CCB Coastal Financial Corporation - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 7, 2026
$40.17
· of 52w range
· above low
· to high
$35.5652w low
$119.5052w high
Market Cap (MRQ)
$614M
P/E
13.1
EPS
$3.06
your badges
52W Range
$36–$120
Analyst Rating
BUY
Price Target
$51
P/E
13.1
ROE
9.9%
Net Profit Margin
8.7%
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CCB Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$40.17
Market Cap (MRQ)
$614M
P/E
13.1
EPS
$3.06
ROE
9.9%
52W Range
$36–$120
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10-Year Performance Revenue, net income, margins and EPS trends
EPS$3.062022-12-31 → 2025-12-31
Free Cash Flow$246M2022-12-31 → 2025-12-31
Net margin8.7%2022-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | CCB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 13.1 | · | · | · | |
| P/S | 1.1 | · | 3.0 | Undervalued | |
| P/B (MRQ) | 1.3 | · | 1.2 | Overvalued | |
| Price / FCF (TTM) | 2.3 | · | · | · | |
| Price / Cash Flow (TTM) | 2.3 | · | 9.5 | Undervalued | |
| Price / Tangible Book | 1.3 | · | · | · | |
| PEG Ratio | ≈0.7 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | CCB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| EBITDA Margin | 1.2% | · | 1.6% | Weak | |
| Pretax Margin | 11.3% | · | 34.9% | Weak | |
| Net Profit Margin | 8.7% | · | 28.9% | Weak | |
| ROA | 1.1% | · | 1.1% | In line | |
| ROE | 9.9% | · | 9.9% | In line |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | CCB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | -6.8% | · | · | · | |
| Revenue CAGR 3Y | 22.5% | · | · | · | |
| Revenue CAGR 5Y | 52.5% | · | · | · | |
| EPS YoY | -6.1% | · | · | · | |
| Net Income YoY | 3.9% | · | · | · | |
| EPS CAGR 3Y | 0.55% | · | · | · | |
| EPS CAGR 5Y | 19.8% | · | · | · | |
| Net Income CAGR 3Y | 5.0% | · | · | · | |
| Net Income CAGR 5Y | 25.4% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | CCB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.1 | · | 0.0 | Top tier |
value · ≈ 5Y avg · industry median · verdict relative to median
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
-76.8%
Next Report
Oct 27, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Jul 27, 2026 | $-2.76 | $1.02 | -371.2% |
| March 31, 2026 | $0.78 | $1.06 | -26.1% | |
| Dec. 31, 2025 | $0.82 | $1.03 | -20.3% | |
| Sept. 30, 2025 | $0.88 | $0.89 | -0.97% | |
| June 30, 2025 | $0.71 | $0.84 | -15.9% | |
| March 31, 2025 | $0.63 | $0.85 | -26.1% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | $92M | $20M | $4M | $6M | $7M | $4M | $3M | |
| Interest Income | $430M | $397M | $323M | $192M | $83M | $63M | $49M | $39M | $32M | |
| Pretax Income | $61M | $57M | $57M | $51M | $34M | $19M | $17M | $12M | $10M | |
| Income Tax | $14M | $12M | $13M | $10M | $7M | $4M | $3M | $3M | $5M | |
| Net Income | $47M | $45M | $45M | $41M | $27M | $15M | $13M | $10M | $5M | |
| EPS (Basic) | $3.12 | $3.35 | $3.36 | $3.14 | $2.25 | $1.27 | $1.11 | $0.93 | $0.59 | |
| EPS (Diluted) | $3.06 | $3.26 | $3.27 | $3.01 | $2.16 | $1.24 | $1.08 | $0.91 | $0.59 | |
| Shares (Basic) | 15,051,806 | 13,508,047 | 13,261,664 | 12,949,266 | 12,022,954 | 11,920,735 | 11,896,258 | 10,440,740 | 9,234,490 | |
