COSO vs OPRT

Comparison between CoastalSouth Bancshares Inc (COSO, Company) and Oportun Financial Corp (OPRT, Company).

Both COSO and OPRT are from the Financial Services sector.

5-Year PerformanceCOSO has outperformed OPRT, delivering a return of +10.8% compared to -20.9%

COSO vs OPRT - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	COSO(COMPANY)	OPRT(COMPANY)
Market Cap	$345M	$346M
Max Drawdown	43.38%	92.32%
Sharpe Ratio	1.55	0.63
5Y Beta	0.17	1.53
Industry	Banks - Regional	Credit Services
P/E Ratio	12.57	17.42
Forward P/E	N/A	6.84
Dividend Yield	0.36%	N/A
5Y EPS CAGR	N/A	-1.04%
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	19.42%	N/A

Market Cap

COSO

$345M

Winner

OPRT

$346M

Max Drawdown

Winner

COSO

43.38%

OPRT

92.32%

Sharpe Ratio

Winner

COSO

1.55

OPRT

0.63

5Y Beta

Winner

COSO

0.17

OPRT

1.53

Industry

COSO

Banks - Regional

OPRT

Credit Services

P/E Ratio

Winner

COSO

12.57

OPRT

17.42

Forward P/E

COSO

N/A

OPRT

6.84

Dividend Yield

COSO

0.36%

OPRT

N/A

5Y EPS CAGR

COSO

N/A

OPRT

-1.04%

Debt to Equity

COSO

0.00%

OPRT

0.00%

Free Cash Flow Yield

COSO

19.42%

OPRT

N/A

COSO vs OPRT - Historical Returns

Returns include dividend reinvestment.

Period	COSO	OPRT
1 month	+5.37%	+33.80%
3 months	+11.00%	+44.15%
6 months	+12.33%	+54.03%
1 year	+40.37%	+22.24%
5 years(CAGR)	+10.81%	-20.86%
10 years(CAGR)	+34.47%	N/A
Max(CAGR)	+34.47%	-10.32%

COSO

+5.37%

Winner

OPRT

+33.80%

COSO

+11.00%

Winner

OPRT

+44.15%

COSO

+12.33%

Winner

OPRT

+54.03%

Winner

COSO

+40.37%

OPRT

+22.24%

5Y(CAGR)

Winner

COSO

+10.81%

OPRT

-20.86%

10Y(CAGR)

COSO

+34.47%

OPRT

N/A

Max(CAGR)

Winner

COSO

+34.47%

OPRT

-10.32%

COSO vs OPRT - Annual Returns (2017 - 2026)

Returns include dividend reinvestment.

Year	COSO	OPRT
2026	+21.59%	+50.99%
2025	+5.97%	+35.99%
2024	+43.88%	+0.52%
2023	-16.67%	-30.67%
2022	+4.29%	-73.30%
2021	+42.64%	+8.99%
2020	-3.59%	-18.03%
2019	+0.40%	+47.19%
2018	-8.09%	N/A
2017	-7.50%	N/A

COSO vs OPRT Drawdown Comparison

The maximum drawdown for COSO was -43.38%, occurring on Sep 29, 2022. Recovery took 953 trading sessions.

The maximum drawdown for OPRT was -92.32%, occurring on Apr 17, 2024. This drawdown has not yet recovered.

The current OPRT drawdown is -72.46%.

Rank	COSO	OPRT
#1	-43.38% Feb 25, 2022 - Dec 16, 2025	-92.32% Nov 12, 2021 - Apr 17, 2024
#2	-35.57% Apr 23, 2019 - Apr 1, 2021	-78.67% Dec 26, 2019 - Aug 6, 2021
#3	-23.33% Oct 25, 2018 - Feb 7, 2019	-14.22% Oct 7, 2021 - Nov 8, 2021
#4	-12.65% May 10, 2021 - Feb 25, 2022	-11.32% Sep 27, 2019 - Oct 24, 2019
#5	-8.26% Dec 16, 2025 - Feb 4, 2026	-10.00% Nov 19, 2019 - Nov 29, 2019
#6	-7.75% Feb 6, 2026 - Apr 8, 2026	-9.16% Sep 3, 2021 - Oct 7, 2021
#7	-7.50% Sep 7, 2017 - Oct 19, 2018	-8.26% Nov 29, 2019 - Dec 18, 2019
#8	-5.15% Jul 1, 2026 - Jul 28, 2026	-7.12% Aug 11, 2021 - Aug 27, 2021
#9	-3.89% Apr 20, 2026 - Jun 5, 2026	-5.12% Oct 25, 2019 - Nov 7, 2019
#10	-2.17% Jul 28, 2026 - Aug 7, 2026	-4.20% Dec 19, 2019 - Dec 23, 2019
#11	-1.97% Apr 9, 2026 - Apr 20, 2026	-3.13% Nov 13, 2019 - Nov 19, 2019
#12	-1.89% Jun 12, 2026 - Jun 23, 2026	-2.45% Aug 6, 2021 - Aug 11, 2021
#13	-1.29% Jun 24, 2026 - Jul 1, 2026	-2.13% Aug 27, 2021 - Sep 1, 2021
#14	-1.18% Aug 7, 2026 - Aug 13, 2026	-0.48% Nov 10, 2021 - Nov 12, 2021
#15	-0.28% Feb 4, 2026 - Feb 6, 2026	-0.37% Nov 8, 2021 - Nov 10, 2021

Correlation

Correlation between COSO and OPRT is -0.39 which considered as a weak negative correlation - the stocks show a slight tendency to move in opposite directions.

-0.39

-101