Coastal Carolina Bancshares Inc (CCNB)
OTHER OTC:CCNB
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Coastal Carolina Bancshares
(OTC:CCNB)
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Rating:69Neutral
Price Target:
$15.50
▲(18.77% Upside)
Action:ReiteratedDate:04/02/26
The score is driven mainly by solid financial performance (strong 2025 growth and rising earnings) tempered by margin compression, cash-flow volatility, and some missing latest-year leverage/return fields. Valuation is supportive due to the low P/E, while technical indicators lean mildly bearish in the near term.
Positive Factors
Revenue & earnings growth
Accelerating revenue and steadily rising net income provide a durable earnings base and indicate expanding core business scale. Sustained top-line growth supports reinvestment, loan origination capacity and long-term profitability potential even if margins fluctuate.
Negative Factors
Margin compression
A notable decline from prior peak margins signals pressure on interest spreads or rising operating costs. Persistent margin compression can erode return on equity and make earnings growth harder to convert into shareholder value despite revenue expansion.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & earnings growth
Accelerating revenue and steadily rising net income provide a durable earnings base and indicate expanding core business scale. Sustained top-line growth supports reinvestment, loan origination capacity and long-term profitability potential even if margins fluctuate.
Read all positive factors
Coastal Carolina Bancshares (CCNB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$85.31M
Dividend YieldN/A
Average Volume (3M)6.33K
Price to Earnings (P/E)7.5
Beta (1Y)>-0.01
Revenue Growth17.92%
EPS Growth33.03%
CountryUS
Employees31
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.47
Shares Outstanding6,093,705
10 Day Avg. Volume1,215
30 Day Avg. Volume6,328
Financial Highlights & Ratios
PEG Ratio0.29
Price to Book (P/B)0.80
Price to Sales (P/S)1.26
P/FCF Ratio7.94
Enterprise Value/Market Cap-1.20
Enterprise Value/Revenue-2.23
Enterprise Value/Gross Profit-3.68
Enterprise Value/Ebitda-10.64
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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 Gree...
How the Company Makes Money
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Coastal Carolina Bancshares Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
72
Positive
Cash Flow
64
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 46.05M | 65.03M | 56.77M | 44.05M | 31.74M | 28.13M |
| Gross Profit | 27.95M | 39.19M | 33.09M | 29.30M | 27.01M | 24.65M |
| EBITDA | 9.66M | 13.88M | 11.27M | 10.85M | 9.54M | 8.55M |
| Net Income | 7.56M | 10.94M | 8.51M | 8.13M | 7.21M | 6.24M |
Balance Sheet | ||||||
| Total Assets | 1.19B | 1.28B | 1.09B | 937.07M | 824.82M | 758.85M |
| Cash, Cash Equivalents and Short-Term Investments | 184.97M | 298.67M | 137.80M | 138.76M | 132.67M | 260.52M |
| Total Debt | 20.00M | 23.20M | 21.73M | 39.11M | 22.63M | 12.92M |
| Total Liabilities | 1.11B | 1.18B | 1.02B | 870.94M | 767.92M | 699.37M |
| Stockholders Equity | 80.71M | 103.03M | 75.31M | 66.13M | 56.90M | 59.48M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 10.33M | -7.07M | 958.69K | 12.70M | 10.03M |
| Operating Cash Flow | 0.00 | 13.70M | 10.49M | 1.31M | 13.22M | 12.18M |
| Investing Cash Flow | 0.00 | -98.54M | -67.06M | -110.36M | -215.61M | -77.52M |
| Financing Cash Flow | 0.00 | 174.35M | 143.52M | 102.96M | 67.93M | 151.31M |
Coastal Carolina Bancshares Technical Analysis
Positive
13.05
Price Trends
14.42
Negative
13.59
Positive
12.83
Positive
Market Momentum
-0.13
Negative
46.30
Neutral
93.33
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 13.05 is below the 20-day moving average (MA) of 13.98, below the 50-day MA of 14.42, and above the 200-day MA of 12.83, indicating a neutral trend. The MACD of -0.13 indicates Negative momentum. The RSI at 46.30 is Neutral, neither overbought nor oversold. The STOCH value of 93.33 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $101.32M | 9.36 | 12.15% | 2.18% | 6.17% | -6.13% | |
69 Neutral | $85.31M | 7.51 | 13.67% | ― | 17.92% | 33.03% | |
68 Neutral | $90.60M | 11.51 | 6.89% | ― | -0.81% | -129.22% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $89.98M | 10.25 | 12.01% | 6.51% | 6.31% | -5.00% | |
65 Neutral | $87.58M | 13.56 | 5.80% | 2.08% | 1.03% | -35.72% | |
46 Neutral | $95.73M | -21.37 | -2.76% | 2.88% | 8.02% | 21.36% |
* Financial Sector Average
CCNB
Coastal Carolina Bancshares
13.99
3.50
33.37%
BOTJ
Bank Of The Jame Financial
22.78
9.01
65.43%
SSBI
Summit State Bank
13.60
5.35
64.85%
UBCP
United Bancorp
15.45
3.50
29.33%
FUSB
First US Bancshares
15.65
3.03
24.02%
FNWB
First Northwest Bancorp
9.91
-0.06
-0.59%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.