| Shares (Diluted) | 15,350,175 | 13,876,906 | 13,640,182 | 13,514,952 | 12,521,426 | 12,209,371 | 12,196,120 | 10,608,764 | 9,237,666 | |
| EBITDA | $7M | $5M | $2M | $2M | $2M | $1M | $1M | $1M | · |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| PP&E (Net) | $29M | $27M | $22M | $18M | $17M | $17M | $13M | $13M | $13M | |
| PP&E (Gross) | $51M | $44M | $34M | $29M | $27M | $25M | $20M | $20M | $19M | |
| Accum. Depreciation | $22M | $17M | $12M | $11M | $10M | $8M | $7M | $7M | $6M | |
| Intangibles | $5M | $0 | · | · | · | · | · | · | · | |
| Total Assets | $4.74B | $4.12B | $3.75B | $3.14B | $2.64B | $1.77B | $1.13B | $952M | $806M | |
| Capital Leases | $5M | $5M | $6M | · | · | · | · | · | · | |
| Deferred Tax | $853.0K | $0 | · | · | · | · | · | · | · | |
| Total Liabilities | $4.25B | $3.68B | $3.46B | $2.90B | $2.43B | $1.63B | $1.00B | $843M | $740M | |
| Common Stock | $233M | $228M | $130M | $126M | $122M | $88M | $87M | $86M | $53M | |
| Retained Earnings | $258M | $211M | $165M | $120M | $79M | $52M | $37M | $24M | $14M | |
| AOCI | $-1.0K | $-2.0K | $-469.0K | $-2M | $4.0K | $34.0K | $-32.0K | $-1M | $-944.0K | |
| Stockholders' Equity | $491M | $439M | $295M | $243M | $201M | $140M | $124M | $109M | $66M | |
| Liabilities + Equity | $4.74B | $4.12B | $3.75B | $3.14B | $2.64B | $1.77B | $1.13B | $952M | $806M | |
| Shares Outstanding | 15,140,192 | 14,935,298 | 13,304,339 | 13,161,147 | 12,875,315 | 11,954,327 | 11,913,885 | 11,893,203 | 8,887,457 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $7M | $5M | $2M | $2M | $2M | $1M | $1M | $1M | $993.0K | |
| Stock-based Comp | $9M | $5M | $4M | $3M | $1M | $630.0K | $431.0K | $310.0K | $285.0K | |
| Deferred Tax | $4M | $138.0K | $14M | $-11M | $-3M | $-1M | $-561.0K | $-382.0K | $1M | |
| Other Non-cash | $188M | $205M | $132M | $33M | $3M | $3M | $-641.0K | $4M | · | |
| Operating Cash Flow | $255M | $260M | $192M | $67M | $30M | $19M | $14M | $14M | $8M | |
| CapEx | $8M | $10M | $6M | $3M | $3M | $5M | $1M | $1M | $1M | |
| Investing Cash Flow | $-526M | $-609M | $-594M | $-988M | $-240M | $-667M | $-165M | $-139M | $-62M | |
| Debt Issued | · | $0 | $0 | $20M | $24M | $25M | · | · | · | |
| Net Debt Issued | · | $0 | $0 | $20M | · | $25M | · | · | · | |
| Stock Repurchased | · | · | · | · | · | · | · | · | $3.0K | |
| Financing Cash Flow | $556M | $318M | $543M | $450M | $860M | $622M | $154M | $134M | $60M | |
| Net Change in Cash | $284M | $-31M | $141M | $-471M | $650M | $-25M | $4M | $9M | $6M | |
| Taxes Paid | $8M | $10M | $6M | $23M | $9M | $5M | $4M | $3M | $4M | |
| Free Cash Flow | $246M | $250M | $190M | $64M | $27M | $14M | $12M | $13M | · | |
| Levered FCF | · | · | $119M | $48M | $24M | $9M | $7M | $10M | · |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 8.7% | 7.8% | 10.0% | 13.7% | 25.1% | 23.1% | 26.3% | 24.1% | · | |
| Pretax Margin | 11.3% | 9.9% | 12.8% | 17.1% | 32.0% | 29.2% | 33.1% | 30.4% | · | |
| EBITDA Margin | 1.2% | 0.78% | 0.52% | 0.61% | 1.5% | 2.1% | 2.5% | 2.7% | · | |
| ROA | 1.1% | 1.1% | 1.2% | 1.4% | 1.2% | 1.1% | 1.3% | 1.1% | · | |
