Coastal Carolina Bancshares (CCNB) AI Stock Analysis

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Coastal Carolina Bancshares

(Other OTC:CCNB)

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Rating:75Outperform

Price Target:$19.00▲(4.45% 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 accelerationStrong, 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 compressionSustained 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.

Coastal Carolina Bancshares (CCNB) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $137.11M
Dividend Yield: ―
Average Volume (3M): 5,425
Price to Earnings (P/E): 10.2
Beta (1Y): 0.11
Revenue Growth: 14.35%
EPS Growth: 13.20%
Country: US
Employees: 31
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

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 across...

How the Company Makes Money

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Coastal Carolina Bancshares Financial Statement Overview

Summary

Strong top-line acceleration in the latest year and a steady multi-year rise in net income support a solid fundamental profile. Offsetting this are margin compression versus earlier peaks and volatile free cash flow (including a sharp negative year in 2024), plus missing/invalid 2025 leverage/ROE fields that reduce confidence in the latest-period read-through.

Income Statement

78Positive

Balance Sheet

72Positive

Cash Flow

64Positive

Financial statement breakdown
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	10.33M	-7.07M	958.69K	12.70M	10.03M
Operating Cash Flow	0	13.70M	10.49M	1.31M	13.22M	12.18M
Investing Cash Flow	0	-98.54M	-67.06M	-110.36M	-215.61M	-77.52M
Financing Cash Flow	0	174.35M	143.52M	102.96M	67.93M	151.31M

Coastal Carolina Bancshares Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

CCNB against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CCNB	75Outperform	$137.42M	10.22	12.14%	―	14.35%	13.20%
FUSB	73Outperform	$90.83M	11.96	7.58%	1.70%	3.80%	43.33%
BOTJ	69Neutral	$107.95M	8.97	14.94%	1.68%	7.06%	52.33%
UBCP	69Neutral	$81.21M	9.97	11.53%	6.71%	6.21%	8.32%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SSBI	53Neutral	$77.40M	190.50	0.33%	―	-7.24%	―
FNWB	44Neutral	$97.30M	-1100.00	-0.03%	―	-6.23%	99.73%

* Financial Sector Average

Performance Comparison

CCNB and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
CCNB	Coastal Carolina Bancshares	18.19	5.64	44.94%
BOTJ	Bank Of The James Financial Group, Inc.	23.76	7.07	42.39%
SSBI	Summit State Bank	11.43	0.59	5.44%
UBCP	United Bancorp	14.16	1.86	15.09%
FUSB	First Us Bancshares	16.50	3.49	26.82%
FNWB	First Northwest Bancorp	10.23	1.23	13.67%

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.

Date of analysis: Aug 06, 2026

Coastal Carolina Bancshares AI Stock Analysis

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