Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Coastal Carolina BancsharesCCNB -0.77%68 Net Margin % is 29.00% as of Mar. 2026, which is 38% above its 10-year median of 21.09. GuruFocus rates CCNB with a GF Score™ of 68/100 and a GF Value™ of $12.87 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,526 Banks companies, Coastal Carolina Bancshares ranks better than 52.29% on this metric.
Coastal Carolina Bancshares (OTCPK:CCNB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Coastal Carolina Bancshares Net Margin % Related Terms
Coastal Carolina Bancshares Net Margin % Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Coastal Carolina Bancshares's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Coastal Carolina Bancshares Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Coastal Carolina Bancshares's Net Margin % distribution charts can be found below:
* The bar in red indicates where Coastal Carolina Bancshares's Net Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Coastal Carolina Bancshares (CCNB) has a Net Margin % of 29.00% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Coastal Carolina Bancshares and its competitors. This is 38% above median its historical median of 21.09. Over the past decade, Coastal Carolina Bancshares' Net Margin % has ranged from 2.04 to 27.60. According to the industry distribution chart, Coastal Carolina Bancshares ranks #728 out of 1526 companies in the Banks industry, placing it in the top 47.7%.
Is Coastal Carolina Bancshares' Net Margin % too high?
Coastal Carolina Bancshares' current Net Margin % of 29.00% is 38% above median its 10-year median of 21.09. Over the past 10 years, this metric has ranged from a low of 2.04 to a high of 27.60. The Banks industry median Net Margin % is 27.06. Coastal Carolina Bancshares' value of 29.00% is 7.2% above this industry median. Based on the distribution chart, Coastal Carolina Bancshares ranks #728 out of 1526 companies in the Banks industry, which is above the industry midpoint. Overall, Coastal Carolina Bancshares has a GF Score™ of 68/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Coastal Carolina Bancshares' Net Margin % compare to PPBN and BNCC?
According to the Banks industry distribution chart, Coastal Carolina Bancshares ranks #728 out of 1526 companies for Net Margin %. This puts Coastal Carolina Bancshares in the upper half of its industry. The industry median Net Margin % is 27.06. Coastal Carolina Bancshares' value of 29.00% is 7.2% above this benchmark. Historically, Coastal Carolina Bancshares' own Net Margin % has ranged from 2.04 to 27.60 over the past decade. While the company's 10-year median is 21.09 vs. the industry median of 27.06, Coastal Carolina Bancshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.06, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Coastal Carolina Bancshares's current Net Margin % of 29.00% is 7.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Coastal Carolina Bancshares and its competitors. For the Banks industry, the median Net Margin % is 27.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Coastal Carolina Bancshares's current Net Margin % is 29.00%, which is 38% above median its own 10-year median of 21.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Coastal Carolina Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Coastal Carolina Bancshares (CCNB) is currently considered Significantly Overvalued. The stock's GF Value™ is $12.87, compared to a current price of $16.82 — trading 30.7% above its estimated fair value. The current Net Margin % is 29.00%, which is 38% above median its 10-year median of 21.09 and 7.2% above the Banks industry median of 27.06. Coastal Carolina Bancshares' overall GF Score™ is 68/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Coastal Carolina Bancshares (CCNB), the current Net Margin % is 29.00% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Coastal Carolina Bancshares (CCNB) Overvalued in 2026?
Based on GuruFocus' analysis, Coastal Carolina Bancshares stock appears to be overvalued.
The current stock price of $16.82 is trading 30.7% above its estimated GF Value™ of $12.87.
GuruFocus considers Coastal Carolina Bancshares to be Significantly Overvalued.
Key valuation signals for CCNB:
Net Margin %: 29.00% (38% above median its 10-year median of 21.09)
GF Value™: $12.87 vs. price of $16.82 (30.7% above fair value)
Industry Position: 7.2% above the Banks median (#728 of 1526)
No single metric tells the full story. See the CCNB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Coastal Carolina Bancshares Inc is a banking service provider in domestic markets, principally in Horry County, Richland County, Aiken County, Greenville County, Spartanburg County, and Orangeburg County, South Carolina. The services offered by the firm are business banking, personal banking, and mortgages. The firm's offerings consist of personal and business checking accounts, personal and commercial loans, online and mobile banking services, mobile deposits, and E-statements.
68GF Score
Get the complete analysis for CCNB
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CCNB has been successfully added to your 
