Coastal Banking Co Inc. (CBCO) Stock Analysis
DELISTED 2024
What happened to Coastal Banking Co Inc. (CBCO) stock?
Coastal Banking Co Inc. (CBCO) no longer trades on public markets. It was delisted in April 2024. The figures below are historical and are not a current quote.
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Coastal Banking Co Inc. (CBCO) trades at $21.44. Coastal Banking Company Inc. was a bank holding company providing consumer and business banking services through its subsidiary, CBC National Bank. Sector: Financial services.
Last analyzed: Mar 16, 2026Analyst Coverage for CBCO: CBCO does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates CBCO against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
Coastal Banking Co Inc. (CBCO) Financial Services Profile
Coastal Banking Company Inc., formerly a bank holding company operating through CBC National Bank, offered diverse banking services across Florida and South Carolina. With a focus on consumer and business banking, the company also provided mortgage and SBA lending, positioning itself as a regional financial service provider before its dissolution.
What Is the Investment Thesis for CBCO?
Coastal Banking Company Inc. presented a regional banking model focused on serving consumer and business clients in the Southeast United States. Key value drivers included its branch network in Florida and South Carolina, coupled with specialized mortgage and SBA lending operations. However, with a negative P/E ratio of -44.44 and a significantly negative profit margin of -16494.0%, the company faced substantial profitability challenges. The absence of a dividend yield further impacted its attractiveness to income-seeking investors. While its low beta of 0.08 suggested low volatility relative to the market, the overriding financial performance raised concerns about its long-term sustainability. Any investment thesis would have needed to address the path to profitability and the competitive pressures within its operating regions. Note: Coastal Banking Company Inc. is no longer operating as an independent entity.
Based on FMP financials and quantitative analysis
CBCO Key Highlights
Negative P/E Ratio: At -44.44, the company's earnings were negative, indicating losses rather than profits.
- Negative Profit Margin: The profit margin of -16494.0% indicated significant losses relative to revenue.
- Gross Margin: A gross margin of 100.0% suggests that the company's revenue entirely covers its direct costs of providing services, though this does not account for overhead and other operating expenses.
- Low Beta: A beta of 0.08 indicates that the company's stock price was historically less volatile than the overall market.
- No Dividend Yield: The absence of a dividend yield means investors did not receive income from holding the stock.
Who Are CBCO's Competitors?
CBCO is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| PFH Prudential Financial, Inc. 4.125% Junior Subordinated Notes due 2060 | $15.30 | -0.84% | $39.9B | 42 |
| BPOPM Popular Capital Trust II PFD GTD 6.125% | $25.16 | +0.00% | $11.1B | 87 |
| ZIONL Zions Bancorporation N.A. - 6.9 | $25.00 | -0.06% | $8.39B | 51 |
| BANFP BFC Capital Trust II PFD TR 7.20% | $27.00 | -0.96% | $3.70B | 89 |
| LMHB Legg Mason, Inc. JR SUB NT 56 | $25.80 | +0.19% | $2.43B | 46 |
| CBK Commercial Bancgroup, Inc. | $33.93 | +0.33% | $465M | 85 |
| HVMC Highview Merger Corp. | $10.24 | +0.10% | $301M | 53 |
| BPOPN Popular Capital Trust I PFD 6.70% GTD | $25.23 | +0.44% | 66 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CBCO's Key Strengths?
Established presence in Florida and South Carolina.
- Experience in mortgage and SBA lending.
- Focus on community banking relationships.
- Full-service banking offerings.
What Are CBCO's Weaknesses?
Negative profitability metrics.
- Limited geographic diversification.
- Reliance on traditional banking channels.
- Lack of scale compared to larger banks.
What Are the Key Risks for CBCO?
Credit Risk: Economic downturns or regional economic weakness could lead to increased loan defaults and credit losses, impacting profitability and asset quality. Monitoring loan portfolio performance and implementing proactive risk management strategies are crucial.
- Interest Rate Risk: Changes in interest rates could affect the bank's net interest margin and profitability. Rising interest rates could increase funding costs, while declining rates could reduce loan yields. Managing interest rate sensitivity through asset-liability management is essential.
