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Coastal Financial
(NASDAQ:CCB)
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Rating:65Neutral
Price Target:
$84.00
▲(0.85% Upside)
Action:Reiterated
Date:05/30/26
The score is driven primarily by healthy financial strength (conservative leverage and strong cash generation) and positive strategic/corporate developments in BaaS, offset by weak technical momentum (price below key moving averages with negative MACD/low RSI) and only middling valuation support at a ~21.6 P/E.
Positive Factors
Conservative balance sheet
Low leverage and materially higher equity position give the bank durable financial flexibility. With debt-to-equity near 0.10 and assets expanded to support growth, Coastal can absorb shocks, fund BaaS growth or targeted acquisitions, and face regulatory capital scrutiny from a position of strength.
Negative Factors
Profitability compression
Substantial margin decline versus recent years suggests structural pressure on spreads or rising operating costs. Persistently lower net margins can reduce return on equity and limit reinvestment or capital return capacity, making durable earnings growth harder unless margins stabilize or reverse.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
Low leverage and materially higher equity position give the bank durable financial flexibility. With debt-to-equity near 0.10 and assets expanded to support growth, Coastal can absorb shocks, fund BaaS growth or targeted acquisitions, and face regulatory capital scrutiny from a position of strength.
Read all positive factors
Coastal Financial (CCB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.20B
Dividend YieldN/A
Average Volume (3M)113.78K
Price to Earnings (P/E)23.9
Beta (1Y)1.05
Revenue Growth-3.36%
EPS Growth-6.31%
CountryUS
Employees488
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.27
Shares Outstanding15,248,808
10 Day Avg. Volume124,458
30 Day Avg. Volume113,778
Financial Highlights & Ratios
PEG Ratio-5.35
Price to Book (P/B)3.53
Price to Sales (P/S)2.62
P/FCF Ratio7.03
Enterprise Value/Market Cap0.90
Enterprise Value/Revenue1.79
Enterprise Value/Gross Profit3.66
Enterprise Value/Ebitda15.17
Forecast
1Y Price Target
$106.25Price Target Upside27.57% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering4
EPS Forecast (FY)4.47
Revenue Forecast (FY)$609.34M
Coastal Financial Business Overview & Revenue Model
Company Description
Coastal Financial Corporation functions as the parent company for Coastal Community Bank, providing a comprehensive suite of banking products and services. Its clientele includes small and medium-sized businesses, professionals, and individuals ac...
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 interest from loans and other interest-earning assets (e.g., investment securities and interest-bearing balances) ...
Coastal Financial Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
84
Very Positive
Cash Flow
78
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 600.35M | 661.23M | 576.61M | 440.43M | 232.25M | 105.46M |
| Gross Profit | 293.07M | 349.04M | 175.26M | 164.79M | 132.79M | 91.90M |
| EBITDA | 70.69M | 67.76M | 61.87M | 59.46M | 52.43M | 35.96M |
| Net Income | 49.28M | 46.99M | 45.22M | 44.58M | 40.63M | 27.00M |
Balance Sheet | ||||||
| Total Assets | 5.66B | 4.74B | 4.12B | 3.75B | 3.14B | 2.64B |
| Cash, Cash Equivalents and Short-Term Investments | 52.72M | 34.27M | 452.55M | 582.63M | 439.46M | 848.49M |
| Total Debt | 52.87M | 58.00M | 53.28M | 53.86M | 52.82M | 59.19M |
| Total Liabilities | 5.16B | 4.25B | 3.68B | 3.46B | 2.90B | 2.43B |
| Stockholders Equity | 503.76M | 490.96M | 438.70M | 294.98M | 243.49M | 201.22M |
Cash Flow | ||||||
| Free Cash Flow | 251.36M | 246.15M | 249.89M | 185.29M | 64.26M | 27.25M |
| Operating Cash Flow | 258.87M | 254.58M | 259.79M | 191.54M | 67.10M | 29.85M |
| Investing Cash Flow | -634.14M | -525.65M | -608.57M | -594.01M | -987.95M | -239.64M |
| Financing Cash Flow | 1.25B | 555.52M | 318.17M | 543.46M | 449.83M | 859.84M |
Coastal Financial Technical Analysis
Positive
83.29
Price Trends
73.02
Positive
76.15
Positive
91.95
Negative
Market Momentum
1.63
Negative
60.16
Neutral
47.49
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 83.29 is above the 20-day moving average (MA) of 75.39, above the 50-day MA of 73.02, and below the 200-day MA of 91.95, indicating a neutral trend. The MACD of 1.63 indicates Negative momentum. The RSI at 60.16 is Neutral, neither overbought nor oversold. The STOCH value of 47.49 is Neutral, 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 62 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $1.93B | 15.76 | 10.37% | 0.33% | 8.62% | 99.65% | |
76 Outperform | $1.90B | 10.65 | 22.34% | 0.27% | 4.92% | 14.55% | |
76 Outperform | $1.50B | 14.04 | 14.79% | 3.37% | -0.58% | 22.18% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $1.20B | 23.94 | 10.20% | ― | -3.36% | -6.31% | |
61 Neutral | $2.21B | 38.55 | 4.87% | ― | 12.80% | ― |
* Financial Sector Average
CCB
Coastal Financial
78.47
-23.93
-23.37%
LKFN
Lakeland Financial
60.40
-3.89
-6.05%
CASH
Pathward Financial
90.23
6.82
8.18%
LOB
Live Oak Bancshares
41.65
9.27
28.62%
CLBK
Columbia Financial
21.25
6.22
41.38%
Coastal Financial Corporate Events
Executive/Board ChangesShareholder Meetings
Coastal Financial Shareholders Approve Directors and Governance Matters
Positive
May 29, 2026
Coastal Financial Corporation held its 2026 annual meeting of shareholders on May 27, 2026, with approximately 91% of the voting power represented, constituting a quorum for business. Shareholders elected Rilla R. Delorier, Steven D. Hovde, Michae...
Business Operations and StrategyM&A Transactions
Coastal Financial Eyes BaaS Expansion with Evolve Assets
Positive
Apr 29, 2026
Coastal Community Bank disclosed that it has entered into a non-binding term sheet with Evolve Bank Trust to potentially acquire the assets and deposits associated with a range of Evolve’s banking-as-a-service programs. The bank plans to be...
Business Operations and StrategyFinancial Disclosures
Coastal Financial Reports Strong Q1 Growth and BaaS Expansion
Positive
Apr 29, 2026
On April 29, 2026, Coastal Financial released investor presentation materials detailing its first-quarter 2026 performance, highlighting rapid balance sheet growth and expanding BaaS partnerships. For the quarter ended March 31, 2026, total assets...
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.