Coastal Financial Corporation CCB

44.82 1.20 2.75% as of 25 Sep
Market cap
$669.7M
P/E
0.0×
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 1.12
Total sells 8.07
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — 3 —
Sell — — 3 6 2 1 — 2 1 — — —
Insider Ownership 14.85%

Capital & Financial Ratios

Market Cap 669.67
Revenue 727.37
Net Income (3.85)
Free Cash Flow 259.68
Net Debt (960.34)
Current Ratio 1.06
Debt/Equity 0.10
P/E ratio 0.00
P/S ratio 0.94
P/B ratio 1.47
Past 5Y EPS Growth 24.66%
This Y EPS Growth (56.14%)
Next Y EPS Growth 341.93%
Next 5Y EPS Growth 27.22%
in millions of $

Dividends

Payout Ratio 0.00
Annual Dividend Rate —
Annual Dividend Yield —
total individual payouts
2024 Powerpack
2023 Powerpack
2022 Powerpack
2021 Powerpack
2020 Powerpack
2019 Powerpack
2017 Powerpack
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 483 453 737 1,008
Receivables — — — —
Inventory — — — —
Other — — — —
3,420 3,818 4,430 5,160
2023 2024 2025 Q'26
Payables 3,360 3,585 4,144 4,862
ST’ Debt — — — —
Other — — — —
3,361 3,586 4,146 4,864
in millions of $

Compound Annual Growth

10y 5y 3y
Sales — 56.15% 28.02%
Cash Flow — 67.46% 55.97%
Earnings — 25.41% 4.97%
Book Value — 28.48% 26.33%

Revenue

Mar Jun Sep Dec Year
’26 178 207 — — —
’25 168 150 176 167 661
’24 178 167 184 177 705
’23 119 142 123 143 527
’22 52 67 90 106 315
’21 21 24 26 40 111
’20 16 17 18 20 71
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 76 77 — — —
’25 72 66 59 58 255
’24 57 72 63 68 260
’23 47 34 65 45 192
’22 8 13 21 25 67
’21 8 2 12 7 30
’20 5 3 5 6 19
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 74 75 — — —
’25 69 64 57 54 244
’24 55 69 60 65 250
’23 46 33 63 43 185
’22 7 12 21 25 64
’21 8 1 12 6 27
’20 4 0 4 6 14
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 0.78 (2.76) — — —
’25 0.63 0.71 0.88 0.82 3.11
’24 0.50 0.84 0.97 0.94 3.25
’23 0.91 0.95 0.75 0.66 3.27
’22 0.46 0.76 0.82 0.96 3.01
’21 0.49 0.56 0.54 0.57 2.16
’20 0.22 0.30 0.34 0.38 1.24
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

1.3
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
— — 11.85 12.54 8.41 19.61 35.61 29.91 35.67 76.11

