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Coastal Carolina Bancshares Inc (CCNB) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Coastal Carolina Bancshares Inc stock $10.60, price $18.10, that is 41.4% below the price, quality 47 out of 100. Rating: strongly overvalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

CC Coastal Carolina Bancshares Inc logo Some data Nov 8, 2026

Coastal Carolina Bancshares Inc

CCNB · US
Very expensive, weak quality

Our calculation puts a fair price 41% below what the stock costs today.

Highly profitable · 28.7% net margin (TTM)
Revenue last quarter +20% vs. a year ago.
Quality 47/100
Mixed Growth (revenue 5y +14.0 %/yr in USD)
Mixed vs. peers (5/12)
Moderate moat 63/100
Some data
Fair value $10.60 · Strongly overvalued
⚠ Dilution
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$18.45 $8.59 Fair Value $10.60 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range $8.59 – $18.45 · fair‑value band $9.69 – $12.61 · the $18.10 price screens above the $10.60 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.

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Company profile

Coastal Carolina Bancshares, Inc. provides banking services to domestic markets, principally in Horry County, Richland County, Aiken County, Greenville County, Spartanburg County, and Orangeburg County, South Carolina.

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The company's deposit products include checking accounts, savings accounts, money market accounts, and certificates of deposit.

It provides mortgage, personal loans, such as home equity lines of credit, car and truck, and boat, personal loans and overdraft protection services; residential real estate, non-residential real estate, and consumer loans; and construction and land development, real estate mortgage, other real estate, and commercial and industrial loans.

In addition, the company offers cash management and treasury services for payables and receivables, liquidity management, reconciliation and reporting, and fraud mitigation.

It also provides online and mobile banking, telephone banking, mobile deposit, remote deposit capture, lockbox, insured cash sweep, wire origination, online ACH origination, and payroll direct deposit services, as well as offers debit and credit cards.

The company was incorporated in 2008 and is based in Myrtle Beach, South Carolina.

Stock analysis

Coastal Carolina Bancshares Inc (CCNB) currently trades at $18.10, while our model-based Fair Value estimate is $10.60, 41% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $15.96 per share, and 1 of the 4 models we run sit above the $18.10 price.

Bear case: the Asset-Based group reads lowest at $8.88, and 3 of the 4 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $9.69 (bear) to $12.61 (bull), the price of $18.10 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 47/100 (below-average quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Coastal Carolina Bancshares Inc reported revenue of $40.9M in FY2025 versus $25.4M in FY2021, a compound +12.7%/yr. Reported net income was $10.9M in FY2025, compounding +15.1%/yr from FY2021.

Key figures

Market cap $137M Micro · P/E ratio 10.3 · P/S ratio 3.22 · EPS (TTM) $1.76 · Net margin 28.7% · Return on equity 13.0% · Return on assets (EBIT) −2.0% (4-year average) · Operating margin 33.6%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 63 out of 100 (medium confidence).

What moves the price

The share trades about 2% below its 52-week high and 48% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −41%, CCNB screens richer than that median.

Fair Value models

Bear $9.69 Fair Value $10.60 Bull $12.61
Price $18.10 · Downside -41.4%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($1.51 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $11.40 $12.47 $14.84 76
P/E Multiple $14.15 $18.86 $23.58 63
P/B Multiple $9.79 $13.05 $16.32 55
All 4 models by family
Multiples
P/E Multiple $14.15 $18.86 $23.58 63
P/B Multiple $9.79 $13.05 $16.32 55
Asset-Based
NCAV (Graham) $6.63 $8.88 $13.26 54
Economic Profit
Residual Income $11.40 $12.47 $14.84 76

The fair value above starts from this blend and is adjusted for dilution from new shares.

Open the full fair value analysis →

Quality Score breakdown

Overall quality 47/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 34
How much profit the company makes from its sales and capital
Quality Growth 67
Are margins and returns getting better?
Cashflow 79
Do the profits arrive as real cash?
Financial strength 56
Debt, balance sheet and risk of trouble
Investment 29
Does it invest with discipline instead of growing at any price?
Low Volatility 99
How calm the share price moves, does not count
Price momentum 69
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 87
Distance to the 52-week high, does not count
New shares 7
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 92/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+21.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+14.0%
Start year 2020 (pandemic)
Revenue growth 16 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+47.7%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+18.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+18.9%
Dividend (yield on the price)0.0%

CCNB screens overvalued: fair value 41% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 5/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 47 · Bottom 25%
Fair Value upside −41.4% · Bottom 25%
Profitability
Return on equity (12 months) 13.0% · Above median
Return on assets 0.9% · Below median
Net margin (12 months) 28.7% · Below median
Operating margin (12 months) 33.6% · Below median
Growth and dividend
Revenue growth (quarter YoY) 19.5% · Top 25%
Balance sheet
Debt / equity 0.21× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 10.3× · Cheaper than median
P/B 1.33× · Pricier than median
P/S (12 months) 3.22× · Cheaper than median
Price / free cash flow (fiscal year) 13.3× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)98 · sector 47
PAST (return on equity)52 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 53

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs CCNB
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs CCNB
BNP Paribas SA BNP €91.93 €106.01 +15% vs CCNB
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs CCNB
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs CCNB
UniCredit S.p.A UCG €76.80 €50.44 −34% vs CCNB
Mizuho Financial Group MFG $9.40 $5.89 −37% vs CCNB
DBS Group D05 69.72 SGD 40.39 SGD −42% vs CCNB
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs CCNB
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs CCNB