| ROE | 9.9% | 11.7% | 15.4% | 17.2% | 14.9% | 11.0% | 10.8% | 9.0% | · |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.1 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | · |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $32.43 | $29.37 | $22.17 | $18.50 | · | · | · | $9.18 | · | |
| Revenue / Share | $35.29 | $41.88 | $32.69 | $21.94 | $8.59 | $5.37 | $4.12 | $3.80 | · | |
| Cash Flow / Share | $16.59 | $18.72 | $14.41 | $4.96 | $2.38 | $1.58 | $1.12 | $1.36 | · | |
| EPS (TTM) | $3.06 | $3.26 | $3.27 | $3.01 | $2.16 | $1.24 | $1.08 | $0.91 | · |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | -6.8% | 33.4% | 47.8% | 174.0% | 64.0% | · | · | · | · | |
| Revenue CAGR 3Y | 22.5% | 75.5% | 88.0% | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 52.5% | · | · | · | · | · | · | · | · | |
| EPS YoY | -6.1% | -0.31% | 8.6% | 39.4% | 74.2% | · | · | · | · | |
| EPS CAGR 3Y | 0.55% | 14.7% | 38.2% | · | · | · | · | · | · | |
| EPS CAGR 5Y | 19.8% | · | · | · | · | · | · | · | · | |
| Net Income YoY | 3.9% | 1.4% | 9.7% | 50.4% | 78.3% | · | · | · | · | |
| Net Income CAGR 3Y | 5.0% | 18.8% | 43.3% | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 25.4% | · | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $542M | $581M | $436M | $295M | $108M | $66M | $50M | $40M | · | |
| Net Income TTM | $47M | $45M | $45M | $41M | $27M | $15M | $13M | $10M | · | |
| Market Cap | $1.73B | $1.27B | $591M | $625M | · | · | · | $181M | · | |
| P/E | 37.4 | 26.0 | 13.6 | 15.8 | 23.4 | 16.9 | 15.2 | 16.7 | · | |
| P/S | 3.2 | 2.2 | 1.4 | 2.1 | · | · | · | 4.5 | · | |
| P/B | 3.5 | 2.9 | 2.0 | 2.6 | · | · | · | 1.7 | · | |
| P / Tangible Book | 3.6 | 2.9 | 2.0 | 2.6 | · | · | · | · | · | |
| P / Cash Flow | 6.8 | 4.9 | 3.0 | 9.3 | · | · | · | 12.6 | · | |
| P / FCF | 7.0 | 5.1 | 3.1 | 9.7 | · | · | · | 13.7 | · | |
| Earnings Yield | 2.7% | 3.8% | 7.4% | 6.3% | 4.3% | 5.9% | 6.6% | 6.0% | · |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | $29M | $28M | · | $31M | $31M | $29M | · | $33M | $31M | $30M | · | $26M | $21M | $16M | · | $6M | |
| Interest Income | $119M | $112M | $108M | $109M | $108M | $105M | $102M | $105M | $97M | $92M | $81M | $87M | $82M | $69M | $65M | $55M | |
| Pretax Income | $-55M | $15M | $17M | $18M | $14M | $12M | $17M | $16M | $15M | $9M | $12M | $13M | $17M | $15M | $16M | $14M | |
| Income Tax | $-13M | $3M | $5M | $4M | $3M | $2M | $4M | $3M | $3M | $2M | $3M | $3M | $4M | $3M | $2M | $3M | |
| Net Income | $-42M | $12M | $13M | $14M | $11M | $10M | $13M | $13M | $12M | $7M | $9M | $10M | $13M | $12M | $13M | $11M | |
| EPS (Basic) | $-2.76 | $0.79 | $0.84 | $0.90 | $0.73 | $0.65 | $0.98 | $1.00 | $0.86 | $0.51 | $0.68 | $0.77 | $0.97 | $0.94 | $1.01 | $0.86 | |
| EPS (Diluted) | $-2.76 | $0.78 | $0.84 | $0.88 | $0.71 | $0.63 | $0.95 | $0.97 | $0.84 | $0.50 | $0.66 | $0.75 | $0.95 | $0.91 | $0.97 | $0.82 | |
| Shares (Basic) | 15,243,357 | 15,179,447 | · | 15,093,274 | 15,033,296 | 14,962,507 | · | 13,447,066 | 13,412,667 | 13,340,997 | · | 13,285,974 | 13,275,640 | 13,196,960 | · | 12,938,200 | |
| Shares (Diluted) | 15,243,357 | 15,422,822 | · | 15,443,987 | 15,447,923 | 15,462,041 | · | 13,822,270 | 13,736,508 | 13,676,917 | · | 13,675,833 | 13,597,763 | 13,609,491 | · | 13,536,823 | |
