Coastal Financial (CCB) AI Stock Analysis

• Market Cap: $1.58B
• Dividend Yield: N/A
• Average Volume (3M): 115.15K
• Price to Earnings (P/E): 33.7
• Beta (1Y): 0.98
• Revenue Growth: -2.11%
• EPS Growth: 6.48%
• Country: US
• Employees: 488
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.88
• Shares Outstanding: 15,109,090
• 10 Day Avg. Volume: 99,057
• 30 Day Avg. Volume: 115,146
• PEG Ratio: -85.22
• Price to Book (P/B): 2.61
• Price to Sales (P/S): 1.99
• P/FCF Ratio: 4.59
• Enterprise Value/Market Cap: 1.07
• Enterprise Value/Revenue: 3.40
• Enterprise Value/Gross Profit: 11.47
• Enterprise Value/Ebitda: 25.62
• 1Y Price Target: $127.00
• Price Target Upside: 22.74% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 3
• EPS Forecast (FY): 3.27
• Revenue Forecast (FY): $536.55M

• Rating: 67 Neutral
• Price Target: $115.00 ▲(11.14% Upside)

Coastal Financial's strong financial performance is the primary driver of its stock score, supported by efficient cost management and robust cash flow. However, technical indicators suggest potential short-term weakness, and the high P/E ratio indicates overvaluation, which could limit future stock price appreciation.

Coastal Financial Business Overview & Revenue Model

Company Description

Coastal Financial (CCB) is a regional financial institution specializing in a wide range of banking services, including personal and business banking, mortgage lending, and wealth management solutions. With a focus on serving the coastal communities, CCB provides tailored financial products designed to meet the unique needs of its customers, ranging from individual account holders to small and medium-sized enterprises. The company operates through a network of branches and digital platforms, ensuring accessible and convenient banking experiences.

How the Company Makes Money

Coastal Financial generates revenue through several key streams, primarily from interest income on loans, fees for banking services, and wealth management fees. The bank earns interest income by offering various loan products, such as personal loans, mortgages, and commercial loans, which are typically charged at higher rates than the interest paid on deposits. Additionally, CCB collects fees from account maintenance, transaction services, and other banking operations, contributing to its non-interest income. The wealth management division also plays a significant role, generating revenue through advisory fees, asset management fees, and commissions on investment products. Strategic partnerships with local businesses and community organizations enhance CCB's market presence, driving customer acquisition and retention, which in turn bolsters its overall financial performance.

Coastal Financial Financial Statement Overview

Summary

Coastal Financial exhibits strong financial health with solid profitability and a stable balance sheet. While the company faces challenges in revenue growth, its efficient cost management and strong cash flow generation provide a solid foundation for future growth. Continued focus on revenue expansion and maintaining cash flow stability will be crucial for sustaining its financial performance.

Income Statement

Coastal Financial has demonstrated strong profitability with a consistent net profit margin around 8-10% in recent years, despite a slight decline in revenue growth in the TTM period. The gross profit margin has improved to 36.2% in the TTM, indicating efficient cost management. However, the negative revenue growth rate of -3.8% in the TTM suggests challenges in maintaining revenue momentum.

Balance Sheet

The company maintains a solid balance sheet with a low debt-to-equity ratio of 0.115 in the TTM, reflecting prudent financial leverage. The return on equity is healthy at 11.3%, indicating effective use of shareholder funds. The equity ratio is stable, suggesting a strong capital base relative to assets.

Cash Flow

Coastal Financial's cash flow performance is robust, with a high operating cash flow to net income ratio of 52 in the TTM, indicating strong cash generation relative to earnings. However, the free cash flow growth rate has declined by 4.2% in the TTM, which could impact future liquidity if not addressed.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	496.06M	576.61M	440.43M	232.25M	105.46M	70.93M
Gross Profit	147.20M	175.26M	164.79M	132.79M	91.90M	56.97M
EBITDA	65.91M	61.87M	59.46M	52.43M	35.96M	20.50M
Net Income	47.72M	45.22M	44.58M	40.63M	27.00M	15.15M
Balance Sheet
Total Assets	4.55B	4.12B	3.75B	3.14B	2.64B	1.77B
Cash, Cash Equivalents and Short-Term Investments	34.96M	452.55M	582.63M	439.46M	848.49M	183.52M
Total Debt	52.95M	53.28M	53.86M	52.82M	59.19M	199.62M
Total Liabilities	4.08B	3.68B	3.46B	2.90B	2.43B	1.63B
Stockholders Equity	475.28M	438.70M	294.98M	243.49M	201.22M	140.22M
Cash Flow
Free Cash Flow	255.71M	249.89M	185.29M	64.26M	27.25M	13.96M
Operating Cash Flow	258.74M	259.79M	191.54M	67.10M	29.85M	19.33M
Investing Cash Flow	-535.34M	-608.57M	-594.01M	-987.95M	-239.64M	-666.54M
Financing Cash Flow	434.84M	318.17M	543.46M	449.83M	859.84M	622.26M

