CCNB: AI 评分 53/100 — AI 分析 (4月 2026)

Coastal Carolina Bancshares, Inc. is a bank holding company operating Coastal Carolina National Bank, providing financial services in South Carolina. With a focus on community banking, it offers a range of deposit and loan products to individuals and businesses.

Key Facts: AI Score: 53/100 Sector: Financial Services

公司概况

概要：

Coastal Carolina Bancshares, Inc., through Coastal Carolina National Bank, delivers commercial banking services in South Carolina, emphasizing personal and business relationships. With a $0.09B market cap and a P/E ratio of 8.30, the bank focuses on traditional banking products and digital services within its regional footprint, competing with larger national and regional banks.

CCNB是做什么的？

Coastal Carolina Bancshares, Inc., incorporated in 2008 and based in Myrtle Beach, South Carolina, functions as the holding company for Coastal Carolina National Bank (CCNB). CCNB is a nationally chartered commercial bank offering a suite of banking products and services across Horry, Richland, Aiken, and Greenville Counties in South Carolina. The bank's offerings include checking, savings, and money market accounts, as well as certificates of deposit. Loan products span personal, residential real estate, commercial, and consumer lending, including home equity lines of credit, vehicle loans, and commercial and industrial financing. CCNB distinguishes itself through its focus on community banking, emphasizing personalized service and local market expertise. The bank also provides treasury services, including payables and receivables management, liquidity solutions, and fraud mitigation. Digital banking solutions, such as online and mobile banking, remote deposit capture, and wire origination, complement its traditional branch network. Coastal Carolina Bancshares aims to serve the financial needs of individuals and businesses within its South Carolina footprint, fostering long-term relationships and contributing to local economic development. The bank competes with a mix of national, regional, and community banks, differentiating itself through its customer-centric approach and local market knowledge.

CCNB的投资论点是什么？

Coastal Carolina Bancshares, Inc. presents a focused investment opportunity within the South Carolina regional banking sector. The company's $0.09B market capitalization and P/E ratio of 8.30 reflect its current valuation. A profit margin of 16.8% indicates solid profitability. Growth catalysts include expansion within its existing South Carolina markets and potential acquisitions of smaller community banks. Key value drivers are its ability to grow its loan portfolio while maintaining credit quality and its efficiency in managing operating expenses. Potential risks include interest rate sensitivity and competition from larger banks with greater resources. Investors should monitor loan growth, net interest margin, and credit quality metrics to assess the company's performance. The company's beta of 0.11 suggests lower volatility compared to the overall market.

CCNB在哪个行业运营？

Coastal Carolina Bancshares operates within the competitive regional banking industry. The industry is characterized by increasing consolidation, technological disruption, and evolving regulatory requirements. Banks are focusing on enhancing digital capabilities, expanding into new markets, and improving operational efficiency. Coastal Carolina Bancshares competes with national and regional banks, as well as credit unions and fintech companies. The regional banking sector is influenced by interest rate movements, economic growth, and regulatory changes. The company's success depends on its ability to attract and retain customers, manage credit risk, and adapt to changing market conditions.

Banks - Regional

Financial Services

CCNB有哪些增长机遇？

Expansion within Existing Markets: Coastal Carolina Bancshares can grow by increasing its market share in Horry, Richland, Aiken, and Greenville Counties. This involves attracting new customers through targeted marketing campaigns, expanding its branch network, and offering competitive products and services. The market for banking services in these counties is estimated to be worth several billion dollars, providing ample opportunity for growth. Timeline: Ongoing.
Strategic Acquisitions: Coastal Carolina Bancshares could acquire smaller community banks or credit unions in South Carolina to expand its footprint and customer base. Acquisitions can provide access to new markets, products, and talent. The regional banking sector is consolidating, creating opportunities for strategic acquisitions. Timeline: Ongoing.
Enhanced Digital Banking Services: Investing in digital banking technologies can attract younger customers and improve customer satisfaction. This includes offering mobile banking apps, online account opening, and personalized financial advice. The market for digital banking services is growing rapidly, driven by changing customer preferences. Timeline: Ongoing.
Increased Commercial Lending: Expanding its commercial lending portfolio can drive revenue growth and improve profitability. This involves targeting small and medium-sized businesses in South Carolina with tailored loan products and services. The market for commercial loans in South Carolina is estimated to be worth several billion dollars. Timeline: Ongoing.
Wealth Management Services: Offering wealth management services can generate fee income and diversify its revenue streams. This includes providing financial planning, investment management, and trust services to high-net-worth individuals. The market for wealth management services is growing, driven by increasing wealth and an aging population. Timeline: Ongoing.

Market capitalization of $0.09B indicates its size within the regional banking sector.
P/E ratio of 8.30 suggests a potentially undervalued stock compared to industry peers.
Profit margin of 16.8% reflects efficient operations and profitability.
Gross margin of 60.3% indicates strong revenue generation relative to the cost of services.
Beta of 0.11 suggests lower volatility compared to the broader market, potentially appealing to risk-averse investors.

