US Equity · NYSE · Earnings Dossier

COSO earnings intelligence

CoastalSouth Bancshares, Inc.

Financial Services · Banks - Regional · USD reporting basis

Current earnings profile Mixed earnings transmission

Delivery and market response do not currently form a persistent directional pattern.

Evidence88/100 · Deep

Next scheduled catalyst

Monday 19 October 2026

Time unconfirmed · Fiscal period ending 30 Sep 2026

20event risk

Contained

Countdown67 dayscalendar proximity
EPS estimate0.56 USDprovider consensus
Estimate growth+3.7%versus comparable year-ago actual
Historical movement2.6%average absolute next weekly close

Three-year earnings transmission

Delivered earnings power versus market price

Fundamental fracture

Market price is leading earnings power; the spread is widening and has persisted through 11 updates. Both series begin at 100, so the gap isolates the relative change in price and trailing earnings power.

Market move92.8%2023-08-18 to 2026-08-07
Earnings move-12.8%trailing diluted EPS
Unresolved spread-105.6 ptsWidening
Current multiple12.6xprice divided by TTM EPS
Relationship pressure81/100High
Model confidence96/100High

Move decomposition

Earnings contribution and valuation offset

The market move is separated into the change in trailing earnings power and the offset from relative valuation.

Relationship controls

What qualifies the headline spread

Fundamental fracture

Earnings have weakened while price has not adjusted to the same degree.

Beat rate20.0%1 beats in 5 measured quarters
Average surprise-2.7%median -3.3%
Delivery streak44 consecutive misses
Average response+0.4%12 measured reactions
Result-price confirmation50%same directional sign
Surprise variability4.4 ptspopulation dispersion

Estimate delivery

Actual EPS versus consensus

Actual and estimated EPS are displayed in reported currency on the same quarterly basis.

Price acceptance

Surprise and next weekly close

The response uses the first completed weekly close after the public report against the prior completed weekly close.

Fundamental delivery

Quarterly revenue and net income

Reported financial statements provide scale and earnings quality context around the headline EPS result.

Transmission matrix

Does price confirm delivery?

Upper right and lower left observations confirm the sign of delivery. The other quadrants expose expectation or resilience effects.

Current business context

Growth, quality and valuation

As of 9 Aug 2026
EPS growth11.9%year on year
Revenue growth5.5%year on year
Average surprise-4.8%latest four quarters
SUE-0.55standardised surprise
Net margin19.6%trailing basis
Cash conversion2.58xcash flow / net income
P/E12.2xcurrent snapshot
Data completeness100%alphavantage

Market context

Positioning into the event

Week ending 7 Aug 2026
Weekly close28.04 USDcompleted week
13-week return8.7%price momentum
Fair-value gap38.6%price versus current fair value
Relative strength3.7exchange benchmark
Trend signalActiveweekly architecture
Next-week stateUndecided49.3%

Market context describes the setup surrounding the report. It does not convert the earnings event into a directional forecast.

Reported evidence ledger

Quarter-by-quarter delivery and acceptance

Each row preserves the reported estimate, public date, statement context and conservative weekly reaction measurement.