Coastal Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 103.47
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CCB, the sentiment is Positive. The current price of 103.47 is below the 20-day moving average (MA) of 105.07, below the 50-day MA of 109.18, and above the 200-day MA of 95.86, indicating a neutral trend. The MACD of -0.80 indicates Negative momentum. The RSI at 49.82 is Neutral, neither overbought nor oversold. The STOCH value of 30.55 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CCB.

Coastal Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CASH	74 Outperform	$1.54B	8.58	21.81%	0.30%	7.80%	19.38%
STEL	71 Outperform	$1.51B	14.81	6.38%	1.86%	-4.40%	-8.80%
LOB	68 Neutral	$1.44B	21.22	6.31%	0.37%	10.41%	-19.43%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CCB	67 Neutral	$1.58B	33.65	11.82%	―	-2.11%	6.48%
LKFN	63 Neutral	$1.49B	15.41	13.50%	3.48%	-2.90%	-1.47%
CLBK	53 Neutral	$1.57B	103.10	1.34%	―	-3.60%	-8.63%

Coastal Financial Corporate Events

Coastal Financial Reports Strong Q3 2025 Results

Coastal Financial Corporation released its third-quarter 2025 financial results, indicating a 4.6% increase in total loans receivable and a 1.5% rise in total deposits compared to the previous quarter. The company reported a 21.1% increase in total revenue, driven by higher credit enhancement revenue, and a 23.2% rise in net income from the last quarter. The expansion of partner programs and new product offerings, such as lines of credit and credit cards, are expected to drive future revenue growth. The company also highlighted the testing of Robinhood’s deposit program and the increase in fee-earning debit and credit cards, reflecting strong partner and customer engagement.

The most recent analyst rating on (CCB) stock is a Hold with a $112.00 price target. To see the full list of analyst forecasts on Coastal Financial stock, see the CCB Stock Forecast page.

Coastal Financial’s Chief Risk Officer Resigns

On September 29, 2025, Andrew Stines resigned from his role as Executive Vice President and Chief Risk Officer at Coastal Financial Corporation, effective October 1, 2025, to pursue other professional opportunities. His departure was amicable, with no disagreements with the company or its Board of Directors. As part of his resignation agreement, Mr. Stines will receive a $70,000 lump sum payment, and his unvested shares will be accelerated and vested.

The most recent analyst rating on (CCB) stock is a Buy with a $140.00 price target. To see the full list of analyst forecasts on Coastal Financial stock, see the CCB Stock Forecast page.

Coastal Financial Appoints New CFO Brandon Soto

On September 22, 2025, Coastal Financial Corporation announced the appointment of Brandon Soto as Executive Vice President and Chief Financial Officer, effective October 1, 2025. Soto, who previously served as CFO of Square Financial Services, brings extensive experience in financial operations and regulatory approvals. His appointment is expected to enhance Coastal’s fintech and community banking divisions, aligning with the company’s mission of serving communities and modernizing operations.

The most recent analyst rating on (CCB) stock is a Buy with a $115.00 price target. To see the full list of analyst forecasts on Coastal Financial stock, see the CCB Stock Forecast page.

Coastal Financial President Resigns for New Opportunities

On September 9, 2025, Curt T. Queyrouze resigned as President of Coastal Community Bank, effective September 12, 2025, to pursue other professional opportunities. His departure is not due to any disagreements with the company, and he will forfeit his equity awards while receiving a $155,000 lump sum payment.

The most recent analyst rating on (CCB) stock is a Buy with a $125.00 price target. To see the full list of analyst forecasts on Coastal Financial stock, see the CCB Stock Forecast page.

Coastal Financial Reports Strong Q2 2025 Results

Coastal Financial Corporation, a community-focused bank with a leading Banking as a Service (BaaS) segment, has reported its financial results for the second quarter of 2025. The company, which operates through Coastal Community Bank, is known for its innovative approach in the banking sector, particularly in the BaaS space.