Coastal Financial Corporation (CCB)
NASDAQ:CCB
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Coastal Financial
(NASDAQ:CCB)
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Rating:65Neutral
Price Target:
$73.00
▼(-12.35% Downside)
Action:Reiterated
Date:05/14/26
The score is primarily supported by strong financial quality (low leverage and strong cash generation) and positive strategic corporate developments in BaaS. These are partially offset by weak technicals (broad downtrend with bearish momentum) and a valuation that appears only moderate given a ~23.9 P/E and no dividend yield data.
Positive Factors
Conservative Balance Sheet
Coastal’s low leverage (debt-to-equity ~0.10 TTM) and materially larger equity base provide resilience to interest rate and credit shocks. The asset expansion to roughly $5.7B supports growth while conservative structure preserves capital flexibility for lending or strategic deals over the medium term.
Negative Factors
Margin Compression
Net margin has contracted substantially from earlier peaks, reflecting tighter spreads, higher funding or operating costs, or mix shifts. Sustained margin pressure materially limits return generation and constrains long-term profitability even as assets grow, requiring either higher yields or cost reductions to restore prior ROE.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative Balance Sheet
Coastal’s low leverage (debt-to-equity ~0.10 TTM) and materially larger equity base provide resilience to interest rate and credit shocks. The asset expansion to roughly $5.7B supports growth while conservative structure preserves capital flexibility for lending or strategic deals over the medium term.
Read all positive factors
Coastal Financial (CCB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.06B
Dividend YieldN/A
Average Volume (3M)113.78K
Price to Earnings (P/E)23.9
Beta (1Y)1.06
Revenue Growth-3.36%
EPS Growth-6.31%
CountryUS
Employees488
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.27
Shares Outstanding15,248,808
10 Day Avg. Volume124,458
30 Day Avg. Volume113,778
Financial Highlights & Ratios
PEG Ratio-5.37
Price to Book (P/B)3.53
Price to Sales (P/S)2.62
P/FCF Ratio7.03
Enterprise Value/Market Cap1.00
Enterprise Value/Revenue1.77
Enterprise Value/Gross Profit3.63
Enterprise Value/Ebitda15.78
Forecast
1Y Price Target
$106.25Price Target Upside27.57% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering4
EPS Forecast (FY)4.7
Revenue Forecast (FY)$604.25M
Coastal Financial Business Overview & Revenue Model
Company Description
Coastal Financial Corporation operates as the bank holding company for Coastal Community Bank that provides various banking products and services to small to medium-sized businesses, professionals, and individuals in the Puget Sound region in Wash...
How the Company Makes Money
Coastal Financial primarily makes money through (1) net interest income and (2) noninterest income. Net interest income is earned on the spread between interest and fees collected on earning assets—primarily commercial and consumer loans (and, whe...
Coastal Financial Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
84
Very Positive
Cash Flow
78
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 600.35M | 661.23M | 576.61M | 440.43M | 232.25M | 105.46M |
| Gross Profit | 293.07M | 349.04M | 175.26M | 164.79M | 132.79M | 91.90M |
| EBITDA | 67.33M | 61.24M | 61.87M | 59.46M | 52.43M | 35.96M |
| Net Income | 49.28M | 46.99M | 45.22M | 44.58M | 40.63M | 27.00M |
Balance Sheet | ||||||
| Total Assets | 5.66B | 4.74B | 4.12B | 3.75B | 3.14B | 2.64B |
| Cash, Cash Equivalents and Short-Term Investments | 52.72M | 34.27M | 452.55M | 582.63M | 439.46M | 848.49M |
| Total Debt | 52.87M | 58.00M | 53.28M | 53.86M | 52.82M | 59.19M |
| Total Liabilities | 5.16B | 4.25B | 3.68B | 3.46B | 2.90B | 2.43B |
| Stockholders Equity | 503.76M | 490.96M | 438.70M | 294.98M | 243.49M | 201.22M |
Cash Flow | ||||||
| Free Cash Flow | 251.36M | 246.15M | 249.89M | 185.29M | 64.26M | 27.25M |
| Operating Cash Flow | 258.87M | 254.58M | 259.79M | 191.54M | 67.10M | 29.85M |
| Investing Cash Flow | -634.14M | -525.65M | -608.57M | -594.01M | -987.95M | -239.64M |
| Financing Cash Flow | 1.25B | 555.52M | 318.17M | 543.46M | 449.83M | 859.84M |
Coastal Financial Technical Analysis
Negative
83.29
Price Trends
76.76
Negative
85.92
Negative
97.66
Negative
Market Momentum
-2.71
Positive
37.93
Neutral
58.07
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CCB, the sentiment is Negative. The current price of 83.29 is above the 20-day moving average (MA) of 73.26, above the 50-day MA of 76.76, and below the 200-day MA of 97.66, indicating a bearish trend. The MACD of -2.71 indicates Positive momentum. The RSI at 37.93 is Neutral, neither overbought nor oversold. The STOCH value of 58.07 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CCB.
Coastal Financial Risk Analysis
Coastal Financial disclosed 62 risk factors in its most recent earnings report. Coastal Financial reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Coastal Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | $1.75B | 6.62 | 22.34% | 0.27% | 4.92% | 14.55% | |
76 Outperform | $1.72B | 12.63 | 10.37% | 0.33% | 8.62% | 99.65% | |
76 Outperform | $1.49B | 13.73 | 14.79% | 3.37% | -0.58% | 22.18% | |
68 Neutral | $1.91B | 17.34 | 6.38% | 1.82% | -3.22% | -5.50% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $1.06B | 23.93 | 10.20% | ― | -3.36% | -6.31% | |
61 Neutral | $2.12B | 33.84 | 4.87% | ― | 12.80% | ― |
* Financial Sector Average
CCB
Coastal Financial
69.66
-16.35
-19.01%
LKFN
Lakeland Financial
59.90
3.18
5.62%
CASH
Pathward Financial
82.74
5.66
7.34%
LOB
Live Oak Bancshares
37.28
10.43
38.84%
STEL
Stellar Bancorp
37.47
11.22
42.75%
CLBK
Columbia Financial
20.36
6.16
43.38%
Coastal Financial Corporate Events
Business Operations and StrategyM&A Transactions
Coastal Financial Eyes BaaS Expansion with Evolve Assets
Positive
Apr 29, 2026
Coastal Community Bank disclosed that it has entered into a non-binding term sheet with Evolve Bank Trust to potentially acquire the assets and deposits associated with a range of Evolve’s banking-as-a-service programs. The bank plans to be...
Business Operations and StrategyFinancial Disclosures
Coastal Financial Reports Strong Q1 Growth and BaaS Expansion
Positive
Apr 29, 2026
On April 29, 2026, Coastal Financial released investor presentation materials detailing its first-quarter 2026 performance, highlighting rapid balance sheet growth and expanding BaaS partnerships. For the quarter ended March 31, 2026, total assets...
Business Operations and StrategyExecutive/Board Changes
Coastal Financial Adds Fintech Veteran Chapman to Board
Positive
Mar 12, 2026
On March 11, 2026, Coastal Financial Corporation appointed Jeffrey M. Chapman, a veteran financial technology executive with more than 25 years of experience in banking technology, digital transformation, payments, and data-driven platforms, to it...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.