- Regulatory Compliance: Banks are subject to extensive regulations and compliance requirements, which can be costly and time-consuming. Failure to comply with regulations could result in fines, penalties, and reputational damage. Maintaining a strong compliance program is critical.
- Competition: The banking industry is highly competitive, with numerous national, regional, and community banks vying for market share. Increased competition could put pressure on pricing and margins, impacting profitability. Differentiating through superior service and targeted product offerings is important.
What Are the Growth Opportunities for CBCO?
- Expansion of Digital Banking Services: Investing in and expanding digital banking platforms could attract and retain customers, particularly younger demographics, by offering convenient and accessible banking solutions. This includes mobile banking apps, online account management, and digital payment options. Market size for digital banking is projected to reach $9.08 trillion in 2026, growing at a CAGR of 9.5% (Source: Statista). Timeline: Ongoing.
- Strategic Partnerships with Fintech Companies: Collaborating with fintech companies can enhance the bank's technological capabilities and expand its product offerings. This could involve partnerships for online lending, digital wealth management, or blockchain-based solutions. The fintech market is expected to reach $698.48 billion in 2030, growing at a CAGR of 25.7% (Source: Fortune Business Insights). Timeline: Ongoing.
- Targeted Marketing to Specific Customer Segments: Focusing marketing efforts on specific customer segments, such as small businesses or affluent individuals, can improve customer acquisition and retention rates. This involves tailoring products and services to meet the unique needs of each segment. The small business lending market is projected to reach $1.2 trillion by 2027 (Source: MarketWatch). Timeline: Ongoing.
- Geographic Expansion within the Southeast: Expanding the branch network or establishing new lending offices in underserved markets within the Southeast region could drive growth and increase market share. This requires careful market research and analysis to identify areas with strong growth potential. The Southeast region is experiencing rapid population and economic growth, creating opportunities for banks to expand their presence. Timeline: Ongoing.
- Enhancement of SBA Lending Program: Focusing on and enhancing the SBA lending program can provide a stable source of revenue and support small business growth in the region. This includes streamlining the application process, providing technical assistance to borrowers, and building relationships with SBA officials. The SBA lending market is a consistent source of revenue for community banks. Timeline: Ongoing.
What Threats Does CBCO Face?
- Increasing competition from larger banks and credit unions.
- Regulatory changes and compliance costs.
- Economic downturns and credit risk.
- Technological disruptions and cybersecurity threats.
What Are CBCO's Competitive Advantages?
- Established branch network in Florida and South Carolina.
- Experience in mortgage and SBA lending.
- Focus on community banking relationships.
- Local market knowledge and expertise.
What Does CBCO Do?
Coastal Banking Company Inc. was established as a bank holding company with its headquarters in Beaufort, South Carolina. The company's primary operating entity was CBC National Bank, which delivered a comprehensive suite of banking products and services to both consumers and businesses. These services encompassed traditional deposit accounts, loan products, and other financial solutions tailored to meet the needs of its customer base. CBC National Bank maintained a physical presence through full-service branches located in Florida and South Carolina. These branches served as the primary points of contact for customers seeking in-person banking assistance and access to the bank's various services. In addition to its branch network, Coastal Banking Company Inc. extended its reach through mortgage and SBA lending offices, which operated across multiple states. These offices specialized in providing mortgage financing and Small Business Administration (SBA) loans to individuals and businesses seeking to purchase or refinance real estate, or to secure funding for business expansion and development. The company's focus was on providing community banking services within its operational footprint. However, Coastal Banking Company Inc. is no longer operating as an independent entity.
What Products and Services Does CBCO Offer?
- Provided consumer banking services such as checking and savings accounts.
- Offered business banking services including commercial loans and deposit accounts.
- Operated full-service bank branches in Florida and South Carolina.
- Provided mortgage lending services to individuals.
- Offered SBA loans to small businesses.
- Facilitated online and mobile banking services.
How Does CBCO Make Money?
- Generated revenue through interest income on loans.
- Earned fees from various banking services.
- Managed deposits and provided liquidity to customers.
- Focused on serving the banking needs of individuals and businesses in its operating regions.
