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Coastal Carolina Bancshares (CCNB) Stock Price & Analysis
CCNB Stock Chart & Stats
- Day’s Range
- $18.01 - $18.23
- 52-Week Range
- $12.25 - $18.59
- Previous Close
- $18.24
- Volume
- 4,500
- Average Volume (3M)
- 3,723
- Market Cap
- $137.42M
- Enterprise Value
- $131.82M
- Total Cash (Recent Filing)
- $253.44M
- Total Debt (Recent Filing)
- $22.00M
- Price to Earnings (P/E)
- 10.2
- Beta
- 0.11
- Next Earnings
- Jan 27, 2027 (Est.)
- EPS Estimate
- N/A
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- N/A
Bulls Say, Bears Say
Bulls Say
Revenue Growth Acceleration
Strong, accelerating revenue growth (41.2% in 2025) indicates expanding lending or deposit franchise and higher product adoption. Durable top-line expansion supports scale economies, funds strategic investment, and underpins longer-term earnings power even if margins fluctuate.
Steady Net Income Expansion
Net income’s multi-year rise to $10.9M shows consistent profitability gains and improved internal capital generation. Persistent earnings growth enhances the bank’s ability to self-fund expansion, build reserves, and sustain operations through industry cycles over the medium term.
Strengthening Balance Sheet
Material asset and equity growth signals capital accumulation and scale. A larger equity base improves regulatory buffers and lending capacity, increases resilience to credit shocks, and provides structural flexibility for strategic initiatives over the coming quarters.
Bears Say
Margin Compression
Sustained decline in net margins from ~22.7% to ~16.8% suggests structural profit pressure, potentially from higher funding costs or rising operating expenses. Margin erosion reduces the incremental benefit of revenue growth and can constrain return-on-equity and reinvestment capacity.
Volatile Free Cash Flow
Sharp swings in free cash flow, including a large negative year, indicate uneven cash conversion and sensitivity to timing or one-offs. This variability undermines predictability for dividends, loan growth funding, and capital deployment decisions over the medium term.
Missing Latest-year Leverage/ROE Fields
Key 2025 leverage and ROE metrics are shown as 0.0, limiting visibility into current capital structure and shareholder returns. Absent or invalid latest-year data impedes reliable assessment of financial flexibility and risk, complicating medium-term fundamental analysis.
CCNB FAQ
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Coastal Carolina Bancshares Stock Smart Score
Company Description
Coastal Carolina Bancshares
Coastal Carolina Bancshares, Inc. serves as the parent company for Coastal Carolina National Bank, a commercial bank operating under a national charter. This financial institution offers a comprehensive range of banking solutions and services across Horry, Richland, Aiken, and Greenville Counties in South Carolina. Its deposit offerings encompass various options, including traditional checking and savings accounts, money market accounts, and certificates of deposit. For borrowing needs, the bank provides diverse lending products: personal loans like home equity lines of credit, financing for vehicles (cars, trucks, and boats), general personal lines of credit, and overdraft protection. Additionally, it extends credit for residential real estate, commercial ventures, and general consumer purposes. Specialized loan categories include construction and land development, real estate mortgages, other property-related financing, and commercial and industrial loans. Beyond core banking, the company furnishes treasury management services to businesses, helping them streamline payables and receivables, optimize liquidity, facilitate reconciliation and reporting, and enhance fraud prevention. Customers can also access modern conveniences such as online and mobile banking platforms, telephone banking, mobile and remote deposit capture, insured cash sweep services, wire transfer origination, online ACH capabilities for direct payroll deposits, and both debit and credit card provisions. Coastal Carolina Bancshares, Inc. was founded in 2008 and has its headquarters situated in Myrtle Beach, South Carolina.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Laurence S. Bolchoz Jr.
- Employees
- 31
- Website
- www.myccnb.com
- Address
- 1012 38th Avenue North, Myrtle Beach, SC, 29577, US
Coastal Carolina Bancshares (CCNB) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 14 | 6 | 2 |
| Technical Analysis | 2 | 6 | 2 |
| Moving Averages | 12 | 0 | 0 |