Coastal Bank & Trust (CABT)
For informational purposes only. Not financial advice. Analysis by Sedat Aydin, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Coastal Bank & Trust (CABT) with AI Score 46/100 (Weak). Coastal Bank & Trust is a community bank serving retail customers and small to medium-sized businesses in Onslow County, North Carolina, and surrounding areas. Market cap: 0, Sector: Financial services.
Last analyzed: Mar 17, 2026Coastal Bank & Trust (CABT) Financial Services Profile
Coastal Bank & Trust, founded in 2009, provides community banking services in North Carolina, focusing on retail and SME clients with personalized financial solutions. Operating with a low beta of 0.02, CABT navigates the regional banking sector by offering traditional banking products and leveraging digital services.
Investment Thesis
Coastal Bank & Trust, with a market capitalization of $0.02 billion and a beta of 0.02, presents a focused investment opportunity within the regional banking sector. The bank's strategy of serving the specific financial needs of retail customers and SMEs in Onslow County and surrounding areas offers a stable, albeit limited, growth trajectory. Key value drivers include the bank's ability to maintain a strong local presence and customer relationships, as well as its adoption of digital banking services to enhance customer experience. Growth catalysts include potential expansion within its existing geographic footprint and increased penetration of its digital offerings. Potential risks include competition from larger regional and national banks, as well as the impact of economic fluctuations on loan demand and credit quality.
Based on FMP financials and quantitative analysis
Key Highlights
- Coastal Bank & Trust focuses on serving retail customers and small to medium-sized businesses in Onslow County and surrounding areas.
- The company offers a comprehensive suite of financial products and services, including personal and business banking, lending, and digital services.
- Coastal Bank & Trust operates three locations in Jacksonville, Holly Ridge, and Richlands, North Carolina.
- The company has a market capitalization of $0.02 billion, indicating its relatively small size within the banking sector.
- Coastal Bank & Trust has a low beta of 0.02, suggesting lower volatility compared to the overall market.
Competitors & Peers
Strengths
- Strong local presence and customer relationships
- Focus on serving the specific needs of the community
- Personalized service and attention
- Adoption of digital banking services
Weaknesses
- Limited geographic reach
- Small market capitalization
- Dependence on local economy
- Limited product diversification
Catalysts
- Ongoing: Expansion of digital banking services to attract and retain customers.
- Ongoing: Focus on local relationships and personalized service to differentiate from larger competitors.
- Upcoming: Potential for strategic partnerships with local businesses to expand customer base.
- Upcoming: Development of niche lending products to cater to specific market needs.
- Ongoing: Efforts to improve customer relationship management (CRM) to enhance customer loyalty.
Risks
- Ongoing: Competition from larger regional and national banks with greater resources.
- Potential: Economic downturn impacting loan demand and credit quality.
- Potential: Regulatory changes affecting the banking industry.
- Potential: Cybersecurity risks and data breaches.
- Ongoing: Limited geographic reach restricting growth opportunities.
Growth Opportunities
- Expansion within Existing Geographic Footprint: Coastal Bank & Trust can expand its presence within Onslow County and surrounding areas by opening new branches or acquiring smaller community banks. This would allow the bank to reach a larger customer base and increase its market share. The market size for community banking in North Carolina is estimated to be in the billions of dollars, providing ample opportunity for growth. The timeline for expansion would depend on regulatory approvals and market conditions, but could be achieved within the next 3-5 years.
- Increased Penetration of Digital Offerings: Coastal Bank & Trust can drive growth by increasing the adoption of its digital banking services, such as online and mobile banking, remote deposit capture, and Zelle. This would allow the bank to serve customers more efficiently and attract younger, tech-savvy customers. The market for digital banking is growing rapidly, with mobile banking adoption rates increasing year over year. The timeline for achieving increased digital penetration could be within the next 1-2 years.
- Strategic Partnerships with Local Businesses: Coastal Bank & Trust can form strategic partnerships with local businesses to offer specialized financial products and services to their employees and customers. This would allow the bank to tap into new customer segments and generate additional revenue streams. The market for business banking services in Onslow County is significant, with a large number of SMEs operating in the area. The timeline for establishing strategic partnerships could be within the next 6-12 months.
