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Coastal Carolina BancsharesCCNB -0.77%68 Return-on-Tangible-Equity is 12.89% as of Mar. 2026, which is 32% above its 10-year median of 9.79. 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 1,522 Banks companies, Coastal Carolina Bancshares ranks better than 64.19% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Coastal Carolina Bancshares's annualized net income for the quarter that ended in Mar. 2026 was $13.08 Mil. Coastal Carolina Bancshares's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $101.47 Mil. Therefore, Coastal Carolina Bancshares's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 12.89%.
The historical rank and industry rank for Coastal Carolina Bancshares's Return-on-Tangible-Equity or its related term are showing as below:
CCNB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 0.73 Med: 9.79 Max: 13.94
Current: 13.06
During the past 10 years, Coastal Carolina Bancshares's highest Return-on-Tangible-Equity was 13.94%. The lowest was 0.73%. And the median was 9.79%.
CCNB's Return-on-Tangible-Equity is ranked better than 64.19% of 1522
companies
in the Banks industry
Industry Median: 11.375
vs CCNB: 13.06
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Coastal Carolina Bancshares Return-on-Tangible-Equity Related Terms
Coastal Carolina Bancshares Return-on-Tangible-Equity 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-Equity Comparison
For the Banks - Regional subindustry, Coastal Carolina Bancshares's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Coastal Carolina Bancshares's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Coastal Carolina Bancshares's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 12.89% mean?
Coastal Carolina Bancshares (CCNB) has a Return-on-Tangible-Equity of 12.89% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Coastal Carolina Bancshares and its competitors. This is 32% above median its historical median of 9.79. Over the past decade, Coastal Carolina Bancshares' Return-on-Tangible-Equity has ranged from 0.73 to 13.94. According to the industry distribution chart, Coastal Carolina Bancshares ranks #545 out of 1522 companies in the Banks industry, placing it in the top 35.8%.
Is Coastal Carolina Bancshares' Return-on-Tangible-Equity too high?
Coastal Carolina Bancshares' current Return-on-Tangible-Equity of 12.89% is 32% above median its 10-year median of 9.79. Over the past 10 years, this metric has ranged from a low of 0.73 to a high of 13.94. The Banks industry median Return-on-Tangible-Equity is 11.38. Coastal Carolina Bancshares' value of 12.89% is 13.3% above this industry median. Based on the distribution chart, Coastal Carolina Bancshares ranks #545 out of 1522 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' Return-on-Tangible-Equity compare to PPBN and BNCC?
According to the Banks industry distribution chart, Coastal Carolina Bancshares ranks #545 out of 1522 companies for Return-on-Tangible-Equity. This puts Coastal Carolina Bancshares in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.38. Coastal Carolina Bancshares' value of 12.89% is 13.3% above this benchmark. Historically, Coastal Carolina Bancshares' own Return-on-Tangible-Equity has ranged from 0.73 to 13.94 over the past decade. While the company's 10-year median is 9.79 vs. the industry median of 11.38, 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.38, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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-Equity of 12.89% is 13.3% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Coastal Carolina Bancshares and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.38 — 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-Equity is 12.89%, which is 32% above median its own 10-year median of 9.79. 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-Equity is 12.89%, which is 32% above median its 10-year median of 9.79 and 13.3% above the Banks industry median of 11.38. 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Coastal Carolina Bancshares (CCNB), the current Return-on-Tangible-Equity is 12.89% 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-Equity: 12.89% (32% above median its 10-year median of 9.79)
GF Value™: $12.87 vs. price of $16.82 (30.7% above fair value)
Industry Position: 13.3% above the Banks median (#545 of 1522)
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
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