| EBITDA | · | $2M | · | · | · | $2M | · | · | · | $882.0K | · | · | · | $466.0K | · | · |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PP&E (Net) | $26M | $30M | $29M | $29M | $29M | $29M | $27M | $26M | $25M | $23M | · | $21M | $19M | $18M | · | $18M | |
| PP&E (Gross) | · | · | $51M | · | · | · | $44M | · | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | · | · | $22M | · | · | · | $17M | · | · | · | · | · | · | · | · | · | |
| Intangibles | · | · | $5M | · | · | · | $0 | · | · | · | · | · | · | · | · | · | |
| Total Assets | $5.46B | $5.66B | $4.74B | $4.55B | $4.48B | $4.34B | $4.12B | $4.07B | $3.96B | $3.87B | · | $3.68B | $3.54B | $3.45B | · | $3.13B | |
| Capital Leases | $5M | $5M | · | $5M | $5M | $5M | · | $6M | $6M | · | · | · | · | · | · | · | |
| Deferred Tax | $0 | $2M | $853.0K | $799.0K | · | · | $0 | · | · | · | · | · | · | · | · | · | |
| Total Liabilities | $4.99B | $5.16B | $4.25B | $4.08B | $4.02B | $3.89B | $3.68B | $3.73B | $3.64B | $3.56B | · | $3.39B | $3.26B | $3.19B | · | $2.91B | |
| Common Stock | $236M | $234M | $233M | $230M | $230M | $230M | $228M | $135M | $133M | $132M | · | $129M | $128M | $127M | · | $124M | |
| Retained Earnings | $227M | $270M | $258M | $245M | $231M | $220M | $211M | $197M | $184M | $172M | · | $156M | $146M | $133M | · | $107M | |
| AOCI | $-1.0K | $-1.0K | $-1.0K | $-1.0K | $-1.0K | $-1.0K | $-2.0K | $-1.0K | $-2.0K | $-2.0K | · | $-1M | $-2M | $-2M | · | $-2M | |
| Stockholders' Equity | $463M | $504M | $491M | $475M | $462M | $450M | $439M | $332M | $317M | $304M | $295M | $284M | $273M | $259M | $243M | $229M | |
| Liabilities + Equity | $5.46B | $5.66B | $4.74B | $4.55B | $4.48B | $4.34B | $4.12B | $4.07B | $3.96B | $3.87B | · | $3.68B | $3.54B | $3.45B | · | $3.13B | |
| Shares Outstanding | 15,280,689 | 15,241,491 | 15,140,192 | 15,112,000 | 15,093,036 | 15,009,225 | 14,935,298 | 13,543,282 | 13,453,805 | 13,407,320 | 13,304,339 | · | · | · | 13,161,147 | · |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $6M | $2M | $2M | $2M | $2M | $2M | $1M | $1M | $1M | $882.0K | $765.0K | $607.0K | $490.0K | $466.0K | $471.0K | $493.0K | |
| Stock-based Comp | $2M | $2M | $4M | $50.0K | $2M | $3M | $1M | $1M | $1M | $1M | $874.0K | $917.0K | $847.0K | $1M | $729.0K | $684.0K | |
| Deferred Tax | $-18M | $803.0K | $54.0K | $5M | $83.0K | $-311.0K | $-516.0K | $-862.0K | $-1.0K | $2M | $411.0K | $21M | $-5M | $-2M | $-4M | $-2M | |
| Other Non-cash | · | $59M | · | · | · | $58M | · | · | · | $52M | · | · | · | $35M | · | · | |
| Operating Cash Flow | $77M | $76M | $58M | $59M | $66M | $72M | $68M | $57M | $67M | $57M | $45M | $65M | $34M | $46M | $25M | $21M | |
| CapEx | $2M | $2M | $2M | $2M | $2M | $3M | $3M | $2M | $3M | $2M | $2M | $2M | $1M | $284.0K | $217.0K | $290.0K | |
| Investing Cash Flow | $-384M | $-213M | $-134M | $-195M | $-92M | $-105M | $-150M | $-145M | $-176M | $-128M | $-108M | $8M | $-221M | $-272M | $-95M | $-590M | |
| Debt Issued | · | · | · | · | · | · | · | · | · | · | · | · | · | · | $20M | · | |
| Financing Cash Flow | $-179M | $896M | $171M | $59M | $121M | $205M | $50M | $85M | $81M | $103M | $71M | $127M | $67M | $278M | $1M | $140M | |
