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.
Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
CoastalSouth Bancshares's 3-Year RORE % for the quarter that ended in Jun. 2026 was 3.01%.
The industry rank for CoastalSouth Bancshares's 3-Year RORE % or its related term are showing as below:
COSO's 3-Year RORE % is ranked worse than 69.94% of 1467
companies
in the Banks industry
Industry Median: 11.51
vs COSO: 3.01
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
CoastalSouth Bancshares 3-Year RORE % Related Terms
CoastalSouth Bancshares 3-Year RORE % 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: 3-Year RORE % Comparison
For the Banks - Regional subindustry, CoastalSouth Bancshares's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, CoastalSouth Bancshares's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where CoastalSouth Bancshares's 3-Year RORE % 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.
In the calculation of 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Jun. 2026 and 3-year before.
CoastalSouth Bancshares (COSO) has a 3-Year RORE % of 3.01 as of Jun. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on CoastalSouth Bancshares and its competitors. According to the industry distribution chart, CoastalSouth Bancshares ranks #1026 out of 1467 companies in the Banks industry, placing it in the top 69.9%.
Is CoastalSouth Bancshares' 3-Year RORE % too high?
CoastalSouth Bancshares' current 3-Year RORE % is 3.01. The Banks industry median 3-Year RORE % is 11.51. CoastalSouth Bancshares' value of 3.01 is 73.8% below this industry median. Based on the distribution chart, CoastalSouth Bancshares ranks #1026 out of 1467 companies in the Banks industry, which is below 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' 3-Year RORE % compare to CSHX and VLNT?
According to the Banks industry distribution chart, CoastalSouth Bancshares ranks #1026 out of 1467 companies for 3-Year RORE %. This places CoastalSouth Bancshares in the lower half of its industry. The industry median 3-Year RORE % is 11.51. CoastalSouth Bancshares' value of 3.01 is 73.8% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 11.51, based on 1,467 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CoastalSouth Bancshares's current 3-Year RORE % of 3.01 is 73.8% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on CoastalSouth Bancshares and its competitors. For the Banks industry, the median 3-Year RORE % is 11.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CoastalSouth Bancshares's current 3-Year RORE % is 3.01. 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 3-Year RORE % is 3.01 and 73.8% below the Banks industry median of 11.51. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For CoastalSouth Bancshares (COSO), the current 3-Year RORE % is 3.01 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:
3-Year RORE %: 3.01
GF Value™: $21.52 vs. price of $27.49 (27.7% above fair value)
Industry Position: 73.8% below the Banks median (#1026 of 1467)
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
3-Year RORE % 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 
