Revenue GrowthSustained 23% revenue growth signals durable expansion of core banking volumes or fees, strengthening the company's earning base. Over the next 2–6 months this growth supports reinvestment in lending and operations, helps absorb fixed costs, and underpins medium-term earnings resiliency.

Conservative LeverageA debt-to-equity of 0.29 reflects a more conservative leverage profile, lowering solvency and funding risks. This improved capital mix increases flexibility to withstand rate or credit shocks, supports regulatory metrics, and gives room to fund growth without immediate capital raises over several months.

Solid Operating MarginsStrong EBIT/EBITDA margins indicate operational efficiency and pricing power in core activities. These margins create durable earnings capacity, allowing the bank to fund operations and absorb moderate revenue shocks while maintaining profitability and reinvesting in products or controls over the medium term.

Bears Say

Negative Free Cash FlowNegative free cash flow and a low operating cash flow to net income ratio (1.06x) signal limited internal cash generation. Persisting FCF deficits constrain funding for loan growth, capital needs, or buffers, increasing reliance on external financing and raising liquidity risk over the coming months.

Margin PressureA declining net margin reduces retained earnings and weakens the bank's ability to build capital organically. Continued margin compression makes the franchise more sensitive to rising funding costs or higher loan-loss provisioning, eroding long-term profitability and capital accumulation prospects.

Low Equity RatioAn equity ratio under 7% indicates a thin capital base relative to assets, increasing vulnerability to credit losses or regulatory capital pressure. This structural constraint can force precautionary capital raises or limit lending expansion and strategic investments in adverse scenarios over months.

CCNB FAQ

What was Coastal Carolina Bancshares Inc’s price range in the past 12 months?

Coastal Carolina Bancshares Inc lowest stock price was $10.15 and its highest was $15.59 in the past 12 months.

What is Coastal Carolina Bancshares Inc’s market cap?

Coastal Carolina Bancshares Inc’s market cap is $91.34M.

When is Coastal Carolina Bancshares Inc’s upcoming earnings report date?

Coastal Carolina Bancshares Inc’s upcoming earnings report date is Apr 28, 2026 which is in 56 days.

How were Coastal Carolina Bancshares Inc’s earnings last quarter?

Coastal Carolina Bancshares Inc released its earnings results on Jan 28, 2026. The company reported $0.47 earnings per share for the quarter, beating the consensus estimate of N/A by $0.47.

Is Coastal Carolina Bancshares Inc overvalued?

According to Wall Street analysts Coastal Carolina Bancshares Inc’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does Coastal Carolina Bancshares Inc pay dividends?

Coastal Carolina Bancshares Inc does not currently pay dividends.

What is Coastal Carolina Bancshares Inc’s EPS estimate?

Coastal Carolina Bancshares Inc’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does Coastal Carolina Bancshares Inc have?

Coastal Carolina Bancshares Inc has 6,093,705 shares outstanding.

What happened to Coastal Carolina Bancshares Inc’s price movement after its last earnings report?

Coastal Carolina Bancshares Inc reported an EPS of $0.47 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 2.206%.

Which hedge fund is a major shareholder of Coastal Carolina Bancshares Inc?

Currently, no hedge funds are holding shares in CCNB

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Coastal Carolina Bancshares Stock Smart Score

Neutral

Technicals

Fundamentals

Return on Equity

13.20%

Trailing 12-Months

Asset Growth

9.96%

Trailing 12-Months

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Company Description

Coastal Carolina Bancshares Inc

Coastal Carolina Bancshares, Inc. operates as a holding company for Coastal Carolina National Bank, a nationally chartered commercial bank that provides various banking products and services in Horry County, Richland County, Aiken County, and Greenville County, South Carolina. The company's deposit products include checking accounts, savings accounts, money market accounts, and certificates of deposit. It provides personal loans, such as home equity lines of credit, car and truck, boat, as well as personal lines of credit and overdraft protection services; residential real estate, commercial loans, and consumer loans; and construction and land development, real estate mortgage, other real estate, and commercial and industrial loans. In addition, the company offers treasury services for payables and receivables, liquidity management, reconciliation and reporting, and fraud mitigation. It also provides online and mobile banking, telephone banking, mobile deposit, and remote deposit capture, insured cash sweep, wire origination, online ACH origination and payroll direct deposit, as well as debit and credit cards. Coastal Carolina Bancshares, Inc. was incorporated in 2008 and is based in Myrtle Beach, South Carolina.