| Net Change in Cash | $-487M | $758M | $95M | $-78M | $95M | $172M | $-32M | $-3M | $-28M | $32M | $8M | $200M | $-119M | $52M | $-69M | $-429M | |
| Taxes Paid | $6M | $8.0K | $-2M | $3M | $6M | $105.0K | $2M | $4M | $4M | $98.0K | $1M | $0 | $5M | $165.0K | $12M | $6M | |
| Free Cash Flow | · | $74M | · | · | · | $69M | · | · | · | $60M | · | · | · | $46M | · | · | |
| Levered FCF | · | $51M | · | · | · | $45M | · | · | · | $37M | · | · | · | $34M | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | -23.6% | 8.0% | · | 9.4% | 9.2% | 7.0% | · | 8.8% | 8.5% | 4.6% | · | 10.6% | 10.7% | 11.9% | · | 13.3% | |
| Pretax Margin | -31.0% | 9.8% | · | 12.4% | 12.0% | 8.4% | · | 10.8% | 11.0% | 5.9% | · | 13.5% | 13.9% | 14.9% | · | 16.8% | |
| EBITDA Margin | · | 1.1% | · | · | · | 1.1% | · | · | · | 0.60% | · | · | · | 0.45% | · | · | |
| ROA | -0.85% | 0.24% | · | 0.32% | 0.26% | 0.24% | · | 0.35% | 0.31% | 0.19% | · | 0.30% | 0.40% | 0.39% | · | 0.40% | |
| ROE | -9.1% | 2.5% | · | 3.4% | 2.8% | 2.6% | · | 4.4% | 3.9% | 2.4% | · | 4.0% | 5.3% | 5.3% | · | 5.7% |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $30.33 | $33.05 | · | $31.45 | $30.59 | $29.98 | · | $24.51 | $23.54 | $22.65 | · | · | · | · | · | · | |
| Revenue / Share | $11.68 | $9.69 | · | $9.37 | $7.73 | $9.02 | · | $11.02 | $9.91 | $10.81 | · | $7.08 | $8.89 | $7.63 | · | $6.17 | |
| Cash Flow / Share | · | $4.93 | · | · | · | $4.64 | · | · | · | $4.53 | · | · | · | $3.43 | · | · | |
| EPS (TTM) | $-0.26 | $3.21 | · | $3.17 | $3.26 | $3.39 | · | $2.97 | $2.75 | $2.86 | · | $3.58 | $3.65 | $3.46 | · | $2.61 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $610M | $552M | · | $550M | $557M | $572M | · | $549M | $492M | $476M | · | $410M | $399M | $346M | · | $239M | |
| Net Income TTM | $-4M | $49M | · | $48M | $48M | $48M | · | $41M | $38M | $39M | · | $49M | $50M | $47M | · | $35M | |
| Market Cap | $1.18B | $1.16B | · | $1.63B | $1.46B | $1.36B | · | $731M | $621M | $521M | · | · | · | · | · | · | |
| P/E | -298.1 | 23.7 | · | 34.1 | 29.7 | 26.7 | · | 18.2 | 16.8 | 13.6 | · | 12.0 | 10.3 | 10.4 | · | 15.2 | |
| P/S | 1.9 | 2.1 | · | 3.0 | 2.6 | 2.4 | · | 1.3 | 1.3 | 1.1 | · | · | · | · | · | · | |
| P/B | 2.6 | 2.3 | · | 3.4 | 3.2 | 3.0 | · | 2.2 | 2.0 | 1.7 | · | · | · | · | · | · | |
| P / Tangible Book | 2.6 | 2.3 | · | 3.4 | 3.2 | 3.0 | · | 2.2 | 2.0 | 1.7 | · | · | · | · | · | · | |
| P / Cash Flow | · | 15.3 | · | · | · | 18.9 | · | · | · | 8.4 | · | · | · | · | · | · | |
| Earnings Yield | -0.34% | 4.2% | · | 2.9% | 3.4% | 3.8% | · | 5.5% | 6.0% | 7.4% | · | 8.3% | 9.7% | 9.6% | · | 6.6% |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 |
|---|---|---|---|---|---|
| Net Income | $47M | $45M | · | · | · |
| Diluted EPS | $3.06 | $3.26 | · | · | · |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $246M | $250M | · | · | · |
Institutional owners (13F) 212 filers · $948.9M total · As of Sept. 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
212
Value held
$948.9M
New positions
29
Exited positions
16
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 29 (-10 vs prior Q) | 16 (-31 vs prior Q) | 71 (+9 vs prior Q) | 65 (+2 vs prior Q) | -214K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| VANGUARD GROUP INC | $89,864,917 | 784,230 | 9.47% | Shares |