- Development of Niche Lending Products: Coastal Bank & Trust can develop niche lending products tailored to the specific needs of its target market, such as agricultural loans or small business start-up loans. This would allow the bank to differentiate itself from larger competitors and attract customers who are underserved by traditional banks. The market for niche lending products is growing, as customers seek specialized financial solutions. The timeline for developing and launching niche lending products could be within the next 1-2 years.
- Enhanced Customer Relationship Management: Coastal Bank & Trust can invest in enhanced customer relationship management (CRM) systems to improve customer service and personalize its offerings. This would allow the bank to build stronger relationships with its customers and increase customer loyalty. The market for CRM solutions in the banking sector is growing, as banks seek to improve customer engagement and retention. The timeline for implementing enhanced CRM systems could be within the next 1-2 years.
Opportunities
- Expansion within existing geographic footprint
- Increased penetration of digital offerings
- Strategic partnerships with local businesses
- Development of niche lending products
Threats
- Competition from larger regional and national banks
- Economic downturn
- Regulatory changes
- Cybersecurity risks
Competitive Advantages
- Strong local presence and customer relationships
- Focus on serving the specific needs of the community
- Personalized service and attention
- Adoption of digital banking services
About CABT
Coastal Bank & Trust was established in 2009 in Jacksonville, North Carolina, with a mission to provide tailored financial solutions to the local community. The bank focuses on serving retail customers and small to medium-sized businesses (SMEs) in Onslow County and its surrounding areas. Coastal Bank & Trust offers a comprehensive suite of financial products and services, including personal and business checking and savings accounts, individual retirement accounts (IRAs), and certificates of deposit (CDs). The bank also provides a variety of lending products, such as consumer installment loans, overdraft protection, credit cards, personal and home equity lines of credit, residential mortgages, and construction loans. For businesses, Coastal Bank & Trust offers owner-occupied business real estate loans, working capital lines of credit, agricultural and small business loans, equipment financing, and business credit cards. The bank also provides cash management, remote deposit capture, and courier services, along with digital banking solutions like SecurLOCK Equip and Zelle. Operating from three locations in Jacksonville, Holly Ridge, and Richlands, North Carolina, Coastal Bank & Trust emphasizes local relationships and personalized service.
What They Do
- Provides personal and business checking and savings accounts
- Offers individual retirement accounts (IRAs) and certificates of deposit (CDs)
- Provides personal lending products, including consumer installment loans and credit cards
- Offers business lending products, including real estate loans and working capital lines of credit
- Provides cash management, remote deposit capture, and courier services
- Offers digital banking solutions, including online and mobile banking
- Provides ATM/debit cards and Zelle services
Business Model
- Generates revenue from interest income on loans
- Generates revenue from fees for services, such as cash management and overdraft protection
- Attracts deposits from retail customers and small businesses
- Manages risk through credit underwriting and diversification
Industry Context
Coastal Bank & Trust operates in the regional banking sector, which is characterized by intense competition and evolving customer preferences. The industry is undergoing a digital transformation, with customers increasingly demanding online and mobile banking services. The competitive landscape includes larger regional and national banks, as well as community banks and credit unions. Coastal Bank & Trust differentiates itself through its focus on local relationships and personalized service. The regional banking sector is influenced by macroeconomic factors such as interest rates, economic growth, and regulatory changes.
Key Customers
- Retail customers in Onslow County and surrounding areas
- Small to medium-sized businesses (SMEs) in Onslow County and surrounding areas
- Individuals seeking personal loans and mortgages
- Businesses seeking commercial loans and lines of credit
Financials
Chart & Info
Coastal Bank & Trust (CABT) stock price: Price data unavailable
Latest News
No recent news available for CABT.
Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CABT.
Price Targets
Wall Street price target analysis for CABT.
MoonshotScore
What does this score mean?
The MoonshotScore rates CABT's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Competitors & Peers
Leadership: Richard G. Jefferson
Unknown
Information about Richard G. Jefferson's background is not available in the provided context. Therefore, details regarding his career history, education, previous roles, and credentials are Unknown.
