Coastal Carolina Bancshares (CCNB) AI Stock Analysis

• Market Cap: $93.23M
• Dividend Yield: N/A
• Average Volume (3M): 6.33K
• Price to Earnings (P/E): 8.9
• Beta (1Y): -0.05
• Revenue Growth: 17.92%
• EPS Growth: 33.03%
• Country: US
• Employees: 31
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.47
• Shares Outstanding: 6,093,705
• 10 Day Avg. Volume: 1,215
• 30 Day Avg. Volume: 6,328
• PEG Ratio: 1.74
• Price to Book (P/B): 0.90
• Price to Sales (P/S): 1.19
• P/FCF Ratio: -9.59
• Enterprise Value/Market Cap: -0.64
• Enterprise Value/Revenue: -1.29
• Enterprise Value/Gross Profit: -2.13
• Enterprise Value/Ebitda: -6.17
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 66 Neutral
• Price Target: $15.00 ▲(14.94% Upside)
• Action: Reiterated Date: 10/25/25
• Date: Action: Reiterated 10/25/25

Coastal Carolina Bancshares has a strong valuation with a low P/E ratio, indicating potential undervaluation. However, financial performance is mixed with strong revenue growth but pressure on profitability and liquidity concerns. Technical analysis shows a neutral trend, lacking strong momentum. The absence of earnings call and corporate events data limits further insights.

Positive Factors

Revenue Growth

Sustained 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 Leverage

A 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 Margins

Strong 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.

Negative Factors

Negative Free Cash Flow

Negative 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 Pressure

A 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 Ratio

An 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.

Coastal Carolina Bancshares Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

Coastal Carolina Bancshares generates revenue through several key streams characteristic of the banking industry. The primary source of income comes from net interest income, which is the difference between the interest earned on loans and the interest paid on deposits. CCNB offers various loan products, including personal loans, business loans, and mortgages, which contribute significantly to its interest income. Additionally, the bank earns non-interest income from service fees, transaction charges, and wealth management services. Strategic partnerships with local businesses and community organizations enhance its customer base and promote local economic growth, further supporting its revenue generation. Moreover, the bank's commitment to prudent risk management and operational efficiency helps maintain profitability amidst competitive pressures.

Coastal Carolina Bancshares Financial Statement Overview

Summary

Coastal Carolina Bancshares shows strong revenue growth and solid operational efficiency. However, profitability margins are under pressure, and the balance sheet indicates a reliance on debt. Cash flow management is a concern due to negative free cash flow, suggesting potential liquidity challenges.

Income Statement

Coastal Carolina Bancshares has shown strong revenue growth with a 23.42% increase in the latest year, indicating a robust expansion trajectory. The gross profit margin is healthy at 58.29%, though it has decreased from previous years. The net profit margin has decreased to 14.98%, suggesting some pressure on profitability. Despite this, the EBIT and EBITDA margins remain solid at 18.79% and 19.85%, respectively, reflecting efficient operational management.

Balance Sheet

The company's debt-to-equity ratio has improved to 0.29, indicating a more conservative leverage approach compared to previous years. Return on equity is stable at 11.30%, showcasing effective utilization of shareholder funds. The equity ratio stands at 6.91%, which is relatively low, suggesting a higher reliance on debt financing.

Cash Flow

The cash flow statement reveals challenges with free cash flow, which is negative, indicating potential liquidity issues. The operating cash flow to net income ratio is low at 1.06%, suggesting limited cash generation relative to net income. The free cash flow to net income ratio is negative, highlighting the need for improved cash management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	46.05M	56.77M	44.05M	31.74M	28.13M	25.45M
Gross Profit	27.95M	33.09M	29.30M	27.01M	24.65M	19.55M
EBITDA	9.66M	11.27M	10.85M	9.54M	8.55M	5.50M
Net Income	7.56M	8.51M	8.13M	7.21M	6.24M	3.74M
Balance Sheet
Total Assets	1.19B	1.09B	937.07M	824.82M	758.85M	602.38M
Cash, Cash Equivalents and Short-Term Investments	184.97M	137.80M	138.76M	132.67M	260.52M	151.01M
Total Debt	20.00M	21.73M	39.11M	22.63M	12.92M	13.28M
Total Liabilities	1.11B	1.02B	870.94M	767.92M	699.37M	548.52M
Stockholders Equity	80.71M	75.31M	66.13M	56.90M	59.48M	53.86M
Cash Flow
Free Cash Flow	0.00	-7.07M	958.69K	12.70M	10.03M	-3.77M
Operating Cash Flow	0.00	10.49M	1.31M	13.22M	12.18M	-460.80K
Investing Cash Flow	0.00	-67.06M	-110.36M	-215.61M	-77.52M	-99.32M
Financing Cash Flow	0.00	143.52M	102.96M	67.93M	151.31M	149.92M

Coastal Carolina Bancshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 13.05
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CCNB, the sentiment is Positive. The current price of 13.05 is below the 20-day moving average (MA) of 14.52, below the 50-day MA of 13.53, and above the 200-day MA of 12.28, indicating a bullish trend. The MACD of 0.56 indicates Negative momentum. The RSI at 74.75 is Negative, neither overbought nor oversold. The STOCH value of 79.29 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CCNB.

Coastal Carolina Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BOTJ	73 Outperform	$94.37M	10.46	10.86%	2.18%	6.17%	-6.13%
FUSB	72 Outperform	$88.18M	15.29	5.50%	2.08%	1.03%	-35.72%
UBCP	69 Neutral	$83.96M	10.30	10.91%	6.51%	6.31%	-5.00%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CCNB	66 Neutral	$93.23M	8.91	13.20%	―	17.92%	33.03%
FNWB	46 Neutral	$96.23M	-20.80	-4.68%	2.88%	8.02%	21.36%
SSBI	45 Neutral	$90.27M	13.61	-1.41%	―	-0.81%	-129.22%