| BlackRock, Inc. | $85,429,371 | 1,102,172 | 9.00% | Shares |
| STATE STREET CORP | $45,186,082 | 582,971 | 4.76% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $44,458,496 | 573,584 | 4.69% | Shares |
| Azora Capital LP | $35,447,881 | 457,333 | 3.74% | Shares |
| ENDEAVOUR CAPITAL ADVISORS INC | $33,306,202 | 429,702 | 3.51% | Shares |
| AMERICAN CENTURY COMPANIES INC | $32,573,015 | 420,240 | 3.43% | Shares |
| FMR LLC | $29,375,650 | 378,992 | 3.10% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $28,854,710 | 372,280 | 3.04% | Shares |
| WELLINGTON MANAGEMENT GROUP LLP | $27,974,832 | 360,919 | 2.95% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $26,446,265 | 341,127 | 2.79% | Shares |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $26,017,162 | 335,662 | 2.74% | Shares |
| LOOMIS SAYLES & CO L P | $22,049,115 | 284,468 | 2.32% | Shares |
| UBS AM, a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC | $20,447,234 | 268,689 | 2.15% | Shares |
| CITADEL ADVISORS LLC | $18,232,212 | 235,224 | 1.92% | Shares |
| EMERALD ADVISERS, LLC | $16,767,971 | 216,333 | 1.77% | Shares |
| KENNEDY CAPITAL MANAGEMENT LLC | $13,043,538 | 168,282 | 1.37% | Shares |
| EMERALD MUTUAL FUND ADVISERS TRUST | $12,143,027 | 156,664 | 1.28% | Shares |
| Stieven Capital Advisors, L.P. | $12,073,810 | 155,771 | 1.27% | Shares |
| UBS Group AG | $11,728,270 | 151,313 | 1.24% | Shares |
| JCSD Capital, LLC | $11,249,801 | 145,140 | 1.19% | Shares |
| Ranger Investment Management, L.P. | $10,765,906 | 138,897 | 1.13% | Shares |
| ALLIANCEBERNSTEIN L.P. | $10,755,289 | 141,331 | 1.13% | Shares |
| Advisors Capital Management, LLC | $10,354,111 | 133,584 | 1.09% | Shares |
| PEREGRINE CAPITAL MANAGEMENT LLC | $10,295,576 | 132,829 | 1.09% | Shares |
| NORTHERN TRUST CORP | $9,060,764 | 116,898 | 0.95% | Shares |
| GOLDMAN SACHS GROUP INC | $8,999,298 | 116,105 | 0.95% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $8,716,387 | 112,455 | 0.92% | Shares |
| D.A. DAVIDSON & CO. | $8,683,910 | 112,036 | 0.92% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $8,528,115 | 110,026 | 0.90% | Shares |
| Brevan Howard Capital Management LP | $8,138,705 | 105,002 | 0.86% | Shares |
| JACOBS ASSET MANAGEMENT, LLC | $7,866,180 | 101,486 | 0.83% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $7,267,493 | 93,762 | 0.77% | Shares |
| STATE OF WISCONSIN INVESTMENT BOARD | $7,097,203 | 91,565 | 0.75% | Shares |
| STIFEL FINANCIAL CORP | $6,870,493 | 88,640 | 0.72% | Shares |
| BANK OF AMERICA CORP /DE/ | $6,273,738 | 80,941 | 0.66% | Shares |
| MILLENNIUM MANAGEMENT LLC | $5,836,581 | 75,301 | 0.62% | Shares |
| SILVERCREST ASSET MANAGEMENT GROUP LLC | $5,697,373 | 73,505 | 0.60% | Shares |
| SEGALL BRYANT & HAMILL, LLC | $5,488,793 | 70,814 | 0.58% | Shares |
| Orion Portfolio Solutions, LLC | $5,409,321 | 59,831 | 0.57% | Shares |
| MORGAN STANLEY | $5,232,599 | 67,508 | 0.55% | Shares |
| Qube Research & Technologies Ltd | $5,225,414 | 67,416 | 0.55% | Shares |
| Balyasny Asset Management L.P. | $4,808,875 | 62,042 | 0.51% | Shares |
| ROYCE & ASSOCIATES LP | $4,656,646 | 60,078 | 0.49% | Shares |