Analyst estimates 2026–2028

Powerpack
Low Price
— — 18.90 18.59 23.53 54.41 54.53 48.50 87.10 120.05
High Price
— 159 183 195 250 377 448 507 488 483
Employees
0 0 0 0 0 0 1 1 1 1
Revenue/Emp
33 36 44 57 71 111 315 527 705 661
Revenue
92.45% 92.07% 91.12% 88.43% 92.06% 96.72% 93.53% 82.62% 82.45% 81.92%
Gross Margin
7 10 12 17 19 34 51 57 57 61
EBT
22.30% 27.82% 27.69% 29.31% 26.88% 30.91% 16.06% 10.83% 8.13% 9.26%
EBT Margin
5 5 10 13 15 27 41 45 45 47
Net Income
1 1 1 1 1 2 2 2 5 7
Depreciation
3.63 3.93 4.23 4.78 5.97 9.25 24.33 39.76 52.19 43.93
Revenue/Sh
0.54 0.59 0.93 1.11 1.27 2.25 3.14 3.36 3.34 3.11
Earnings/Sh
0.77 0.82 1.38 1.15 1.62 2.48 5.18 14.44 19.23 16.91
Cash Flow/Sh
(0.10) (0.11) (0.11) (0.10) (0.45) (0.22) (0.22) (0.47) (0.73) (0.72)
Capex/Sh
0.67 0.71 1.27 1.05 1.17 2.27 4.96 13.97 18.50 16.20
Free CF/Sh
6.50 7.12 10.45 10.44 11.76 16.74 18.80 22.24 32.48 32.62
Book Value/Sh
9 9 10 12 12 12 13 13 14 15
Shares
3.64 68.33 16.39 14.71 16.54 22.50 14.76 13.03 25.42 36.73
PE Ratio
0.00 3.88 3.60 3.45 3.52 5.47 1.91 1.10 1.63 2.61
PS Ratio
0.00 2.19 1.46 1.58 1.79 3.02 2.47 1.97 2.61 3.51
PB Ratio
0.00 2.40 1.51 1.61 1.77 (1.36) 0.97 0.28 1.05 1.57
EV/Sales
0.00 11.89 5.04 7.36 9.01 (5.57) 4.76 0.78 2.97 4.25
EV/FCF
7 8 14 14 19 30 67 192 260 255
Op' Cash Flow
(1) (1) (1) (1) (5) (3) (3) (6) (10) (11)
Capex
6 7 13 12 14 27 64 185 250 244
FCF
28 37 83 90 278 172 105 59 232 284
Working Cap'
29 34 34 24 39 53 48 48 48 48
Total Debt
(58) (56) (92) (104) (125) (760) (295) (435) (405) (689)
Net Debt
60 66 109 124 140 201 243 295 439 491
Sh' Equity
0.65% 0.70% 1.10% 1.27% 1.05% 1.23% 1.41% 1.29% 1.15% 1.06%
ROA
324.78% 66.45% 45.22% 52.28% 76.31% 0.00% 0.00% 0.00% 105.13% 0.00%
ROIC
7.95% 8.66% 11.10% 11.32% 11.46% 15.82% 18.27% 16.56% 12.33% 10.11%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Coastal Financial Corporation (CCB) key facts

  • Coastal Financial Corporation (CCB) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • Coastal Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $661.2 million, down 6.21% from fiscal 2024.
  • Net income was $47.0 million, or $3.11 per share (basic), a net margin of 7.11%.
  • As of September 25, 2026, CCB traded at $44.82, a market capitalization of $669.7 million.
  • Return on equity was 10.1% and debt-to-equity 0.10.

Source: company filings (standardised) and stockrow calculations.

Coastal Financial Corporation (CCB) Latest News

News by impact score

Fine-tune

24 Sep

3

Coastal Financial Corp. (CCB) has fallen 42.7% over the past six months to about $44 a share, pressured by softer quarterly results and questions about its near-term trajectory. The bank holding company combines traditional lending with Banking-as-a-Service in the Pacific Northwest. Two positives stand out: net interest income has grown about 37% annually over five years, aided by a higher net interest margin even as the loan book shrank; and Wall Street expects an improved efficiency ratio around 53.1% over the next 12 months, down from 59.1%. The caution: trailing EPS has declined about 16.7% per year during the last five years while revenue rose around 44%, signaling weaker profitability per share despite top-line growth. The stock trades around 1.4x forward P/B. A full research report is offered, noting significant potential but open questions. NII growth and a path to lower expenses suggest upside, but persistent EPS decline and a sharp stock drop limit the near-term impact.

2 Aug

3

Coastal Financial Corporation posted a Q2 loss and executed board changes, leaving its prior undervalued status open to reassessment. Q2 loss and board changes affect reported earnings and governance but stop short of redefining competitive position.

30 Jul

4

Coastal Financial Corp reported record net interest income and CCBX growth in its Q2 2026 earnings call. Record NII and CCBX growth signals major positive shifts in financial performance and growth trajectory.

3

Coastal Financial Corporation's Q2 earnings call covered loan and deposit growth, net interest margin trends, credit quality metrics, and management outlook on expansion and interest rate environment. Quarterly earnings figures and forward guidance directly inform near-term valuation and trading activity for CCB shares.

