📊 CCNB Key Takeaways
Is Coastal Carolina Bancshares, Inc. (CCNB) a Good Investment?
Coastal Carolina Bancshares demonstrates severely deteriorated financial health with microscopic profitability metrics (0.9% net margin, 0.1% ROE, 0.0% ROA) and minimal net income generation relative to assets. The company's data freshness from March 2013 raises critical concerns about information reliability, and the absence of recent insider activity combined with extremely weak operational performance suggests fundamental business challenges.
Coastal Carolina Bancshares shows positive revenue growth and modest free cash flow generation, but profitability is extremely weak, with net income near breakeven and returns on assets and equity effectively negligible. The balance sheet appears adequately capitalized relative to liabilities, yet the very low earnings power and stale, incomplete data make the growth quality and durability of the business hard to underwrite.
Why Buy Coastal Carolina Bancshares, Inc. Stock? CCNB Key Strengths
- Revenue growth of 21.7% YoY shows top-line expansion momentum
- Positive free cash flow of 125.6K demonstrates some cash generation capability
- No long-term debt provides balance sheet simplicity
- Revenue grew 21.7% year over year, indicating some top-line momentum
- Operating cash flow of $816.40K exceeded net income, suggesting earnings were supported by cash generation
- Equity of $14.37M against $105.05M in assets indicates a tangible capital base
CCNB Stock Risks: Coastal Carolina Bancshares, Inc. Investment Risks
- Profitability metrics are critically weak: 0.9% net margin with 0.1% ROE and 0.0% ROA indicate severe operational inefficiency
- Data freshness from March 2013 is severely outdated, making current assessment reliability highly questionable
- Net income of only 9.2K on 105.1M in assets reflects poor asset utilization and business productivity
- High liability-to-asset ratio (90.7M/105.1M = 86.3%) indicates significant financial leverage and risk
- Zero insider activity in last 90 days suggests management disengagement or lack of confidence
- Net margin of 0.9% leaves little room for credit losses or operating pressure
- ROE of 0.1% and ROA of 0.0% indicate very weak profitability and inefficient asset utilization
- Financial data is stale and incomplete, reducing confidence in the current fundamental picture
Key Metrics to Watch
- Net profit margin trend and absolute net income generation
- Return on Assets (ROA) and Return on Equity (ROE) improvement trajectory
- Asset quality metrics and non-performing loan ratios
- Capital adequacy ratios relative to regulatory minimums
- Net interest margin and net income trend
- Asset quality metrics such as nonperforming loans and charge-offs
Coastal Carolina Bancshares, Inc. (CCNB) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
CCNB Profit Margin, ROE & Profitability Analysis
CCNB vs Finance Sector: How Coastal Carolina Bancshares, Inc. Compares
How Coastal Carolina Bancshares, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Coastal Carolina Bancshares, Inc. Stock Overvalued? CCNB Valuation Analysis 2026
Based on fundamental analysis, Coastal Carolina Bancshares, Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Coastal Carolina Bancshares, Inc. Balance Sheet: CCNB Debt, Cash & Liquidity
CCNB Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Coastal Carolina Bancshares, Inc.'s revenue has remained relatively flat over the 5-year period, with a 0% decline.
CCNB Revenue Growth, EPS Growth & YoY Performance
Coastal Carolina Bancshares, Inc. Dividends, Buybacks & Capital Allocation
CCNB SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Coastal Carolina Bancshares, Inc. (CIK: 0001437213)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CCNB
What is the AI rating for CCNB?
Coastal Carolina Bancshares, Inc. (CCNB) has a Combined AI Rating of SELL from Claude (SELL) and ChatGPT (SELL) with 84% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are CCNB's key strengths?
Claude: Revenue growth of 21.7% YoY shows top-line expansion momentum. Positive free cash flow of 125.6K demonstrates some cash generation capability. ChatGPT: Revenue grew 21.7% year over year, indicating some top-line momentum. Operating cash flow of $816.40K exceeded net income, suggesting earnings were supported by cash generation.
What are the risks of investing in CCNB?
Claude: Profitability metrics are critically weak: 0.9% net margin with 0.1% ROE and 0.0% ROA indicate severe operational inefficiency. Data freshness from March 2013 is severely outdated, making current assessment reliability highly questionable. ChatGPT: Net margin of 0.9% leaves little room for credit losses or operating pressure. ROE of 0.1% and ROA of 0.0% indicate very weak profitability and inefficient asset utilization.
What is CCNB's revenue and growth?
Coastal Carolina Bancshares, Inc. reported revenue of $1.0M.
Does CCNB pay dividends?
Coastal Carolina Bancshares, Inc. does not currently pay dividends.
Where can I find CCNB SEC filings?
Official SEC filings for Coastal Carolina Bancshares, Inc. (CIK: 0001437213) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CCNB's EPS?
Coastal Carolina Bancshares, Inc. has a diluted EPS of $0.00.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is CCNB a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Coastal Carolina Bancshares, Inc. has a SELL rating with 84% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is CCNB stock overvalued or undervalued?
Valuation metrics for CCNB: ROE of 0.1% (sector avg: 12%), net margin of 0.9% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy CCNB stock in 2026?
Our dual AI analysis gives Coastal Carolina Bancshares, Inc. a combined SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is CCNB's free cash flow?
Coastal Carolina Bancshares, Inc.'s operating cash flow is $816.4K, with capital expenditures of $690.8K. FCF margin is 12.2%.
How does CCNB compare to other Finance stocks?
Vs Finance sector averages: Net margin 0.9% (avg: 25%), ROE 0.1% (avg: 12%), current ratio N/A (avg: 1.2).