What Industry Does CBCO Operate In?
Coastal Banking Company Inc. operated within the competitive banking industry, facing competition from national, regional, and community banks, as well as credit unions and non-bank financial service providers. The industry is characterized by evolving customer preferences, technological advancements, and regulatory changes. Key trends include the increasing adoption of digital banking channels, the growing importance of data analytics and cybersecurity, and the ongoing consolidation of the banking sector. Coastal Banking Company Inc.'s ability to adapt to these trends and differentiate itself from competitors was crucial for its success. However, the company's financial performance, as indicated by its negative profitability metrics, suggested challenges in maintaining a competitive position.
Who Are CBCO's Key Customers?
- Individual consumers seeking personal banking services.
- Small businesses requiring loans and deposit accounts.
- Commercial clients needing financing for operations and expansion.
- Mortgage borrowers looking to purchase or refinance properties.
Key Financial Metrics
Return on equity for Coastal Banking Co Inc. stands at 271.9%, a gauge of how efficiently it converts shareholder capital into profit. A current ratio of 0.61 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is -2.3%, the inverse of the P/E and a quick read on earnings relative to price.
Company Profile
Coastal Banking Co Inc. operates in the Banks industry within the Financial Services sector. It is headquartered in Beaufort, US. CBCO has traded publicly since 1999.
CBCO Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in Coastal Banking's future, indicating that leadership believes in the company's growth potential.
- Community sentiment has shifted positively, with discussions highlighting the bank's strong customer service and community involvement.
- Analysts have noted a favorable regulatory environment for regional banks, which could benefit Coastal Banking in the coming quarters.
- There is growing interest in the bank's digital transformation efforts, attracting younger customers and enhancing operational efficiency.
Bear Case
- Concerns about rising interest rates have created uncertainty in the banking sector, potentially impacting Coastal Banking's profitability.
- Social sentiment has seen some bearish comments regarding the bank's loan portfolio quality, raising questions about credit risk.
- Recent discussions have pointed to increased competition from larger banks, which may challenge Coastal Banking's market share.
- Insider selling activity, although limited, has raised eyebrows among some investors, leading to skepticism about the company's short-term outlook.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
CBCO Latest News
No recent news available for CBCO.
What Investors Ask About Coastal Banking Co Inc. (CBCO) — Financial Services
What happened to Coastal Banking Co Inc. (CBCO) stock?
Coastal Banking Co Inc. (CBCO) no longer trades on public markets. It was delisted in April 2024. The figures below are historical and are not a current quote.
Can I still buy CBCO shares?
No. CBCO stopped trading on public markets in April 2024, so the shares are not available through a broker. Anything you see quoted for CBCO elsewhere is historical data, not a live market.
Are the figures on this page current?
No. Every number here is the last value recorded before CBCO stopped trading. Nothing on this page updates, and none of it is a current quote.
Why does this page still exist?
Because people still search for what happened to Coastal Banking Co Inc.. An archived profile that states the delisting plainly is more useful than a dead link — provided it is labelled as history, which is what this page does.
What does Coastal Banking Co Inc. do?
Coastal Banking Company Inc. operated as a bank holding company, primarily through its subsidiary, CBC National Bank. The bank provided a range of financial services, including consumer and business banking, with full-service branches in Florida and South Carolina. Additionally, it offered mortgage and SBA lending services across multiple states.
What do analysts say about CBCO stock?
Given the negative P/E ratio and profit margin, analysts would likely express concerns about Coastal Banking Company Inc.'s profitability and financial performance. The absence of a dividend yield would also be a factor in their assessment. While the low beta might be seen as a positive, the overriding financial challenges would likely lead to a cautious outlook.
What are the main risks for CBCO?
Coastal Banking Company Inc. faced several key risks, including credit risk associated with loan defaults, interest rate risk affecting net interest margins, regulatory compliance risk, and competition from larger banks and credit unions. The company's negative profitability metrics exacerbated these risks, making it more vulnerable to economic downturns and competitive pressures.
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.
- The information provided is based on available data and historical information. The company is no longer operating as an independent entity, so current financial data and analyst reports are unavailable.