Coastal Carolina Bancshares (CCNB) AI Stock Analysis

• Market Cap: $75.99M
• Dividend Yield: N/A
• Average Volume (3M): 3.90K
• Price to Earnings (P/E): 8.0
• Beta (1Y): -0.06
• Revenue Growth: 22.34%
• EPS Growth: 27.23%
• Country: US
• Employees: 31
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.40
• Shares Outstanding: 6,093,705
• 10 Day Avg. Volume: 5,389
• 30 Day Avg. Volume: 3,896
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 1.08
• Enterprise Value/Revenue: 2.94
• Enterprise Value/Gross Profit: 3.76
• Enterprise Value/Ebitda: 14.80
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 75 Outperform
• Price Target: ―

Coastal Carolina Bancshares demonstrates solid financial health and undervaluation, contributing positively to the score. However, liquidity concerns, cash flow volatility, and limited insights from the latest earnings call slightly dampen the overall outlook. The technical indicators suggest neutral momentum, neither significantly aiding nor hindering the stock's prospects.

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 primarily through the interest income earned on loans provided to customers, such as commercial, residential, and consumer loans. Additionally, the bank earns money from fees associated with various banking services, including account maintenance fees, transaction fees, and penalties. Furthermore, CCNB benefits from non-interest income sources like investment services and financial advisory fees. The company also strategically invests in securities, which contribute to its earnings. Partnerships with local businesses and community engagement initiatives enhance its market presence and customer base, facilitating further revenue growth.

Coastal Carolina Bancshares Financial Statement Overview

Summary

Coastal Carolina Bancshares presents a strong financial performance with consistent revenue and profit growth. The balance sheet is stable, maintaining a moderate leverage level. However, some liquidity concerns and cash flow volatility require attention.

Income Statement

Coastal Carolina Bancshares has shown a solid revenue growth trajectory, with Total Revenue increasing consistently over the years. The Gross Profit Margin is excellent as it equals Total Revenue, indicating no cost of goods sold, typical for banking. Net Profit Margin has improved over time, with the latest figure at approximately 27.74%, demonstrating strong profitability. However, EBIT and EBITDA margins are not as informative due to missing data in the latest period.

Balance Sheet

The company's Debt-to-Equity Ratio is moderate at 0.59, indicating a balanced leverage position. The Return on Equity has been strong, reflecting effective use of equity to generate profits. The Equity Ratio is around 7.06%, suggesting a small proportion of assets funded by equity, a typical structure in banking. While stable, the decrease in Cash and Cash Equivalents raises some concern about liquidity.

Cash Flow

The Free Cash Flow Growth Rate is volatile over the years, with recent declines. The Operating Cash Flow to Net Income Ratio is low, indicating potential issues in turning profits into cash. However, the Financing Cash Flow is robust, reflecting active financial management. Cash flow from operations has been inconsistent, which could point to underlying operational challenges.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	56.77M	29.30M	28.59M	25.38M	21.24M
Gross Profit	33.09M	29.30M	28.59M	25.38M	21.24M
EBITDA	10.67M	―	9.54M	8.55M	5.92M
Net Income	8.51M	8.13M	7.21M	6.24M	3.74M
Balance Sheet
Total Assets	1.09B	937.29M	824.82M	758.85M	602.38M
Cash, Cash Equivalents and Short-Term Investments	137.80M	-7.14M	132.67M	260.52M	151.01M
Total Debt	21.73M	39.11M	22.63M	12.92M	13.28M
Total Liabilities	1.02B	871.16M	22.63M	12.92M	13.28M
Stockholders Equity	75.31M	66.13M	56.90M	59.48M	53.86M
Cash Flow
Free Cash Flow	-7.07M	958.69K	12.70M	10.03M	-3.77M
Operating Cash Flow	-6.23M	1.31M	13.22M	12.18M	-460.80K
Investing Cash Flow	-67.06M	-102.46M	-215.61M	-77.52M	-99.32M
Financing Cash Flow	143.52M	102.96M	67.93M	151.31M	149.92M

Coastal Carolina Bancshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 12.46
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

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 12.46 is above the 20-day moving average (MA) of 12.07, above the 50-day MA of 11.69, and above the 200-day MA of 11.23, indicating a bullish trend. The MACD of 0.23 indicates Negative momentum. The RSI at 78.46 is Negative, neither overbought nor oversold. The STOCH value of 94.36 is Negative, 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	80 Outperform	$70.36M	9.84	10.73%	2.58%	9.06%	-16.04%
CCNB	75 Outperform	$75.99M	8.02	12.62%	―	22.34%	27.23%
AUBN	70 Neutral	$96.95M	14.57	8.25%	4.06%	27.65%	996.66%
Sector *	68 Neutral	$17.81B	11.59	9.88%	3.74%	9.69%	1.11%
SSBI	58 Neutral	$78.82M	10.38	-1.64%	3.39%	-0.03%	-126.57%
BYFC	48 Neutral	$71.27M	158.72	0.22%	―	2.54%	-174.74%
NSTS	―	$62.72M	―	-1.04%	―	―	―