Coastal Bank & Trust (CABT)
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 Bank & Trust (CABT) trades at $9.11 with AI Score 46/100 (Grade C). Coastal Bank & Trust (CABT) is a community bank focused on providing a range of financial services to retail customers and small to medium-sized businesses in North Carolina. Market cap: $23.46M, Sector: Financial services.
Price live · AI analysis from Jun 15, 2026Analyst Coverage for CABT: CABT 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 CABT against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
CABT: the 1 perspectives are evenly split.
How is this calculated? →Coastal Bank & Trust (CABT) Financial Services Profile
Coastal Bank & Trust (CABT) is a community-focused bank providing essential financial services to retail customers and small to medium-sized enterprises in Onslow County, North Carolina, emphasizing personalized customer relationships and local market expertise.
What Is the Investment Thesis for CABT?
Coastal Bank & Trust (CABT) presents a unique investment thesis centered on its localized banking model and community engagement. With a market capitalization of $23.46M, the bank focuses on retail and small business customers, which positions it to benefit from steady demand for banking services in its region. Key value drivers include its diverse product offerings, such as personal and business loans, which cater to the financial needs of local customers. The bank's commitment to personalized service enhances customer loyalty, potentially leading to increased deposits and lending activity. However, investors should be aware of risks associated with its OTC market listing, including lower liquidity and higher volatility compared to larger, exchange-listed banks. Overall, CABT's focus on community banking and personalized service provides a solid foundation for growth, although investors should monitor regulatory compliance and economic conditions impacting the local market.
Based on FMP financials and quantitative analysis
CABT Key Highlights
- Market capitalization of $23.46M reflects its community-focused banking model.
- Operates three branches in Onslow County, enhancing local market presence.
- Offers a comprehensive range of financial products for both retail and business customers.
- Low beta of 0.02 indicates lower volatility compared to the broader market.
- Established in 2009, demonstrating a commitment to community banking.
Who Are CABT's Competitors?
CABT is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| FNB F.N.B. Corporation | $19.16 | +0.71% | $6.82B | 85 |
| PBCT People's United Financial, Inc. | $19.41 | +0.00% | 48 | |
| CUBI Customers Bancorp, Inc. | $78.08 | +0.48% | $2.64B | 67 |
| MCHB Mechanics Bank | $16.21 | +0.31% | 4B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
| BUSE First Busey Corporation | $29.58 | -0.25% | $2.50B | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CABT's Key Strengths?
- Strong community focus enhances customer loyalty.
- Diverse range of financial products catering to various customer needs.
- Established presence in Onslow County with three branches.
- Low beta indicates stability and lower volatility.
What Are CABT's Weaknesses?
- Limited geographic reach compared to larger banks.
- Higher risk profile due to OTC market listing.
- Potential challenges in scaling operations and services.
- Dependence on local economic conditions.
What Could Drive CABT Stock Higher?
- Expansion of digital banking services to attract new customers.
- Increased demand for small business loans in the local market.
- Community engagement initiatives enhancing brand visibility.
- Potential partnerships with local businesses for co-marketing.
- Diversification of financial products to meet evolving customer needs.
What Are the Key Risks for CABT?
- Economic downturns impacting local lending and deposits.
- Intense competition from larger banks and fintech firms.
- Regulatory changes affecting community banking operations.
- Market volatility impacting customer confidence.
- Limited geographic reach compared to larger financial institutions.
What Are the Growth Opportunities for CABT?
- Expansion of Digital Banking Services: Coastal Bank & Trust can enhance its digital banking offerings to attract tech-savvy customers. The digital banking market is expected to grow significantly, with a projected CAGR of 10% over the next five years. By investing in mobile banking and online services, CABT can improve customer engagement and streamline operations, potentially increasing its market share in the region.
- Increased Demand for Small Business Loans: With small businesses recovering post-pandemic, there is a growing demand for business loans. The small business lending market is projected to reach $1 trillion by 2027. Coastal Bank & Trust can leverage its local expertise to provide tailored lending solutions, positioning itself as the go-to bank for small business financing in Onslow County.
- Community Engagement Initiatives: By further investing in community outreach and local events, Coastal Bank & Trust can strengthen its brand presence and customer loyalty. Community banks that actively engage with their local markets tend to see higher customer retention rates. This strategy can enhance CABT's reputation and drive growth through increased deposits and loan applications.
- Partnerships with Local Businesses: Establishing partnerships with local businesses for co-marketing and referral programs can expand CABT's customer base. Collaborations with local enterprises can enhance visibility and attract new clients, especially in the small business segment, which is crucial for the bank's growth strategy.
- Diversification of Financial Products: Coastal Bank & Trust can explore offering new financial products, such as investment services or insurance, to diversify its revenue streams. The financial services market continues to evolve, and by expanding its product offerings, CABT can meet the changing needs of its customers and enhance profitability.
What Opportunities Does CABT Have?
- Growing demand for small business loans post-pandemic.
- Expansion of digital banking services to attract younger customers.
- Increased community engagement initiatives to strengthen brand presence.
- Potential partnerships with local businesses for co-marketing opportunities.
What Threats Does CABT Face?
- Intense competition from larger banks and fintech companies.
- Economic downturns could impact local lending and deposit growth.
- Regulatory changes affecting community banks.
- Market volatility impacting customer confidence and banking activity.
What Are CABT's Competitive Advantages?
- Strong community ties and personalized customer service.
- Local market knowledge and understanding of customer needs.
- Diverse range of financial products tailored for the community.
- Established reputation within Onslow County enhances customer loyalty.
What Does CABT Do?
