COSO Stock Analysis: Buy, Sell, or Hold?
COSO - CoastalSouth Bancshares, Inc.
$23.97
0.19 (0.80%)
▲
5d:
+0.59%
30d:
+3.59%
90d:
+12.17%
BUY
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Apr 21, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: COSO shows positive signals but monitor for confirmation. Market pricing in 3.0% decline. Moderate conviction.
💡 BUY OPPORTUNITY: COSO shows positive signals but monitor for confirmation. Market pricing in 3.0% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$44.97
Based on 11.6% avg growth
INTRINSIC VALUE TODAY
$27.92
14.2% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 9.9x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: COSO is currently trading at $23.97, which is considered slightly high relative to its 30-day fair value range of $23.16 to $23.98. The stock's valuation (Forward PE: 9.1) is in line with its historical norms (9.9). Remarkably, the market is currently pricing in an annual earnings decline of 3.0% over the next few years. This pessimistic expectation contrasts with the company's recent 7.5% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, COSO is in a uptrend. The price is currently testing key support at $23.41. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $27.50 (+14.7%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, COSO is in a uptrend. The price is currently testing key support at $23.41. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $27.50 (+14.7%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Fair Price Range
$23.16 -
$23.98
Company Quality Score
61/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
62.9%
All Signals
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($27.50)
Fair Price Analysis
30-Day Fair Range
$23.16 -
$23.98
Current vs Fair Value
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$23.42
Resistance Level
$24.64
Current Trend
Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
9.06
Wall Street Target
$27.50
(+14.7%)
Revenue Growth (YoY)
23.6%
Earnings Growth (YoY)
7.5%
Profit Margin
31.6%
Valuation Discount vs History
-3.0% cheaper
PE vs Historical
9.1 vs 9.9
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-3.0%
(market-implied from PE analysis)
1-Year Target
$23.25
(-3%)
2-Year Target
$22.55
(-6%)
3-Year Target
$21.88
(-9%)
3-Yr Target (if PE normalizes)
(PE: 9→10)
$23.90
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 19.1%)
$99.76
(+316%)
Base:
(SPY PE: 9.1, Growth: 19.1%)
$40.54
(+69%)
Bear:
(PE: 7.7, Growth: 19.1%)
$34.46
(+44%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (11x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 11.36 | Current EPS (TTM): $2.08
Bull Case
$33.04
(+38%)
Analyst growth 27.2%, PE expands to 12.5
Base Case
$30.04
(+25%)
Market implied 27.2%, PE stable at 11.4
Bear Case
$16.06
(-33%)
Severe decline -20.0%, PE contracts to 9.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 9.1 to 9.9
Stabilization Target:
$26.19
(+9.2%)
PE Expansion Potential:
+9.2%
Last updated: February 02, 2026 4:29 AM ET
Data refreshes hourly during market hours. Next update: 5:29 AM
Data refreshes hourly during market hours. Next update: 5:29 AM
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Technical Signals Check
Is COSO showing a specific setup today?
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