tiprankstipranks
Trending News
More News >
Coastal Financial Corporation (CCB)
NASDAQ:CCB
Advertisement

Coastal Financial (CCB) AI Stock Analysis

Compare
155 Followers

Top Page

CCB

Coastal Financial

(NASDAQ:CCB)

Select Model
Select Model
Select Model
Outperform 74 (OpenAI - 4o)
Rating:74Outperform
Price Target:
$125.00
▲(8.37% Upside)
Coastal Financial's strong financial performance and positive technical indicators are the primary drivers of its stock score. However, the high valuation and lack of dividend yield present potential risks. The absence of earnings call data and corporate events limits additional insights.

Coastal Financial (CCB) vs. SPDR S&P 500 ETF (SPY)

Coastal Financial Business Overview & Revenue Model

Company DescriptionCoastal 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 Washington. It accepts a range of deposit products, including demand and savings accounts, time deposits, and money market accounts. The company offers commercial and industrial loans, including term loans, small business administration loans, commercial lines of credit, working capital loans, equipment financing, borrowing base loans, and other loan products; owner-occupied and non-owner-occupied real estate loans, and multi-family residential loans; construction and land development loans; residential real estate loans; and consumer and other loans, including automobile, boat and recreational vehicle, and secured term loans, as well as overdraft protection. It also provides remote deposit capture, online and mobile banking, and direct and reciprocal deposit services, as well as debit cards. In addition, the company offers business accounts and cash management services, including business checking and savings accounts, and treasury services, as well as banking as a service (BaaS), a platform that allows broker dealers and digital financial service providers to offer their clients banking services. It operates 14 full-service banking locations. Coastal Financial Corporation was founded in 1997 and is headquartered in Everett, Washington.
How the Company Makes MoneyCoastal 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.
Income Statement
75
Positive
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
80
Positive
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
70
Positive
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.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue537.49M576.61M440.43M232.25M105.46M70.93M
Gross Profit194.50M175.26M164.79M132.79M91.90M56.97M
EBITDA65.55M61.87M59.46M52.43M35.96M20.50M
Net Income47.58M45.22M44.58M40.63M27.00M15.15M
Balance Sheet
Total Assets4.48B4.12B3.75B3.14B2.64B1.77B
Cash, Cash Equivalents and Short-Term Investments719.79M452.55M582.63M439.46M848.49M183.52M
Total Debt53.02M53.28M53.86M52.82M59.19M199.62M
Total Liabilities4.02B3.68B3.46B2.90B2.43B1.63B
Stockholders Equity461.71M438.70M294.98M243.49M201.22M140.22M
Cash Flow
Free Cash Flow252.72M249.89M185.29M64.26M27.25M13.96M
Operating Cash Flow263.06M259.79M191.54M67.10M29.85M19.33M
Investing Cash Flow-491.01M-608.57M-594.01M-987.95M-239.64M-666.54M
Financing Cash Flow460.47M318.17M543.46M449.83M859.84M622.26M

Coastal Financial Technical Analysis

Technical Analysis Sentiment
Positive
Last Price115.35
Price Trends
50DMA
106.50
Positive
100DMA
98.56
Positive
200DMA
92.04
Positive
Market Momentum
MACD
2.19
Negative
RSI
59.92
Neutral
STOCH
83.40
Negative
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 115.35 is above the 20-day moving average (MA) of 112.67, above the 50-day MA of 106.50, and above the 200-day MA of 92.04, indicating a bullish trend. The MACD of 2.19 indicates Negative momentum. The RSI at 59.92 is Neutral, neither overbought nor oversold. The STOCH value of 83.40 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CCB.

Coastal Financial Risk Analysis

Coastal Financial disclosed 57 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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
76
Outperform
1.46B13.289.41%3.02%1.15%-0.39%
74
Outperform
$1.74B35.3012.23%9.22%18.60%
71
Outperform
1.40B30.691.88%5.17%-12.55%-59.97%
70
Outperform
1.85B15.997.03%3.15%-1.28%32.40%
69
Neutral
1.26B10.3313.76%3.62%-10.55%-16.51%
67
Neutral
1.26B118.471.49%2.02%-60.54%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
CCB
Coastal Financial
115.35
63.03
120.47%
LKFN
Lakeland Financial
64.44
2.14
3.43%
CASH
Pathward Financial
75.17
10.77
16.72%
LOB
Live Oak Bancshares
36.40
-9.63
-20.92%
STEL
Stellar Bancorp
30.32
5.20
20.70%
CLBK
Columbia Financial
15.46
-1.46
-8.63%

Coastal Financial Corporate Events

Business Operations and Strategy
Coastal Financial Releases Investor Meeting Materials
Neutral
Jul 29, 2025

On July 29, 2025, Coastal Financial Corporation released presentation materials for upcoming investor meetings, which are available on their website. These materials are intended to provide insights into the company’s strategies and performance, potentially impacting investor perceptions and stakeholder decisions.

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.Date of analysis: Sep 09, 2025