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Coastal Carolina Bancshares Inc: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Coastal Carolina Bancshares Inc Fair Value". https://www.fairvalue-calculator.com/stock/CCNB

Frequently asked questions

Is Coastal Carolina Bancshares Inc (CCNB) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $10.60 versus a price of $18.10, about 41% lower (overvalued).
What is the fair value of CCNB?
Our model-based fair value for Coastal Carolina Bancshares Inc is $10.60 (as of Nov 8, 2026), built from audited fundamentals. The current price: $18.10.
What is the quality score of CCNB?
Coastal Carolina Bancshares Inc has a Quality Score of 47/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Coastal Carolina Bancshares Inc (CCNB)?
Our model-based price target is the fair value of $10.60 (as of Nov 8, 2026) from 4 valuation models. Cautious scenario $9.69, optimistic scenario $12.61. It is a calculation from audited fundamentals, not an analyst target.
What is the Coastal Carolina Bancshares Inc stock forecast for 2026?
Our models put fair value at $10.60, about 41% lower versus a price of $18.10 (overvalued). Cautious scenario $9.69, optimistic scenario $12.61. The calculation is refreshed regularly with new filings.
What is the revenue of Coastal Carolina Bancshares Inc (CCNB)?
Coastal Carolina Bancshares Inc reported trailing-twelve-month revenue of about $42.6M (latest available figure, as of Nov 8, 2026).
What is the intrinsic value of Coastal Carolina Bancshares Inc (CCNB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Coastal Carolina Bancshares Inc it is $10.60 per share (as of Nov 8, 2026), against a price of $18.10. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Coastal Carolina Bancshares Inc stock overvalued or undervalued in 2026?
As of Nov 8, 2026, CCNB trades above its calculated fair value: price $18.10, fair value $10.60, a gap of about −41% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CCNB?
No. The price is what the market pays today ($18.10); the fair value is what the company's own numbers justify ($10.60). For Coastal Carolina Bancshares Inc the two are $7.50 per share apart. That gap is exactly why we show both numbers side by side.
How much is Coastal Carolina Bancshares Inc worth?
The market values Coastal Carolina Bancshares Inc at about $137M (market capitalisation, as of Nov 8, 2026). Per share that is $18.10; our models calculate a fair value of $10.60 per share.
What do the bullish and bearish scenarios say about CCNB?
Our models span a range for Coastal Carolina Bancshares Inc: cautious scenario $9.69, base $10.60, optimistic $12.61 per share (as of Nov 8, 2026, price $18.10). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CCNB?
Coastal Carolina Bancshares Inc trades at a price-to-earnings ratio of 10.3 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $10.60 is built from several models across several years. Median P/E at fiscal year-end, 7 fiscal years (2019 to 2025), reported earnings: 9.0. Other multiples: P/B 1.3, P/S 3.2.
How solid is the balance sheet of Coastal Carolina Bancshares Inc (CCNB)?
Balance-sheet figures for Coastal Carolina Bancshares Inc (as of Nov 8, 2026): return on equity 13.0%, debt of 0.21 per unit of equity. They feed the Quality Score of 47/100, which measures business quality independently of the share price.
How far is CCNB from its 52-week high?
Coastal Carolina Bancshares Inc trades at $18.10, about 2% below its 52-week high of $18.45 and 48% above the low of $12.27 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $10.60 is for.
Which stocks are comparable to Coastal Carolina Bancshares Inc?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Coastal Carolina Bancshares Inc stock attractive at the current price?
The data as of Nov 8, 2026: price $18.10, calculated fair value $10.60 (−41%), Quality Score 47/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CCNB calculated?
We run Coastal Carolina Bancshares Inc through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $10.60 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Coastal Carolina Bancshares Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Coastal Carolina Bancshares Inc (CCNB)?
The closing price on Nov 6, 2026 was $18.10. Our model-based fair value is $10.60, about 41% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Coastal Carolina Bancshares Inc right now?
The price sits above even our optimistic bull case ($12.61). The favourable scenario is already priced in. Weak quality (47/100) and above fair value at the same time, the margin of safety is missing on both counts. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Coastal Carolina Bancshares Inc

How large is the market capitalisation of Coastal Carolina Bancshares Inc (CCNB)?
The market capitalisation of Coastal Carolina Bancshares Inc is $137M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Coastal Carolina Bancshares Inc (CCNB)?
The price-to-sales ratio of Coastal Carolina Bancshares Inc is 3.22 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Coastal Carolina Bancshares Inc (CCNB)?
Earnings per share at Coastal Carolina Bancshares Inc are $1.76 (price ÷ EPS = P/E 10.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Coastal Carolina Bancshares Inc (CCNB)?
The net margin of Coastal Carolina Bancshares Inc is 28.7% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Coastal Carolina Bancshares Inc (CCNB)?
The return on equity (ROE) of Coastal Carolina Bancshares Inc is 13.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Coastal Carolina Bancshares Inc (CCNB)?
On an EBIT basis the return on assets of Coastal Carolina Bancshares Inc is −2.0% (avg 4y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Coastal Carolina Bancshares Inc (CCNB)?
The operating margin of Coastal Carolina Bancshares Inc is 33.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Coastal Carolina Bancshares Inc (CCNB)?
Revenue at Coastal Carolina Bancshares Inc is growing +19.5% versus a year earlier (3y avg +12.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Coastal Carolina Bancshares Inc (CCNB)?
Earnings per share at Coastal Carolina Bancshares Inc are growing −2.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Coastal Carolina Bancshares Inc (CCNB) generate?
The free cash flow of Coastal Carolina Bancshares Inc is $10.3M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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