Coastal Financial (CCB) AI Stock Analysis

• Market Cap: $1.34B
• Dividend Yield: N/A
• Average Volume (3M): 113.78K
• Price to Earnings (P/E): 29.2
• Beta (1Y): 1.03
• 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: 15,121,263
• 10 Day Avg. Volume: 124,458
• 30 Day Avg. Volume: 113,778
• 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: 0.98
• Enterprise Value/Revenue: 2.49
• Enterprise Value/Gross Profit: 6.56
• Enterprise Value/Ebitda: 19.46
• 1Y Price Target: $135.00
• Price Target Upside: 52.03% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 62 Neutral
• Price Target: $107.00 ▲(20.50% Upside)

The score is driven primarily by solid financial performance (strong balance sheet and healthy margins) but is weighed down by weak technicals (price below key moving averages with bearish momentum) and a relatively high P/E valuation without a stated dividend yield to offset it.

Positive Factors

Strong balance sheet and capital efficiency

A low debt-to-equity ratio and mid-teens ROE indicate conservative leverage and efficient equity use. This durable capital strength supports lending capacity, risk absorption through cycles, and strategic optionality for growth or acquisitions without jeopardizing solvency over the next several quarters.

Consistent deposit and loan growth

Sequential loan and deposit growth demonstrates sustained customer acquisition and funding stability. Durable deposit inflows reduce reliance on wholesale funding, support net interest income, and provide a stable base to scale lending and BaaS products over the medium term.

Growing BaaS (CCBX) franchise and digital scale

Rapid expansion of the CCBX platform and fee-earning card volumes builds recurring, noninterest revenue and partner stickiness. Scaling BaaS increases cross-sell opportunities, spreads fixed tech costs, and creates structural diversification from traditional interest income over multiple quarters.

Negative Factors

Negative recent revenue trend

A persistent small decline in revenue signals pressure in core income drivers. If the trend continues, it can erode operating leverage, force margin compression, and limit reinvestment capacity; reversing it requires sustained growth in lending or fee businesses.

Free cash flow growth deterioration

Negative FCF growth reduces internal funding for strategic initiatives, dividends, or balance sheet expansion. Over months, weaker FCF hampers the bank's ability to invest in technology or absorb credit stress without upticks in external funding or capital measures.

Reliance on loan sales and off-balance-sheet funding

Significant loan sales and off-balance deposit sweeps can boost short-term revenue but reduce on-balance-sheet interest margin and visibility into future net interest income. Long term, heavy reliance on these techniques may limit sustainable earnings and increase operational dependence on partners.

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 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 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

Overall fundamentals are solid: strong balance sheet (low debt-to-equity of 0.11 and ROE of 10.46%) supports stability, while profitability is healthy (net margin 9.62%, EBIT margin 12.35%). Offsetting this, TTM revenue growth is slightly negative (-1.79%) and free cash flow growth is also negative (-1.39%), keeping the score from being higher.

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: Negative
• Last Price: 88.80
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• STOCH: Positive

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 88.8 is below the 20-day moving average (MA) of 107.71, below the 50-day MA of 111.29, and below the 200-day MA of 102.68, indicating a bearish trend. The MACD of -5.49 indicates Positive momentum. The RSI at 25.28 is Positive, neither overbought nor oversold. The STOCH value of 10.03 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CCB.

Coastal Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CASH	80 Outperform	$2.03B	11.09	23.62%	0.27%	7.80%	19.38%
LKFN	77 Outperform	$1.60B	15.45	13.50%	3.37%	-2.90%	-1.47%
STEL	73 Outperform	$1.96B	19.08	6.38%	1.82%	-4.40%	-8.80%
LOB	72 Outperform	$1.91B	18.24	6.31%	0.33%	10.41%	-19.43%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CLBK	66 Neutral	$1.91B	36.20	1.34%	―	-3.60%	-8.63%
CCB	62 Neutral	$1.34B	29.18	11.82%	―	-2.11%	6.48%

Coastal Financial Corporate Events

Coastal Financial Highlights Growth and AI-Focused Expansion

On January 29, 2026, Coastal Financial Corporation released investor presentation materials detailing its financial and operational performance for the quarter ended December 31, 2025, highlighted by continued loan and deposit growth, technology investments, and expansion of its BaaS-driven CCBX platform. In the fourth quarter of 2025, total loans receivable rose 1.2% to $3.75 billion and deposits increased 4.3% to $4.14 billion, while core net revenue grew 6.8% despite a 4.6% decline in total revenue tied to lower credit enhancement revenue and higher noninterest expense that pressured diluted EPS to $0.82 and ROA to 1.09%. The company sold $2.98 billion of loans, swept $843.6 million of deposits off balance sheet for insurance and liquidity income, and acquired the GreenFi climate-focused brand to strengthen its strategic optionality. Coastal also reported strong growth in its CCBX franchise, with deposits in that segment up $182.9 million, off-balance-sheet credit card accounts climbing 39% quarter over quarter to 550,977, and fee-earning CCBX debit cards increasing to 8.7 million, while advancing multiple artificial intelligence initiatives and outlining a defined AI roadmap to improve efficiency, risk management, and customer experience and to support future digital asset and digital deposit offerings.

The most recent analyst rating on (CCB) stock is a Hold with a $124.00 price target. To see the full list of analyst forecasts on Coastal Financial stock, see the CCB Stock Forecast page.