Track Record: Information about Richard G. Jefferson's track record is not available in the provided context. Therefore, details regarding his key achievements, strategic decisions, and company milestones under his leadership are Unknown.
CABT OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, encompassing securities that are not eligible for quotation on OTCQX or OTCQB. These securities often include those of companies that are defunct, in bankruptcy, or unwilling or unable to meet the minimum requirements for higher tiers. Information availability may be limited, and regulatory oversight is less stringent compared to listed exchanges like NYSE or NASDAQ. Investing in OTC Other securities carries significant risks due to the potential for fraud, lack of transparency, and limited liquidity.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited or no financial disclosure
- Potential for fraud or manipulation
- Lack of liquidity
- High price volatility
- Limited regulatory oversight
- Verify the company's legal status and registration
- Attempt to obtain and review any available financial statements
- Assess the company's management team and their experience
- Research the company's business model and competitive landscape
- Understand the risks associated with investing in OTC Other securities
- Consult with a financial advisor
- Check for any regulatory actions or legal proceedings against the company
- Established business operations since 2009
- Physical presence with multiple locations in North Carolina
- Provision of traditional banking services
- Membership in relevant industry associations
- Local community involvement
CABT Financial Services Stock FAQ
What does Coastal Bank & Trust do?
Coastal Bank & Trust is a full-service community bank that provides a range of financial products and services to retail customers and small to medium-sized businesses in Onslow County and surrounding areas of North Carolina. The bank offers traditional banking services such as checking and savings accounts, loans, and digital banking solutions. Coastal Bank & Trust focuses on building strong relationships with its customers and providing personalized service to meet their financial needs. The bank operates three locations in Jacksonville, Holly Ridge, and Richlands, North Carolina.
What do analysts say about CABT stock?
As of March 17, 2026, there is no available analyst coverage for Coastal Bank & Trust (CABT) due to its OTC Other listing and small market capitalization. Therefore, there is no analyst consensus, price target, or rating available. Investors should conduct their own thorough research and due diligence before making any investment decisions regarding CABT. Key valuation metrics and growth considerations are not readily available due to the limited information and disclosure associated with OTC Other stocks.
What are the main risks for CABT?
The main risks for Coastal Bank & Trust include competition from larger regional and national banks, economic downturns impacting loan demand and credit quality, regulatory changes affecting the banking industry, cybersecurity risks and data breaches, and limited geographic reach restricting growth opportunities. As an OTC Other stock, CABT also faces risks associated with limited financial disclosure, potential for fraud or manipulation, lack of liquidity, and high price volatility. Investors should carefully consider these risks before investing in CABT.
What are the key factors to evaluate for CABT?
Coastal Bank & Trust (CABT) currently holds an AI score of 46/100, indicating low score. Key strength: Strong local presence and customer relationships. Primary risk to monitor: Ongoing: Competition from larger regional and national banks with greater resources.. This is not financial advice.
How frequently does CABT data refresh on this page?
CABT prices update in real time during U.S. market hours (9:30 AM-4:00 PM ET, weekdays). Fundamentals refresh after quarterly or annual filings. Analyst ratings and AI insights update daily. News is aggregated continuously from financial sources.
What has driven CABT's recent stock price performance?
Recent price movement in Coastal Bank & Trust (CABT) can be influenced by earnings results, analyst revisions, sector rotation, and broader market sentiment. Notable catalyst: Strong local presence and customer relationships. Check the News and Technical Analysis tabs for the latest drivers. Past performance does not predict future results.
Should investors consider CABT overvalued or undervalued right now?
Determining whether Coastal Bank & Trust (CABT) is overvalued or undervalued requires examining multiple metrics. Compare valuation ratios (P/E, P/S, EV/EBITDA) against sector peers for a comprehensive view.
What research should beginners do before buying CABT?
Before investing in Coastal Bank & Trust (CABT), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may be subject to change.
- OTC market data may be limited and less reliable than exchange-listed securities.
- AI analysis pending for CABT.