Coastal Financial (CCB) AI Stock Analysis

• Market Cap: $1.25B
• Dividend Yield: N/A
• Average Volume (3M): 113.78K
• Price to Earnings (P/E): 36.8
• Beta (1Y): 1.11
• Revenue Growth: -2.11%
• EPS Growth: 6.48%
• Country: US
• Employees: 488
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.82
• Shares Outstanding: 15,208,963
• 10 Day Avg. Volume: 124,458
• 30 Day Avg. Volume: 113,778
• PEG Ratio: -5.37
• Price to Book (P/B): 3.53
• Price to Sales (P/S): 2.62
• P/FCF Ratio: 7.03
• Enterprise Value/Market Cap: 1.02
• Enterprise Value/Revenue: 2.29
• Enterprise Value/Gross Profit: 5.21
• Enterprise Value/Ebitda: 19.26
• 1Y Price Target: $135.00
• Price Target Upside: 64.43% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): 5.28
• Revenue Forecast (FY): $617.04M

• Rating: 61 Neutral
• Price Target: $82.00 ▼(-0.12% Downside)
• Action: Reiterated Date: 03/13/26
• Date: Action: Reiterated 03/13/26

The score is led by solid underlying financial strength (growth and improved capitalization) but is held back by the sharp 2025 cash flow deterioration and clearly bearish technical trend. Valuation is also a modest headwind due to the elevated P/E, partially offset by positive recent corporate developments.

Positive Factors

Conservative Balance Sheet

A materially lower debt-to-equity and meaningful equity growth improve capital resilience and regulatory flexibility. That conservative leverage reduces refinancing risk, supports lending capacity and loss-absorbing ability, and underpins durable stability through economic cycles.

Negative Factors

Cash Flow Deterioration

A swing to slightly negative operating and free cash flow signals weaker cash conversion and raises quality-of-earnings concerns. Persistent or recurring cash deficits would constrain internal funding for loan growth, tech investment, and capital returns, increasing reliance on external financing.

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...

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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...

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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

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	661.23M	576.61M	440.43M	232.25M	105.46M
Gross Profit	349.04M	175.26M	164.79M	132.79M	91.90M
EBITDA	61.24M	61.87M	59.46M	52.43M	35.96M
Net Income	46.99M	45.22M	44.58M	40.63M	27.00M
Balance Sheet
Total Assets	4.74B	4.12B	3.75B	3.14B	2.64B
Cash, Cash Equivalents and Short-Term Investments	34.27M	452.55M	582.63M	439.46M	848.49M
Total Debt	58.00M	53.28M	53.86M	52.82M	59.19M
Total Liabilities	4.25B	3.68B	3.46B	2.90B	2.43B
Stockholders Equity	490.96M	438.70M	294.98M	243.49M	201.22M
Cash Flow
Free Cash Flow	246.15M	249.89M	185.29M	64.26M	27.25M
Operating Cash Flow	254.58M	259.79M	191.54M	67.10M	29.85M
Investing Cash Flow	-525.65M	-608.57M	-594.01M	-987.95M	-239.64M
Financing Cash Flow	555.52M	318.17M	543.46M	449.83M	859.84M

Coastal Financial Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 82.10
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CCB, the sentiment is Neutral. The current price of 82.1 is above the 20-day moving average (MA) of 77.08, above the 50-day MA of 81.25, and below the 200-day MA of 101.18, indicating a neutral trend. The MACD of -0.43 indicates Negative momentum. The RSI at 60.01 is Neutral, neither overbought nor oversold. The STOCH value of 89.58 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for CCB.

Coastal Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CASH	82 Outperform	$2.07B	11.28	22.83%	0.27%	7.80%	19.38%
STEL	73 Outperform	$1.90B	15.57	6.38%	1.82%	-4.40%	-8.80%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
LOB	65 Neutral	$1.69B	15.19	6.31%	0.33%	10.41%	-19.43%
LKFN	63 Neutral	$1.54B	14.15	13.50%	3.37%	-2.90%	-1.47%
CCB	61 Neutral	$1.25B	36.84	10.01%	―	-2.11%	6.48%
CLBK	55 Neutral	$1.89B	30.45	1.34%	―	-3.60%	-8.63%

Coastal Financial Corporate Events