Coastal Financial (CCB) AI Stock Analysis

• Market Cap: $1.69B
• Dividend Yield: N/A
• Average Volume (3M): 109.83K
• Price to Earnings (P/E): 35.3
• Beta (1Y): 0.99
• 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: 15,121,263
• 10 Day Avg. Volume: 123,886
• 30 Day Avg. Volume: 109,832
• 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: 1.00
• Enterprise Value/Revenue: 3.20
• Enterprise Value/Gross Profit: 8.43
• Enterprise Value/Ebitda: 25.01
• 1Y Price Target: $127.50
• Price Target Upside: 23.22% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): 3.27
• Revenue Forecast (FY): $536.55M

• Rating: 66 Neutral
• Price Target: $119.00 ▲(15.01% Upside)

Coastal Financial's overall stock score is driven primarily by its solid financial performance, characterized by strong profitability and a stable balance sheet. However, technical analysis indicates mixed signals, and the stock's high P/E ratio suggests it may be overvalued, which tempers the overall score.

Positive Factors

Balance Sheet Health

A low debt-to-equity ratio indicates prudent financial management, providing stability and flexibility for future growth initiatives.

Cash Generation Ability

Strong cash generation relative to net income ensures liquidity and the ability to reinvest in the business, supporting long-term sustainability.

Profitability

Consistent profitability reflects effective cost management and pricing power, crucial for enduring competitive advantage in the banking sector.

Negative Factors

Revenue Growth Decline

A decline in revenue growth can signal challenges in market expansion or product demand, potentially impacting long-term growth prospects.

Free Cash Flow Decline

Declining free cash flow may limit the company's ability to fund new projects or return capital to shareholders, affecting future financial flexibility.

Revenue Growth Trends

Sustained declines in revenue and cash flow can undermine financial stability and hinder the company's capacity to invest in growth opportunities.

Coastal Financial Business Overview & Revenue Model

Company Description

Coastal Financial (CCB) is a regional financial institution dedicated to providing a comprehensive range of banking and financial services to individuals and businesses along the U.S. coastline. With a focus on personal banking, commercial banking, and mortgage lending, CCB aims to foster economic growth in coastal communities by offering tailored financial solutions, investment advice, and wealth management services. The company emphasizes customer service and community engagement, positioning itself as a trusted partner in financial matters.

How the Company Makes Money

Coastal Financial generates revenue primarily through interest income from loans and mortgages, fees from account services, and investment management services. The bank earns interest on various loan products, including personal loans, business loans, and mortgages, which are typically higher than the interest paid on customer deposits. Additionally, CCB collects fees for services such as account maintenance, ATM usage, and overdraft protection. Revenue is also supplemented through investment advisory services, where the bank offers wealth management and financial planning to clients, earning fees based on assets under management. Strategic partnerships with local businesses and community organizations enhance customer acquisition and retention, further contributing to the bank's profitability.

Coastal Financial Financial Statement Overview

Summary

Coastal Financial demonstrates a solid financial foundation with strong profitability and a stable balance sheet. Despite concerns about recent revenue and free cash flow declines, the company's ability to maintain healthy margins and manage debt effectively positions it well for future growth.

Income Statement

Coastal Financial's income statement shows a mixed performance. The TTM data indicates a slight decline in revenue growth at -1.79%, which is a concern. However, the company maintains healthy profitability with a net profit margin of 9.62% and an EBIT margin of 12.35%. The gross profit margin is stable at 29.67%. Despite the recent revenue dip, the company has shown resilience in maintaining its margins.

Balance Sheet

The balance sheet of Coastal Financial is strong, with a low debt-to-equity ratio of 0.11, indicating prudent financial management. The return on equity is solid at 10.46%, reflecting efficient use of equity capital. The equity ratio stands at 10.44%, suggesting a stable financial position with adequate equity backing.

Cash Flow

Cash flow analysis reveals some challenges, with a negative free cash flow growth rate of -1.39% in the TTM period. However, the operating cash flow to net income ratio is robust at 52.21, indicating strong cash generation relative to net income. The free cash flow to net income ratio is nearly 1, showing effective conversion of income into cash.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	527.87M	576.61M	440.43M	232.25M	105.46M	70.93M
Gross Profit	200.31M	175.26M	164.79M	132.79M	91.90M	56.97M
EBITDA	67.51M	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	642.29M	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	249.20M	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: Positive
• 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 105.43, below the 50-day MA of 107.57, and above the 200-day MA of 97.01, indicating a bullish trend. The MACD of -0.08 indicates Negative momentum. The RSI at 60.13 is Neutral, neither overbought nor oversold. The STOCH value of 77.12 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	$1.60B	9.08	21.81%	0.30%	7.80%	19.38%
STEL	71 Outperform	$1.51B	14.81	6.38%	1.86%	-4.40%	-8.80%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CCB	66 Neutral	$1.69B	35.32	11.82%	―	-2.11%	6.48%
LOB	66 Neutral	$1.47B	21.57	6.31%	0.40%	10.41%	-19.43%
LKFN	63 Neutral	$1.50B	15.52	13.50%	3.41%	-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.