3

Coastal Financial Corporation released second quarter 2026 financial results. Quarterly results directly inform financial performance metrics and near-term investor views.

29 Jul

3

Coastal Financial (CCB) will report Q2 earnings results tomorrow. Q2 earnings release may affect short-term stock movement but is unlikely to alter long-term trajectory.

24 Jul

3

Coastal Financial Corporation (CCB) questions its shift toward fintech partnerships at potential expense of internal stability in banking platform. Strategic priority questions around CCB operations may moderately sway market views on company trajectory.

16 Jul

3

Coastal Financial Corporation (CCB) is named as the single cash-heavy stock recommended for purchase while two unnamed stocks are rejected. Buy-list inclusion can lift near-term investor interest and share-price sentiment for CCB without altering fundamentals.

9 Jun

3

Dave begins funding ExtraCash originations through Coastal Community Bank. New funding channel with Dave expands CCB loan originations and revenue potential.

4 Jun

3

Coastal Financial Corporation (CCB) stands out among Russell 2000 stocks for its exciting growth potential while two peers are flagged to avoid due to weaker prospects. Positive spotlight on CCB's potential can lift near-term investor sentiment and trading activity without altering fundamentals.

3 Jun

3

Coastal Financial (CCB) Q1 earnings examined against other regional bank stocks. Q1 earnings review in peer context moderately shapes CCB performance outlook.

15 May

3

Fed signals no rate cuts expected in 2026. Coastal Financial Corporation (CCB) undergoes valuation reassessment as higher rates persist. Persistent higher rates through 2026 may pressure CCB net interest margins and trigger valuation adjustments.

29 Apr

4

Coastal Financial Corporation announced first quarter 2026 results. Quarterly earnings announcements drive significant shifts in stock price, investor sentiment, and future performance projections for financial firms.

3

Coastal Financial (NASDAQ:CCB) beat revenue expectations in Q1 CY2026, but shares dropped 12.5%. Q1 revenue beat triggered a 12.5% stock drop, reflecting moderate impact on market sentiment and financial perception.

28 Apr

3

Coastal Financial Corporation (CCB) will report Q1 results soon, with Wall Street expecting earnings growth. Upcoming Q1 earnings report with expected growth can moderately influence financial performance and market sentiment.

15 Apr

3

Coastal Financial Corporation (CCB) stocks are estimated below fair value for April 2026. Undervaluation estimate for CCB signals moderate positive impact on investor sentiment and stock trajectory.

13 Feb

3

Coastal Financial Corporation (CCB) is identified as one of three stocks potentially trading up to 42.2% below their estimated intrinsic value. This valuation suggests that CCB may be undervalued in the market, presenting a possible investment opportunity for investors looking for stocks with significant upside potential. The analysis highlights the importance of intrinsic value assessments in making informed investment decisions. CCB's potential undervaluation may moderately influence investor sentiment and financial performance.

3

Coastal Financial Corporation (CCB) is highlighted as one of three stocks priced below their estimated value in February 2026. The analysis suggests that CCB, along with two other companies, presents a potential investment opportunity due to its undervaluation in the current market. Investors are encouraged to consider these stocks for their portfolios as they may offer significant upside potential. CCB's undervaluation may moderately influence investor sentiment and financial performance.

11 Feb

4

Coastal Financial Corporation (CCB) is highlighted as a strong long-term investment option, emphasizing its solid fundamentals and growth potential. The article contrasts CCB with two other bank stocks that are deemed less favorable for investment. Factors contributing to CCB's positive outlook include its strategic positioning and financial performance, which are expected to yield consistent returns over time. CCB's strong fundamentals and growth potential indicate a significant impact on its future performance and investor sentiment.

8 Feb

3

Coastal Financial Corporation (CCB) is highlighted among three market-beating stocks worth further research. The article emphasizes CCB's strong financial performance, growth potential, and strategic positioning within the financial sector, suggesting it could be a valuable addition to investors' portfolios. Investors are encouraged to consider the company's fundamentals and market trends as they evaluate potential investment opportunities. CCB's growth potential and strategic positioning may moderately influence its financial performance and market sentiment.