CCNB提供哪些产品和服务？

Provides checking accounts, savings accounts, money market accounts, and certificates of deposit.
Offers personal loans, including home equity lines of credit, car and truck loans, and boat loans.
Provides residential real estate, commercial loans, and consumer loans.
Offers construction and land development, real estate mortgage, other real estate, and commercial and industrial loans.
Provides treasury services for payables and receivables, liquidity management, reconciliation and reporting, and fraud mitigation.
Offers online and mobile banking, telephone banking, mobile deposit, and remote deposit capture.
Provides insured cash sweep, wire origination, online ACH origination and payroll direct deposit.
Offers debit and credit cards.

CCNB如何赚钱？

Generates revenue through interest income from loans.
Earns fees from deposit accounts and treasury services.
Manages assets and liabilities to optimize net interest margin.
Focuses on building relationships with customers in its local markets.

Individuals seeking personal banking services.
Small and medium-sized businesses requiring commercial loans and treasury services.
Real estate developers and investors seeking financing for projects.
High-net-worth individuals seeking wealth management services.

Strong local brand recognition in its South Carolina markets.
Established relationships with customers and community leaders.
Experienced management team with deep knowledge of the regional banking sector.
Efficient operations and a focus on customer service.

什么因素可能推动CCNB股价上涨？

Ongoing: Expansion of digital banking services to attract new customers and improve customer experience.
Ongoing: Growth in commercial lending to small and medium-sized businesses in South Carolina.
Ongoing: Strategic acquisitions of smaller banks or credit unions to expand its footprint.
Upcoming: Potential for increased interest rates to improve net interest margin.
Upcoming: Launch of new wealth management services to generate fee income.

CCNB的主要风险是什么？

Potential: Competition from larger banks and credit unions with greater resources.
Potential: Economic recession in South Carolina could negatively impact loan growth and credit quality.
Potential: Rising interest rates could increase funding costs and reduce demand for loans.
Ongoing: Regulatory changes could increase compliance costs and limit business activities.
Ongoing: Limited geographic diversification makes it vulnerable to regional economic downturns.

CCNB的核心优势是什么？

Strong local presence in South Carolina.
Experienced management team.
Solid financial performance.
Focus on customer service.

CCNB的劣势是什么？

Limited geographic diversification.
Smaller size compared to national and regional banks.
Dependence on interest income.
Vulnerability to economic downturns.

CCNB有哪些机遇？

Expansion into new markets in South Carolina.
Strategic acquisitions of smaller banks or credit unions.
Increased adoption of digital banking services.
Growth in commercial lending.

CCNB面临哪些威胁？

Competition from larger banks and credit unions.
Rising interest rates.
Economic recession.
Regulatory changes.

CCNB的竞争对手是谁？

Bylands Bancorp Inc — Community bank with a similar geographic focus. — (BYLB)
Citizens Holding Co — Regional bank with a broader range of services. — (CITZ)
EFinancial Corp — Focuses on digital banking and insurance products. — (EFIN)
First Bancorp — Larger regional bank with a diversified business model. — (FABP)
Kalabarya Corp — Community bank with a focus on small business lending. — (KLIB)

Key Metrics

MoonshotScore: 53/100

Company Profile

CEO: Laurence S. Bolchoz Jr.
Headquarters: Myrtle Beach, US
Employees: 31
Founded: 2017

AI Insight

AI analysis pending for CCNB

OTC Tier: OTC Other
Disclosure Status: Unknown

常见问题

What does Coastal Carolina Bancshares, Inc. do?

Coastal Carolina Bancshares, Inc. operates as the holding company for Coastal Carolina National Bank (CCNB), a nationally chartered commercial bank. CCNB provides a range of banking products and services, including deposit accounts, personal loans, commercial loans, and treasury services, to individuals and businesses in Horry, Richland, Aiken, and Greenville Counties, South Carolina. The bank focuses on community banking, emphasizing personalized service and local market expertise, while also offering digital banking solutions to meet evolving customer needs.

What do analysts say about CCNB stock?

AI analysis is pending for CCNB stock as of 2026-03-17. Therefore, a current analyst consensus is unavailable. Investors should monitor financial news sources and analyst reports for updates on valuation metrics, growth considerations, and potential risks. Key metrics to watch include loan growth, net interest margin, credit quality, and operating efficiency. Further research is needed to assess analyst sentiment and potential price targets.

What are the main risks for CCNB?

Coastal Carolina Bancshares faces several risks inherent to the regional banking sector. Competition from larger national and regional banks with greater resources poses a significant challenge. An economic downturn in South Carolina could negatively impact loan growth and credit quality. Rising interest rates could increase funding costs and reduce demand for loans. Regulatory changes could increase compliance costs and limit business activities. The company's limited geographic diversification makes it vulnerable to regional economic downturns.