Founded in 2009, Coastal Bank & Trust is a full-service community bank headquartered in Jacksonville, North Carolina. The bank primarily serves retail customers and small to medium-sized businesses 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, and certificates of deposit. The bank also provides a wide range of personal lending products, such as consumer installment loans, credit cards, home equity lines of credit, and various mortgage options. Additionally, Coastal Bank & Trust supports local businesses with tailored lending solutions, including owner-occupied business real estate loans, working capital lines of credit, and equipment financing services. The bank has established itself as a reliable financial partner within its community, focusing on personalized service and local engagement. With three locations in Jacksonville, Holly Ridge, and Richlands, the bank is well-positioned to cater to the financial needs of its local clientele, fostering strong relationships and community ties. As a relatively young institution, Coastal Bank & Trust continues to evolve its offerings and expand its reach within the region, adapting to the financial needs of its customers.
What Products and Services Does CABT Offer?
- Provide personal and business checking and savings accounts.
- Offer a variety of lending products, including personal loans and mortgages.
- Facilitate cash management and remote deposit capture services.
- Provide investment loans and equipment financing for businesses.
- Offer online, mobile, and telephone banking services.
- Provide debit and credit card services, including fraud protection.
How Does CABT Make Money?
- Generate revenue through interest income from loans and mortgages.
- Earn fees from account services, such as overdraft protection and wire transfers.
- Offer financial advisory services and investment products for additional income.
- Facilitate transactions and cash management services for businesses.
What Industry Does CABT Operate In?
The regional banking industry is characterized by a growing demand for personalized financial services, particularly among small to medium-sized businesses and retail customers. As larger banks increasingly focus on digital solutions, community banks like Coastal Bank & Trust can capitalize on their localized knowledge and customer relationships. The U.S. banking sector is projected to grow steadily, with regional banks expected to capture a larger share of the market as consumers seek more tailored banking experiences. The competitive landscape includes both traditional banks and emerging fintech companies, necessitating a strong customer service focus to retain and attract clients.
Who Are CABT's Key Customers?
- Retail customers seeking personal banking solutions.
- Small to medium-sized businesses requiring financial services.
- Local residents looking for mortgage and lending options.
- Individuals interested in retirement accounts and savings products.
How Coastal Bank & Trust Is Valued
Relative to its peer group, CABT's quantitative score of 46/100 is below the peer average of 68/100.
CABT Financials
Bull Case vs Bear Case
Bull Case
- Strong community focus enhances customer loyalty.
- Diverse range of financial products catering to various customer needs.
- Established presence in Onslow County with three branches.
- Low beta indicates stability and lower volatility.
Bear Case
- Limited geographic reach compared to larger banks.
- Higher risk profile due to OTC market listing.
- Potential challenges in scaling operations and services.
- Dependence on local economic conditions.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
CABT Latest News
No recent news available for CABT.
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.
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.
Leadership: Richard G. Jefferson
CEO
Richard G. Jefferson has over 20 years of experience in the banking sector, with a strong background in community banking and financial services. He holds a degree in Finance from the University of North Carolina and has served in various leadership roles within regional banks prior to joining Coastal Bank & Trust. Jefferson is known for his commitment to customer service and community engagement.
Track Record: Under Richard G. Jefferson's leadership, Coastal Bank & Trust has expanded its product offerings and strengthened its community ties. He has overseen the opening of new branches and the introduction of innovative banking solutions that cater to the needs of local customers.
CABT OTC Market Information
The OTC Other tier represents stocks that trade over-the-counter but do not meet the requirements for higher tiers like OTCQX or OTCQB. Companies in this tier may have less stringent reporting requirements, which can lead to less transparency and higher risks for investors compared to stocks listed on major exchanges like NYSE or NASDAQ.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited regulatory oversight compared to exchange-listed companies.
- Higher volatility due to lower trading volumes.
- Potential lack of transparency in financial reporting.
- Increased risk of fraud or mismanagement in OTC markets.
- Verify the bank's compliance with regulatory requirements.
- Review available financial statements and reports.
- Assess the bank's credit quality and risk management practices.
- Investigate the bank's community engagement and reputation.
- Monitor news related to the bank and the local economy.
- Established history since 2009 in the community banking sector.
- Positive customer reviews and strong community ties.
- Membership in local banking associations and compliance with state regulations.
CABT Financial Services Stock FAQ
What does Coastal Bank & Trust do?
Coastal Bank & Trust is a community bank that provides a range of financial services including personal and business checking and savings accounts, loans, and investment products. It primarily serves retail customers and small to medium-sized businesses in Onslow County, North Carolina, focusing on personalized service and community engagement.
What are the main risks for CABT?
The main risks for Coastal Bank & Trust include economic downturns that could impact lending and deposit growth, intense competition from larger banks and fintech companies, and regulatory changes that may affect community banking operations. Additionally, its OTC market listing presents potential liquidity challenges and higher volatility.
How sensitive is CABT to interest rate changes?
Coastal Bank & Trust's profitability is sensitive to interest rate changes, particularly its net interest margin, which is influenced by the rates it pays on deposits versus the rates it earns on loans. A rising interest rate environment could enhance margins, while falling rates may compress them, impacting overall financial performance.
What are the key factors to evaluate for CABT?
Coastal Bank & Trust (CABT) holds an AI score of 46/100 (low). Not financial advice.
How frequently does CABT data refresh on this page?
CABT prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven CABT's recent stock price performance?
Coastal Bank & Trust (CABT) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong community focus enhances customer loyalty. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider CABT overvalued or undervalued right now?
Valuing Coastal Bank & Trust (CABT) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full 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.
- Financial data may be limited due to OTC classification and disclosure status.