| MENDON CAPITAL ADVISORS CORP | $4,340,560 | 56,000 | 0.46% | Shares |
| Russell Investments Group, Ltd. | $4,241,558 | 54,721 | 0.45% | Shares |
| Trexquant Investment LP | $4,105,550 | 52,968 | 0.43% | Shares |
| GRAHAM CAPITAL WEALTH MANAGEMENT, LLC | $3,924,641 | 50,634 | 0.41% | Shares |
| Curi Capital, LLC | $3,875,500 | 50,000 | 0.41% | Shares |
| BOOTHBAY FUND MANAGEMENT, LLC | $3,760,630 | 48,518 | 0.40% | Shares |
Activists & 5%+ owners 1 position
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| CJA Private Equity Financial Restructuring Master Fund I, LP, CJA Private Equity Financial Restructuring GP I Ltd., Gapstow Capital Partners LP, Christopher J. Acito & Associates GP LLC, Christopher J. Acito, Jack T. Thompson ×2 filings | March 15, 2019 | · | Initial filing | · | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
Company insiders 28 insiders · 13 officers · 12 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Brandon John Soto | CFO | March 11, 2026 A | 33,673 | 0 | 0 | $0 |
| Brian T Hamilton | President of CCBX | Oct. 1, 2026 F | 66,421 | 0 | 5 | $-762,390 |
| Curt Queyrouze | President - Community Bank Div | May 30, 2025 F | 73,476 | 0 | 0 | $0 |
| John J Dickson | Chief Operating Officer | March 2, 2023 M | 31,649 | 0 | 0 | $0 |
| Christopher D Adams | Executive Chair | Aug. 7, 2026 P | 30,407 | 1 | 0 | $13,094 |
| Freddy I Rivas | Chief Credit Officer | Aug. 3, 2026 F | 11,884 | 0 | 0 | $0 |
| Elizabeth Ann Sarvela | Chief Risk Officer | May 4, 2026 F | 3,293 | 0 | 0 | $0 |
| Andrew G Stines | EVP, Chief Risk Officer | Feb. 6, 2025 A | 12,219 | 0 | 0 | $0 |
| Jonathan E Sand | EVP, Chief Credit Officer | Feb. 6, 2025 M | 22,303 | 0 | 0 | $0 |
| Michael Culp | Chief Revenue Officer | Feb. 5, 2025 F | 20,408 | 0 | 0 | $0 |
| Tarah M Herger | EVP, Division Manager | Feb. 5, 2025 A | 15,457 | 0 | 0 | $0 |
| Russ A Keithley | Chief Banking Officer | Feb. 5, 2025 A | 17,349 | 0 | 0 | $0 |
| Daniel J Lee | EVP & Chief Credit & Risk Off. | Feb. 3, 2020 A | 6,808 | 0 | 0 | $0 |
| Jeffrey M Chapman | Director | May 26, 2026 A | 1,532 | 0 | 0 | $0 |
| Michael Robert Patterson | Director | May 26, 2026 A | 8,294 | 0 | 0 | $0 |
| Pamela Unger | Director | May 26, 2026 A | 6,255 | 0 | 0 | $0 |
| Sadhana Akella-Mishra | Director | May 26, 2026 A | 8,096 | 0 | 0 | $0 |
| Stephan Klee | Director | May 26, 2026 A | 2,488 | 0 | 0 | $0 |
| Gregory A Tisdel | Director | May 26, 2026 A | 16,174 | 0 | 0 | $0 |
| Thomas D Lane | Director | May 26, 2026 A | 85,306 | 0 | 1 | $-21,780 |
| Rilla S Delorier | Director | May 26, 2026 A | 6,584 | 0 | 0 | $0 |
| Andrew P Skotdal | Director | March 14, 2023 P | 1,000 | 0 | 0 | $0 |
| John M Haugen Jr | Director | March 11, 2020 A | 3,000 | 0 | 0 | $0 |
| Eric M Sprink | · | Aug. 6, 2026 P | 173,238 | 1 | 10 | $-5,538,556 |
| Steven D Hovde | · | Aug. 6, 2026 P | 26,500 | 2 | 7 | $-501,732 |
| Joel G Edwards | · | Jan. 26, 2026 S | 11,462 | 0 | 1 | $-144,742 |
| Andrew R Dale | · | Sept. 10, 2021 S | 48,034 | 0 | 0 | $0 |
| Jack T Thompson | · | July 18, 2018 S | 703,511 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 31 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.15% | 44,942 SH | Sept. 11, 2026 | Daily |
