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Coastal Carolina Bancshares
(OTC:CCNB)
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Rating:75Outperform
Price Target:
$19.00
▲(14.18% Upside)
Action:Upgraded
Date:08/06/26
The score is driven primarily by solid financial performance with strong recent revenue growth and rising net income, moderated by margin compression, cash-flow volatility, and missing latest-year leverage/return fields. Technicals add support with a clear uptrend above major moving averages, and valuation is favorable with a sub-10 P/E, though dividend yield data is unavailable.
Positive Factors
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.
Negative Factors
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.
Read all positive and negative factors
Positive Factors
Negative Factors
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.
Read all positive factors
Coastal Carolina Bancshares (CCNB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$127.07M
Dividend YieldN/A
Average Volume (3M)6.33K
Price to Earnings (P/E)9.6
Beta (1Y)0.08
Revenue Growth14.35%
EPS Growth13.20%
CountryUS
Employees31
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.78
Shares Outstanding7,554,803
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<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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. 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 acro...
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 | 69.93M | 65.03M | 56.77M | 44.05M | 31.74M | 28.13M |
| Gross Profit | 42.61M | 39.19M | 33.09M | 29.30M | 27.01M | 24.65M |
| EBITDA | 15.82M | 14.43M | 11.27M | 10.85M | 9.54M | 8.55M |
| Net Income | 12.25M | 10.94M | 8.51M | 8.13M | 7.21M | 6.24M |
Balance Sheet | ||||||
| Total Assets | 1.35B | 1.28B | 1.09B | 937.07M | 824.82M | 758.85M |
| Cash, Cash Equivalents and Short-Term Investments | 253.44M | 298.67M | 137.80M | 138.76M | 132.67M | 260.52M |
| Total Debt | 22.00M | 23.20M | 21.73M | 39.11M | 22.63M | 12.92M |
| Total Liabilities | 1.24B | 1.18B | 1.02B | 870.94M | 767.92M | 699.37M |
| Stockholders Equity | 109.28M | 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 Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $125.99M | 10.96 | 14.30% | 1.49% | 6.20% | 60.60% | |
75 Outperform | $127.07M | 9.58 | 13.67% | ― | 14.35% | 13.20% | |
68 Neutral | $90.77M | 12.21 | 7.41% | 1.70% | 3.83% | 33.60% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $87.64M | 10.76 | 11.53% | 5.92% | 6.21% | 8.32% | |
53 Neutral | $87.49M | 38.00 | 2.22% | ― | -6.91% | ― | |
46 Neutral | $108.43M | 71.38 | 0.96% | 0.59% | -6.12% | ― |
* Financial Sector Average
CCNB
Coastal Carolina Bancshares
16.82
4.83
40.28%
BOTJ
Bank Of The Jame Financial
27.51
13.56
97.25%
SSBI
Summit State Bank
12.92
1.12
9.49%
UBCP
United Bancorp
15.30
1.91
14.24%
FUSB
First US Bancshares
16.72
5.90
54.54%
FNWB
First Northwest Bancorp
11.40
3.25
39.88%
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.