Investment Thesis
Coastal Carolina Bancshares demonstrates severely deteriorated financial health with microscopic profitability metrics (0.9% net margin, 0.1% ROE, 0.0% ROA) and minimal net income generation relative to assets. The company's data freshness from March 2013 raises critical concerns about information reliability, and the absence of recent insider activity combined with extremely weak operational performance suggests fundamental business challenges.
Strengths
- Revenue growth of 21.7% YoY shows top-line expansion momentum
- Positive free cash flow of 125.6K demonstrates some cash generation capability
- No long-term debt provides balance sheet simplicity
Risks
- Profitability metrics are critically weak: 0.9% net margin with 0.1% ROE and 0.0% ROA indicate severe operational inefficiency
- Data freshness from March 2013 is severely outdated, making current assessment reliability highly questionable
- Net income of only 9.2K on 105.1M in assets reflects poor asset utilization and business productivity
- High liability-to-asset ratio (90.7M/105.1M = 86.3%) indicates significant financial leverage and risk
- Zero insider activity in last 90 days suggests management disengagement or lack of confidence
Key Metrics to Watch
- Net profit margin trend and absolute net income generation
- Return on Assets (ROA) and Return on Equity (ROE) improvement trajectory
- Asset quality metrics and non-performing loan ratios
- Capital adequacy ratios relative to regulatory minimums
Financial Metrics
Revenue
1.0M
Net Income
9.3K
EPS (Diluted)
$0.00
Free Cash Flow
125.6K
Total Assets
105.1M
Cash
N/A
Profitability Ratios
Gross Margin
N/A
Operating Margin
N/A
Net Margin
0.9%
ROE
0.1%
ROA
0.0%
FCF Margin
12.2%
Balance Sheet & Liquidity
Current Ratio
N/A
Quick Ratio
N/A
Debt/Equity
0.00x
Debt/Assets
86.3%
Interest Coverage
N/A
Long-term Debt
N/A
Disclaimer: This analysis is generated by AI based on publicly available SEC EDGAR filings.
It does not include stock price data and should not be considered financial advice.
All fundamental data is sourced from SEC public domain filings.
Always conduct your own research before making investment decisions.
Data Source: SEC EDGAR |
Analysis Date: 2026-03-22T01:44:11.041679 |
Data as of: 2013-03-31 |
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