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Coastal Carolina BancsharesCCNB -0.77%68 Return-on-Tangible-Asset is 1.03% as of Mar. 2026, which is 32% above its 10-year median of 0.78. 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 1,528 Banks companies, Coastal Carolina Bancshares ranks worse than 51.77% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Coastal Carolina Bancshares's annualizedNet Income for the quarter that ended in Mar. 2026 was $13.08 Mil. Coastal Carolina Bancshares's average total tangible assets for the quarter that ended in Mar. 2026 was $1,275.43 Mil. Therefore, Coastal Carolina Bancshares's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 1.03%.
The historical rank and industry rank for Coastal Carolina Bancshares's Return-on-Tangible-Asset or its related term are showing as below:
CCNB'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.06 Med: 0.78 Max: 0.97
Current: 0.97
During the past 10 years, Coastal Carolina Bancshares's highest Return-on-Tangible-Asset was 0.97%. The lowest was 0.06%. And the median was 0.78%.
CCNB's Return-on-Tangible-Asset is ranked worse than 51.77% of 1528
companies
in the Banks industry
Industry Median: 1.01
vs CCNB: 0.97
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Coastal Carolina Bancshares Return-on-Tangible-Asset Related Terms
Coastal Carolina Bancshares Return-on-Tangible-Asset 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.
CCNB vs PPBN, BNCC, CTUY: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Coastal Carolina Bancshares's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Coastal Carolina Bancshares's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Coastal Carolina Bancshares's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.03% mean?
Coastal Carolina Bancshares (CCNB) has a Return-on-Tangible-Asset of 1.03% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Coastal Carolina Bancshares and its competitors. This is 32% above median its historical median of 0.78. Over the past decade, Coastal Carolina Bancshares' Return-on-Tangible-Asset has ranged from 0.06 to 0.97. According to the industry distribution chart, Coastal Carolina Bancshares ranks #791 out of 1528 companies in the Banks industry, placing it in the top 51.8%.
Is Coastal Carolina Bancshares' Return-on-Tangible-Asset too high?
Coastal Carolina Bancshares' current Return-on-Tangible-Asset of 1.03% is 32% above median its 10-year median of 0.78. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 0.97. The Banks industry median Return-on-Tangible-Asset is 1.01. Coastal Carolina Bancshares' value of 1.03% is 2% above this industry median. Based on the distribution chart, Coastal Carolina Bancshares ranks #791 out of 1528 companies in the Banks industry, which is below 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' Return-on-Tangible-Asset compare to PPBN and BNCC?
According to the Banks industry distribution chart, Coastal Carolina Bancshares ranks #791 out of 1528 companies for Return-on-Tangible-Asset. This places Coastal Carolina Bancshares in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.01. Coastal Carolina Bancshares' value of 1.03% is 2% above this benchmark. Historically, Coastal Carolina Bancshares' own Return-on-Tangible-Asset has ranged from 0.06 to 0.97 over the past decade. While the company's 10-year median is 0.78 vs. the industry median of 1.01, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.01, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Coastal Carolina Bancshares's current Return-on-Tangible-Asset of 1.03% is 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Coastal Carolina Bancshares and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Coastal Carolina Bancshares's current Return-on-Tangible-Asset is 1.03%, which is 32% above median its own 10-year median of 0.78. 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 Return-on-Tangible-Asset is 1.03%, which is 32% above median its 10-year median of 0.78 and 2% above the Banks industry median of 1.01. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Coastal Carolina Bancshares (CCNB), the current Return-on-Tangible-Asset is 1.03% 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:
Return-on-Tangible-Asset: 1.03% (32% above median its 10-year median of 0.78)
GF Value™: $12.87 vs. price of $16.82 (30.7% above fair value)
Industry Position: 2% above the Banks median (#791 of 1528)
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
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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