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Coastal Financial Corporation

CCB Financial Banks Regional

Coastal Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $661.2 million, down 6.21% from fiscal 2024. In the quarter to June 2026, revenue grew 37.7%, EPS fell 478.1%, free cash flow grew 16.7% and total debt was flat, each against the same quarter a year earlier. Insiders bought in the last twelve months.

42.02 0.95 −2.21%
Market cap
$656.9M
P/E
0.0×
Fwd P/E
16.0×
Dividend yield
—
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 1.12
Total sells 8.07
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — 3 — —
Sell — 3 6 2 1 — 2 1 — — — —
Insider Ownership 14.85%

Capital & Financial Ratios $m

Market Cap 656.86
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
Fwd P/E 16.00
P/S ratio 0.88
P/B ratio 1.38
Past 5Y EPS Growth 20.19% (at or above 15%: strong)
This Y EPS Growth (59.65%) (below 0%: weak)
Next Y EPS Growth 343.49% (at or above 15%: strong)
Next Y revenue growth (4.89%) (below 0%: weak)
Next 5Y EPS Growth 31.48% (at or above 15%: strong)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/S against its own 10 years 1.21%
10-year low 10-year high
P/B against its own 10 years 8.34%
10-year low 10-year high

Dividends

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

Assets vs Liabilities $m

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

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 $m

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
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

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
Fiscal quarters ending in the months shown.

Free Cash Flow $m

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
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

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low — — 11.85 12.54 8.41 19.61 35.61 29.91 35.67 76.11

Analyst estimates 2026–2028

Powerpack
High — — 18.90 18.59 23.53 54.41 54.53 48.50 87.10 120.05
People
People Employees — 159 183 195 250 377 448 507 488 483
Revenue/emp, $m 0.00 0.23 0.24 0.29 0.28 0.29 0.70 1.04 1.44 1.37
Income, $m
Income, $m Revenue 33 36 44 57 71 111 315 527 705 661
Gross margin, % 92.45 92.07 91.12 88.43 92.06 96.72 93.53 82.62 82.45 81.92
EBT 7 10 12 17 19 34 51 57 57 61
EBT margin, % 22.30 27.82 27.69 29.31 26.88 30.91 16.06 10.83 8.13 9.26
Net income 5 5 10 13 15 27 41 45 45 47
Depreciation 1 1 1 1 1 2 2 2 5 7
Per share, $
Per share, $ Revenue 3.63 3.93 4.23 4.78 5.97 9.25 24.33 39.76 52.19 43.93
Earnings 0.54 0.59 0.93 1.11 1.27 2.25 3.14 3.36 3.34 3.11
Cash flow 0.77 0.82 1.38 1.15 1.62 2.48 5.18 14.44 19.23 16.91
Capex (0.10) (0.11) (0.11) (0.10) (0.45) (0.22) (0.22) (0.47) (0.73) (0.72)
Free cash flow 0.67 0.71 1.27 1.05 1.17 2.27 4.96 13.97 18.50 16.20
Book value 6.50 7.12 10.45 10.44 11.76 16.74 18.80 22.24 32.48 32.62
Shares, m 9 9 10 12 12 12 13 13 14 15
Valuation, ×
Valuation, × P/E 3.64 68.33 16.39 14.71 16.54 22.50 14.76 13.03 25.42 36.73
P/S 0.00 3.88 3.60 3.45 3.52 5.47 1.91 1.10 1.63 2.61
P/B 0.00 2.19 1.46 1.58 1.79 3.02 2.47 1.97 2.61 3.51
EV/Sales 0.00 2.40 1.51 1.61 1.77 (1.36) 0.97 0.28 1.05 1.57
EV/FCF 0.00 11.89 5.04 7.36 9.01 (5.57) 4.76 0.78 2.97 4.25
Cash, $m
Cash, $m Operating cash flow 7 8 14 14 19 30 67 192 260 255
Capex (1) (1) (1) (1) (5) (3) (3) (6) (10) (11)
Free cash flow 6 7 13 12 14 27 64 185 250 244
Balance, $m
Balance, $m Working capital 28 37 83 90 278 172 105 59 232 284
Total debt 29 34 34 24 39 53 48 48 48 48
Net debt (58) (56) (92) (104) (125) (760) (295) (435) (405) (689)
Shareholders’ equity 60 66 109 124 140 201 243 295 439 491
Returns, %
Returns, % ROA 0.65 0.70 1.10 1.27 1.05 1.23 1.41 1.29 1.15 1.06
ROIC 324.78 66.45 45.22 52.28 76.31 0.00 0.00 0.00 105.13 0.00
ROE 7.95 8.66 11.10 11.32 11.46 15.82 18.27 16.56 12.33 10.11
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Coastal Financial Corporation vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
PFIS Peoples Financial Services Corp. $681.2M 12.0× 9.2× +3.78% (above 0%: growing) −12.94% (below 0%: shrinking) +54.41% (above 0%: growing) 70.19% 0.00% Compare
CARE Carter Bankshares, Inc. $671.8M 5.2× 4.6× +44.00% (above 0%: growing) +254.05% (above 0%: growing) −3,522.21% (below 0%: shrinking) 76.12% 0.00% Compare
MSBI Midland States Bancorp, Inc. $670.3M 20.7× 9.1× −7.83% (below 0%: shrinking) +86.36% (above 0%: growing) +9.48% (above 0%: growing) 74.46% 0.00% Compare
RRBI Red River Bancshares, Inc. $666.1M 14.5× 12.5× +6.30% (above 0%: growing) +18.54% (above 0%: growing) +237.31% (above 0%: growing) 76.50% 0.00% Compare
CCB Coastal Financial Corporation $656.9M — (loss-making) 16.0× +37.72% (above 0%: growing) n/m +16.72% (above 0%: growing) 85.92% 0.00%
ACNB ACNB Corporation $642.5M 12.0× 10.1× +4.47% (above 0%: growing) +35.14% (above 0%: growing) −125.12% (below 0%: shrinking) 81.56% 0.00% Compare
CBNK Capital Bancorp, Inc. $642.3M 11.5× 9.6× +8.53% (above 0%: growing) +10.13% (above 0%: growing) −18.20% (below 0%: shrinking) 77.43% 0.00% Compare
HIFS Hingham Institution for Savings $640.9M 9.7× — +33.46% (above 0%: growing) +168.29% (above 0%: growing) −29.97% (below 0%: shrinking) 59.45% 0.00% Compare
BHB Bar Harbor Bankshares, Inc. $638.6M 12.9× 10.1× +26.82% (above 0%: growing) +127.50% (above 0%: growing) +563.60% (above 0%: growing) 73.41% 0.00% Compare
Median of peers $654.3M 12.0× 9.6× +7.42% +60.75% −4.36% 75.29% 0.00%

All 323 Banks Regional stocks →

Coastal Financial Corporation (CCB) key facts

  • Concern: Coastal Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $661.2 million, down 6.21% from fiscal 2024.
  • Strength: Net income was $47.0 million, or $3.11 per share (basic), a net margin of 7.11%.
  • Coastal Financial Corporation (CCB) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, CCB traded at $42.02, a market capitalization of $656.9 million.
  • Return on equity was 10.1% and debt-to-equity 0.10.
  • Its Piotroski F-score is 5 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Coastal Financial Corporation (CCB) Latest News

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