2 Feb

3

Coastal Financial Corporation (CCB) has experienced recent share price weakness, prompting discussions about whether it is time to reassess the company's future prospects. Analysts are evaluating the factors contributing to this decline and considering the potential implications for CCB's market performance and strategic direction. Recent share price weakness may affect investor sentiment and financial performance but is not expected to fundamentally alter the company's trajectory.

3

Coastal Financial Corporation (CCB) has experienced a decline in share price, prompting a reassessment of its valuation. Analysts are examining the factors contributing to this weakness, including market conditions and company performance metrics. The current valuation may present a buying opportunity for investors, depending on future financial results and strategic initiatives. The outlook remains cautiously optimistic as the company navigates challenges in the financial sector. The share price decline and subsequent valuation reassessment may moderately influence investor sentiment and financial performance.

29 Jan

4

Coastal Financial Corporation (CCB) reported Q4 CY2025 earnings that exceeded analysts' expectations, showcasing strong financial performance and growth. The results reflect effective management strategies and a robust market position, contributing to positive investor sentiment and confidence in the company's future prospects. Strong earnings performance indicates significant potential for future growth and investor confidence.

4

Coastal Financial Corporation (CCB) reported its fourth quarter 2025 results, highlighting a significant increase in net income and improved asset quality. The company experienced growth in loans and deposits, driven by strong demand in its key markets. Additionally, CCB announced plans for strategic investments to enhance its digital banking services and expand its customer base. Overall, the results reflect a positive trajectory for the company amidst a competitive financial landscape. The reported financial growth and strategic investments indicate a significant impact on future performance and market positioning.

3

Coastal Financial Corporation (CCB) reported Q4 earnings and revenues that fell short of analysts' expectations. The company's performance was impacted by various factors, leading to a decline in key financial metrics. Investors reacted negatively to the news, reflecting concerns about the company's future growth prospects and market position. Earnings and revenue misses can moderately affect investor sentiment and financial performance.

22 Jan

3

TriCo Bank reported Q4 earnings and revenues that exceeded analysts' expectations, showcasing strong financial performance. The results reflect effective management strategies and a robust operational framework, positioning the bank favorably in the competitive landscape. Investors reacted positively to the news, indicating confidence in the bank's future growth potential. The earnings surpassing estimates suggests a moderately noticeable influence on financial performance and market sentiment.

13 Jan

3

Coastal Financial Corporation (CCB) has experienced a strong multi-year performance, raising questions about whether it is still a viable investment option. Analysts are evaluating the company's growth trajectory, market position, and potential risks as it navigates a competitive landscape. Investors are urged to consider both the historical performance and future outlook before making decisions. The company's strong performance may influence investor sentiment and financial performance, but broader market factors could balance the impact.

11 Jan

4

Coastal Financial Corporation (CCB) is highlighted as a strong long-term investment option within the Russell 2000 index. The article contrasts CCB's potential with two other stocks deemed risky, suggesting that CCB's fundamentals and growth prospects make it a favorable choice for investors looking for stability and growth in the small-cap sector. CCB's strong fundamentals and growth prospects indicate a significant potential impact on its future performance and market positioning.

3

Coastal Financial Corporation (CCB) insider sold $1.3 million in stock as the company's shares surged by 47%. This sale follows a trend of insider selling amid rising stock prices, raising questions about the motivations behind these transactions and their implications for investor sentiment. Insider selling during a significant stock price increase may influence market sentiment and investor confidence.

9 Jan

4

Coastal Financial Corporation has acquired the GreenFi brand, enhancing its strategic flexibility and expanding its service offerings. This acquisition is expected to bolster CCB's position in the financial services market, allowing for greater innovation and customer engagement. The acquisition of GreenFi is a significant strategic move that could enhance Coastal Financial's competitive positioning and market presence.

stockrow.com/CCB · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com