Provides retail banking services to individuals and families. Offers commercial banking solutions to small and medium-sized businesses. Now — the numbers.
Revenue is spread across several business lines; no single line carries the company.
This is an established company with proven profits.
Average growth of 24% a year over the last 4 years. Every year shown ended in profit.
The market pays 13.3× for every dollar of annual profit — cheap, which is either an opportunity or a warning.
Against companies in its own sector, it looks cheaper than 73% of them.
Analysts' average target sits 9% above today's price.
Executive selling isn’t always bad news; people sell for personal reasons too. Still, the thin buying side is worth noting.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
The net profit margin is 18% — still a thick cushion, though costs have been eating into it lately.
Over the last 4 years, sales grew about 24% a year on average.
It pays out $0.15 per share each year — regular cash for whoever holds the stock.
Over the last 12 months, executives reported 14 sells against just 4 buys. Not an alarm bell by itself, but a number worth watching.
On our five-subject report card, COSO sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: COSO is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.