Stock fact sheet · data as of
Coastal Carolina Bancshares, Inc. (CCNB): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Speculative / Distressed
Is CCNB undervalued?
CCNB has a margin of safety of 53%: the stock closed at 18.09 on 16 Oct 2026 against a GLS average fair value of 38.23. 7 of the 8 valuation models that produced a number sit above the price. Our screens treat a discount this large as a strong starting point for a cash-secured put, not as a verdict - the fair value is a model output, and a wide gap can mean the models are missing something the market knows.
The 8 models disagree widely: EPV gives 18.08 while Graham Growth gives 57.64. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files CCNB under Speculative / Distressed - negative earnings or a Piotroski score of 3 or less - which caps its Wheel Score at 45 and keeps it out of the Sunday Scan.
Nine valuation models for CCNB
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 51.17 | +183% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 23.06 | +27% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 57.64 | +219% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 22.56 | +25% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 50.37 | +178% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 39.25 | +117% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 43.69 | +142% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 18.08 | -0% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -115.78 | -740% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is weak: CCNB passes 3 of the nine Piotroski tests. Our screens drop the stock at the health rule; a low score is often the reason a stock looks cheap on the valuation models. The GLS Moat score is 6.8 out of 10: a ten-year record that is consistent in some of the metrics the score tracks (revenue, earnings, margins, cash flow, returns on capital) and patchy in others.
Returns on capital are moderate - ROIC 8.7%, ROE 10.6%, ROA 0.9% - with debt at 0.23 times equity and negative free cash flow.
Coastal Carolina Bancshares, Inc. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 3 / 9 | ROIC | 8.7% |
|---|---|---|---|
| GLS Moat | 6.8 / 10 | ROE | 10.6% |
| Debt / equity | 0.23 | ROA | 0.9% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 39: No options
CCNB has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business; the Wheel Score is capped at 39 and shown as "No options" (39 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 3k shares a day on a market cap of $136M, with a beta of 0.17 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 53% margin of safety | |
| Health | 7 / 20 | Piotroski 3/9 | |
| Moat | 10 / 15 | moat 6.8/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 3k shares/day, $136M cap, beta 0.17 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for CCNB in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Coastal Carolina Bancshares, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| PPBN Pinnacle Bankshares Corporation | 62.50 | 114.67 | +45% | 39No options | $136M |
| SRBK SR Bancorp, Inc. Common stock | 18.49 | 29.00 | +36% | 39No options | $135M |
| FGBI First Guaranty Bancshares, Inc. | 8.16 | 31.36 | +74% | 39No options | $135M |
| FGBIP First Guaranty Bancshares, Inc. | 17.05 | 28.32 | +40% | 39No options | $134M |
| PONT Pontiac Bancorp, Inc. | 680.00 | 811.82 | +16% | 39No options | $141M |
| FFDF FFD Financial Corporation | 48.53 | 75.95 | +36% | 39No options | $141M |
| PBCO PBCO Financial Corporation | 27.88 | 22.88 | -22% | 25No options | $141M |
| SFDL Security Federal Corporation | 45.86 | 60.46 | +24% | 39No options | $142M |
| FKYS First Keystone Corporation | 19.99 | 18.60 | -7% | 34No options | $131M |
| LSBK Lake Shore Bancorp, Inc. | 18.12 | 21.97 | +18% | 39No options | $142M |
| FMBN Farmers & Merchants Bancshares, Inc. | 43.20 | 89.99 | +52% | 39No options | $143M |
| SOMC Southern Michigan Bancorp, Inc. | 28.90 | 51.55 | +44% | 39No options | $130M |
⚖ Compare CCNB with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about CCNB
Is CCNB undervalued right now?
By the GLS models, yes: at 18.09 the stock is 53% below the average fair value of 38.23 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of CCNB and what does it mean?
CCNB has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for CCNB?
38.23 per share as of 16 Oct 2026 - the simple average of the 8 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Coastal Carolina Bancshares, Inc. report earnings next?
No upcoming earnings date is recorded for CCNB in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does CCNB have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on CCNB, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.