12 quarters
Reported / periodEPS actual / estimateSurpriseEPS growthRevenue / growthNext close / four weeksRead
Reported / period20 Jul 202630 Jun 2026 · exact
EPS actual / estimate0.59 / 0.61USD
Surprise-3.3%Miss
EPS growth+3.5%year on year
Revenue / growth35760000+6.5% · USD
Next close / four weeks+0.1% / -completed weekly closes
ReadContainedresult versus price sign
Reported / period20 Apr 202631 Mar 2026 · exact
EPS actual / estimate0.51 / 0.55USD
Surprise-7.3%Miss
EPS growth+8.5%year on year
Revenue / growth34535000+8.9% · USD
Next close / four weeks-2.2% / -2.8%completed weekly closes
ReadConfirmedresult versus price sign
Reported / period20 Jan 202631 Dec 2025 · exact
EPS actual / estimate0.58 / 0.60USD
Surprise-3.3%Miss
EPS growth+7.9%year on year
Revenue / growth35301000+8.6% · USD
Next close / four weeks-0.3% / +4.9%completed weekly closes
ReadContainedresult versus price sign
Reported / period20 Oct 202530 Sep 2025 · exact
EPS actual / estimate0.54 / 0.57USD
Surprise-5.3%Miss
EPS growth-27.8%year on year
Revenue / growth34990000-1.5% · USD
Next close / four weeks+0.0% / -0.0%completed weekly closes
ReadContainedresult versus price sign
Reported / period28 Jul 202530 Jun 2025 · exact
EPS actual / estimate0.57 / 0.54USD
Surprise+5.6%Beat
EPS growth+1.1%year on year
Revenue / growth33588000+2.5% · USD
Next close / four weeks-3.8% / +4.5%completed weekly closes
ReadDivergedresult versus price sign
Reported / period13 May 202531 Mar 2025 · exact
EPS actual / estimate0.47 / 0.00USD
Surprise-Unavailable
EPS growth+97.8%year on year
Revenue / growth31704000+16.5% · USD
Next close / four weeks-4.1% / +0.5%completed weekly closes
ReadUnavailableresult versus price sign
Reported / period6 Mar 202531 Dec 2024 · exact
EPS actual / estimate0.54 / -USD
Surprise-Unavailable
EPS growth-27.6%year on year
Revenue / growth32495000-1.2% · USD
Next close / four weeks-2.3% / -2.3%completed weekly closes
ReadUnavailableresult versus price sign
Reported / period8 Nov 202430 Sep 2024 · exact
EPS actual / estimate0.75 / -USD
Surprise-Unavailable
EPS growth+50.5%year on year
Revenue / growth35515000+23.6% · USD
Next close / four weeks-0.5% / +5.7%completed weekly closes
ReadUnavailableresult versus price sign
Reported / period14 Aug 202430 Jun 2024 · exact
EPS actual / estimate0.56 / -USD
Surprise-Unavailable
EPS growth-year on year
Revenue / growth32759000- · USD
Next close / four weeks+10.1% / +9.2%completed weekly closes
ReadUnavailableresult versus price sign
Reported / period13 May 202431 Mar 2024 · exact
EPS actual / estimate0.24 / -USD
Surprise-Unavailable
EPS growth-year on year
Revenue / growth27204000- · USD
Next close / four weeks+0.2% / +6.4%completed weekly closes
ReadUnavailableresult versus price sign
Reported / period9 Mar 202431 Dec 2023 · exact
EPS actual / estimate0.74 / -USD
Surprise-Unavailable
EPS growth-year on year
Revenue / growth32899000- · USD
Next close / four weeks+3.7% / +2.1%completed weekly closes
ReadUnavailableresult versus price sign
Reported / period8 Nov 202330 Sep 2023 · exact
EPS actual / estimate0.50 / -USD
Surprise-Unavailable
EPS growth-year on year
Revenue / growth28742000- · USD
Next close / four weeks+3.4% / +6.2%completed weekly closes
ReadUnavailableresult versus price sign

Reproducible method

How the earnings dossier is measured

Descriptive, not predictive
Estimate delivery

Reported diluted EPS is compared with the stored estimate for the same fiscal period. Moves within ±0.5% are classified as in-line.

Price response

The first completed weekly close after the public date is compared with the prior completed weekly close. Four-week response uses the first close at least 21 days later.

Event risk

Risk combines proximity, average absolute price movement, surprise variability, estimate availability and timing certainty. It does not score direction.

Data discipline

Exact public dates are used when stored. Missing estimates, timing and statement fields remain missing. No result or reaction is filled from a future observation.

Independent market research for education. Not investment advice, a recommendation, forecast, target or execution instruction.

Evidence context