSI-14 at 61.1 (BULLISH MOMENTUM)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning9/20 pts (-11 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-11 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C+$26.67-0.1% Next Q

Q2 (-2Q)

Grade B-$26.65+4.8% Next Q

Q3 (-1Q)

Grade B-$27.92+0.2% Next Q

Current

Grade B-$27.98+6.8% Hist 90D α

Trajectory: C+ (63) → B- (71)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the COSO Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 71/100 (B-) score, COSO faces multiple-compression risk if 13.2x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($27.15) or 200D SMA ($26.04) invalidates the momentum regime and cuts Target Base ($29.62) toward Bear Floor ($22.94).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $COSO• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “COSO Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 71%NO 29%Trade / Inspect Odds →

RSI-14 MOMENTUMBULLISH MOMENTUM

61.130 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

6 / 99-Pt Accounting

52-WEEK LASER RANGE93% OF RANGE

L: $21$27.98H: $29

1. Money & Cash Health● HEALTHY

Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: BRQD 15 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: CRQD 25 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: B+RQD 31 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bullish on COSO

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (75)

9.6% ROIC with 42.0% gross margin and 18.67% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 6/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (72)

25/40 institutional & smart-money positioning score with 18/20 macro alignment.

Bull Case: Why Buyers Like COSO

✓Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.
✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (COSO Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

COSO // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +9.51%⚡ TESTING RESISTANCE

2026-10-30O $27.61H $28.01L $27.61C $27.98VOL 36.5K

RES: $28.15SUP: $25.55SMA50: $27.15SMA200: $26.04

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

COSO Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 COSO Butterfly Map → + Track COSO →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

4.5%/yr Implied 5Y Growth

vs. +6.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on COSO today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for COSO. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for COSO today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (COSO)

Financials Rank #127 of 1096 ⚔️ JMSB vs COSO Full Matrix →

1. Head-to-Head Financials Peer Comparison (COSO vs. JMSB, BCML, CBNA, NEWT)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, CoastalSouth Bancshares Inc. (COSO) ranks #127 by composite RQD confidence (71/100, grade B-) and #792 by equity capitalization ($328.3M). Within this direct 5-issuer industry benchmark cohort, NEWT leads on earnings valuation at 5.3x trailing P/E, while NEWT leads on capital efficiency and profitability with 15.2% ROIC and — gross margin. COSO currently leads its immediate peer cohort in composite quantitative strength at 71/100 (B-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
COSO ACTIVE CoastalSouth Bancshares Inc.	B-	71/100	13.2x	—	9.6%	+0.50%	$328.3M	Benchmark Subject
JMSB John Marshall Bancorp Inc.	C+	67/100	15.4x	—	8.0%	+1.18%	$326.8M	/jmsb-vs-coso →
BCML BayCom Corp	C+	68/100	14.1x	—	7.1%	+0.95%	$336.6M	/bcml-vs-coso →
CBNA Chain Bridge Bancorp Inc. (Class A)	D+	53/100	16.7x	—	12.0%	+1.14%	$337.3M	/cbna-vs-coso →
NEWT NewtekOne Inc.	D	47/100	5.3x	—	15.2%	-3.93%	$318.0M	/newt-vs-coso →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2024–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001297107

In its most recent audited fiscal period (FY2025, filed 2025-12-31), CoastalSouth Bancshares Inc. (COSO) reported GAAP revenue of $2.0M (+6.4% vs. FY2024 revenue of $1.9M ) , GAAP net income of $24.9M, operating cash flow of $63.1M, and free cash flow of $61.3M (+535.3% YoY). On the balance sheet, COSO closed FY2025 with $2.31B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$2.0M	$24.9M	$63.1M	$61.3M	$2.31B	—
FY2024 (FY)	2024-12-31	$1.9M	$21.9M	-$12.7M	-$14.1M	$2.10B	—

3. COSO Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is COSO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, CoastalSouth Bancshares Inc. (NYSE: COSO) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 71/100 at a spot price of $27.98 (+0.50% 1D, market cap $328.3M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 18/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, COSO ranks #127 in composite RQD confidence.

How does COSO compare to JMSB and BCML in the Financials sector?

Within the Financials sector (Major Banks), COSO carries a Roarable B- (71/100 RQD), trailing P/E of 13.2x, gross margin of —, and ROIC of 9.6%. By comparison, JMSB (John Marshall Bancorp Inc.) holds a C+ grade (67/100 RQD, P/E 15.4x, ROIC 8.0%, cap $326.8M) and BCML (BayCom Corp) posts a C+ grade (68/100 RQD, P/E 14.1x, ROIC 7.1%, cap $336.6M). Among the 5-stock peer group, NEWT leads on earnings multiple (5.3x) while NEWT leads on capital efficiency (15.2% ROIC).

What are the biggest fundamental strengths and SEC risk factors for COSO?

Per COSO's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001297107), CoastalSouth Bancshares Inc. generated $2.0M in revenue (+6.4% YoY), $24.9M in net income, and $61.3M in free cash flow against $2.31B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is COSO trading relative to its 50-day, 200-day, and 52-week technical levels?

COSO last traded at $27.98 (+0.50% on volume of 64,549 shares), positioning the stock +3.06% above its 50-day simple moving average ($27.15) and +7.45% above its 200-day simple moving average ($26.04). Across its 52-week range of $20.80 to $28.56, COSO sits at the 92.5% percentile with a 14-day RSI of 61.1 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.7% ($26.66 to $29.30).

COSO Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell COSO stock right now?

CoastalSouth Bancshares Inc. (COSO) currently earns a Roarable Rating of B- (Buy — BUY) with 71/100 RQD Confidence. High-quality cash engine (steady margins, 10% return on capital) with steady institutional support.

What is COSO's 12-month price target and RQD AI Jury consensus?

COSO's 12-month base price target is $29.62 (range $22.94 to $34.95), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: COSO RQD Cockpit COSO 12M Forecast COSO Earnings & Move COSO Dividends & DRIP COSO Insiders & 13F COSO Whale Options COSO Profit Sankey COSO News & Why