Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
CoastalSouth BancsharesCOSO +0.55%55 Debt-to-Equity is 0.28 as of Jun. 2026, which is 17% above its 10-year median of 0.24. GuruFocus rates COSO with a GF Score™ of 55/100 and a GF Value™ of $21.52 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,414 Banks companies, CoastalSouth Bancshares ranks better than 70.79% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for CoastalSouth Bancshares's Debt-to-Equity or its related term are showing as below:
COSO'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.01 Med: 0.24 Max: 1.66
Current: 0.28
During the past 10 years, the highest Debt-to-Equity Ratio of CoastalSouth Bancshares was 1.66. The lowest was 0.01. And the median was 0.24.
COSO's Debt-to-Equity is ranked better than 70.79% of 1414
companies
in the Banks industry
Industry Median: 0.58
vs COSO: 0.28
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
CoastalSouth Bancshares Debt-to-Equity Related Terms
CoastalSouth Bancshares Debt-to-Equity Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
COSO vs CSHX, VLNT, FVCB: Debt-to-Equity Comparison
For the Banks - Regional subindustry, CoastalSouth Bancshares's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
CoastalSouth Bancshares Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, CoastalSouth Bancshares's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where CoastalSouth Bancshares's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
CoastalSouth Bancshares (COSO) has a Debt-to-Equity of 0.28 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on CoastalSouth Bancshares and its competitors. This is 17% above median its historical median of 0.24. Over the past decade, CoastalSouth Bancshares' Debt-to-Equity has ranged from 0.01 to 1.66. According to the industry distribution chart, CoastalSouth Bancshares ranks #413 out of 1414 companies in the Banks industry, placing it in the top 29.2%.
Is CoastalSouth Bancshares' Debt-to-Equity too high?
CoastalSouth Bancshares' current Debt-to-Equity of 0.28 is 17% above median its 10-year median of 0.24. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 1.66. The Banks industry median Debt-to-Equity is 0.58. CoastalSouth Bancshares' value of 0.28 is 51.7% below this industry median. Based on the distribution chart, CoastalSouth Bancshares ranks #413 out of 1414 companies in the Banks industry, which is above the industry midpoint. Overall, CoastalSouth Bancshares has a GF Score™ of 55/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does CoastalSouth Bancshares' Debt-to-Equity compare to CSHX and VLNT?
According to the Banks industry distribution chart, CoastalSouth Bancshares ranks #413 out of 1414 companies for Debt-to-Equity. This puts CoastalSouth Bancshares in the upper half of its industry. The industry median Debt-to-Equity is 0.58. CoastalSouth Bancshares' value of 0.28 is 51.7% below this benchmark. Historically, CoastalSouth Bancshares' own Debt-to-Equity has ranged from 0.01 to 1.66 over the past decade. While the company's 10-year median is 0.24 vs. the industry median of 0.58, CoastalSouth Bancshares has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,414 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CoastalSouth Bancshares's current Debt-to-Equity of 0.28 is 51.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on CoastalSouth Bancshares and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CoastalSouth Bancshares's current Debt-to-Equity is 0.28, which is 17% above median its own 10-year median of 0.24. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CoastalSouth Bancshares stock overvalued right now?
Based on GuruFocus' analysis, CoastalSouth Bancshares (COSO) is currently considered Modestly Overvalued. The stock's GF Value™ is $21.52, compared to a current price of $27.49 — trading 27.7% above its estimated fair value. The current Debt-to-Equity is 0.28, which is 17% above median its 10-year median of 0.24 and 51.7% below the Banks industry median of 0.58. CoastalSouth Bancshares' overall GF Score™ is 55/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For CoastalSouth Bancshares (COSO), the current Debt-to-Equity is 0.28 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is CoastalSouth Bancshares (COSO) Overvalued in 2026?
Based on GuruFocus' analysis, CoastalSouth Bancshares stock appears to be overvalued.
The current stock price of $27.49 is trading 27.7% above its estimated GF Value™ of $21.52.
GuruFocus considers CoastalSouth Bancshares to be Modestly Overvalued.
Key valuation signals for COSO:
Debt-to-Equity: 0.28 (17% above median its 10-year median of 0.24)
GF Value™: $21.52 vs. price of $27.49 (27.7% above fair value)
Industry Position: 51.7% below the Banks median (#413 of 1414)
No single metric tells the full story. See the COSO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CoastalSouth Bancshares Inc is a bank holding company. It offers full-service banking services designed to meet the needs of retail and commercial customers in the markets in which it operates. The services offered include transaction and savings deposit accounts, commercial and consumer lending, mortgage banking, and other activities related to commercial banking. It operates retail banking branches in three retail main retail markets, the Lowcountry of South Carolina, Savannah, Georgia, and metro Atlanta, Georgia.
55GF Score
Get the complete analysis for COSO
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
COSO has been successfully added to your 