| DPST · Direxion Shares ETF Trust | 0.15% | 15,293 NS | July 31, 2026 | N-PORT |
| EBIT · Harbor ETF Trust | 0.07% | 197 NS | July 31, 2026 | N-PORT |
| VTWG · VANGUARD SCOTTSDALE FUNDS | 0.06% | 14,206 SH | Aug. 19, 2026 | Daily |
| IWO · iShares Trust | 0.04% | 125,393 SH | Sept. 11, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.03% | 76,120 SH | Aug. 19, 2026 | Daily |
| IWM · iShares Trust | 0.02% | 339,199 SH | Sept. 11, 2026 | Daily |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.02% | 12,862 SH | Oct. 2, 2026 | Daily |
| RSSL · Global X Funds | 0.02% | 6,334 NS | July 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.01% | 49,636 NS | July 31, 2026 | N-PORT |
| ISCG · iShares Trust | 0.01% | 2,358 SH | Sept. 11, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.01% | 755 SH | Oct. 2, 2026 | Daily |
| VXF · VANGUARD INDEX FUNDS | 0.01% | 150,069 SH | Aug. 19, 2026 | Daily |
| VFH · VANGUARD WORLD FUND | 0.01% | 21,121 SH | Aug. 19, 2026 | Daily |
| DFAT · Dimensional ETF Trust | 0.01% | 21,642 NS | July 31, 2026 | N-PORT |
| FNCL · FIDELITY COVINGTON TRUST | 0.01% | 3,473 NS | July 31, 2026 | N-PORT |
| WSML · iShares Trust | 0.01% | 826 SH | Sept. 11, 2026 | Daily |
| DXUV · Dimensional ETF Trust | 0.00% | 484 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 35,526 NS | July 31, 2026 | N-PORT |
| TILT · FlexShares Trust | 0.00% | 1,336 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 1,544 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 716 NS | July 31, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 3,570 NS | July 31, 2026 | N-PORT |
| ITOT · iShares Trust | 0.00% | 20,490 SH | Sept. 11, 2026 | Daily |
| DFUS · Dimensional ETF Trust | 0.00% | 4,595 NS | July 31, 2026 | N-PORT |
| IWV · iShares Trust | 0.00% | 2,872 SH | Sept. 3, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 410,107 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 1,008 SH | Aug. 19, 2026 | Daily |
| DFUV · Dimensional ETF Trust | 0.00% | 105 NS | July 31, 2026 | N-PORT |
| ISCB · iShares Trust | · | 554 SH | Sept. 11, 2026 | Daily |
| ISCV · iShares Trust | · | 1,375 SH | Sept. 11, 2026 | Daily |
CCB Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 8 analysts
BUY
Median target
$51.50
+28.2%
2 25.0%
Strong Buy
5 62.5%
Buy
1 12.5%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
4 analysts · 2026-10-04Mean target $51.00 +27.0%
← Below all targets
Current price $40.17
Low$47.00
Mean$51.00
High$54.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| CCB | $1.73B | 37.4 | -6.8% | 8.7% | 9.9% | · |
| CBNK | $461M | 8.3 | 31.7% | 23.3% | 14.6% | · |
| ACNB | $501M | 13.4 | 45.1% | 19.3% | 9.1% | · |
| HIFS | · | · | · | · | · | · |
| KRNY | $611M | 16.6 | · | 20.4% | 4.8% | · |
| FBIZ | $452M | 9.1 | 9.9% | 29.8% | 14.1% | · |
| GCBC | $572M | 13.9 | 22.9% | 44.3% | 15.3% | · |
| SFST | $423M | 13.8 | 13.0% | 483.4% | 8.5% | · |
Latest News Recent headlines mentioning this company
Trading Signals Recent buy/sell signals with entry price and risk/reward ratio
No open signal right now — no card is filled, and that's honest.
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Source: SEC 10-Q filed Aug 7, 2026