CCB Stock Analysis: Coastal Financial | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 611m USD | 12M Return: -63.7% | US19046P2092 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 9.49M
Qual. Beats: -3
Rev. Trend: 83.5%
Qual. Beats: 1
Warnings
Tailwinds
No distinct edge detected
Seasonality 8.1 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Coastal Financial Corporation is the bank holding company for Coastal Community Bank, founded in 1997 and headquartered in Everett, Washington. The company provides a full suite of banking products and services-including demand, savings, money market, and time deposit accounts-primarily to consumers and small and medium-sized businesses in the Puget Sound region of Washington.
Its lending activities span commercial and industrial loans, real estate loans (owner- and non-owner-occupied, multi-family, construction, and residential), and consumer loans such as auto, boat, and recreational vehicle financing. Beyond traditional banking, the company offers remote deposit capture, online and mobile banking, debit cards, and treasury and cash management services for businesses.
A distinctive element of its business model is its Banking as a Service (BaaS) platform, which enables digital financial service partners to offer banking services to their own customers-an increasingly common arrangement among community and regional banks seeking to diversify revenue through fintech partnerships. As a small-cap regional bank listed on NASDAQ since its 2018 IPO, Coastal Financial operates within a competitive Pacific Northwest banking market that includes both local community institutions and larger regional players.
- BaaS platform revenue scales with fintech partner growth
- Net interest margin tracks Fed rate path and asset mix
- Commercial and real estate loan portfolio expansion
| Net Income: -3.85m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA -0.97 > 1.0 |
| NWC/Revenue: 515.6% < 20% (prev -594.2%; Δ 1.11k% < -1%) |
| CFO/TA 0.05 > 3% & CFO 269.7m > Net Income -3.85m |
| Net Debt (9.04m) to EBITDA (100.7m): 0.09 < 3 |
| Current Ratio: 898.6 > 1.5 & < 3 |
| Outstanding Shares: last quarter (15.5m) vs 12m ago 0.05% < -2% |
| Gross Margin: 53.59% > 18% (prev 36.19%; Δ 17.41% > 0.5%) |
| Asset Turnover: 15.85% > 50% (prev 12.00%; Δ 3.85% > 0%) |
| Interest Coverage Ratio: 0.76 > 6 (EBIT TTM 89.4m / Interest Expense TTM 117.2m) |
| A: 0.74 (Total Current Assets 4.06b - Total Current Liabilities 4.52m) / Total Assets 5.46b |
| B: 0.04 (Retained Earnings 227.4m / Total Assets 5.46b) |
| C: 0.02 (EBIT TTM 89.4m / Avg Total Assets 4.97b) |
| D: 0.09 (Book Value of Equity 463.4m / Total Liabilities 4.99b) |
| Altman-Z'' = 5.23 = AAA |
| DSRI: 3.0 (Receivables 4.02b/33.9m, Revenue 787.3m/537.5m) |
| GMI: 0.68 (GM 36.19% / 53.59%) |
| AQI: 0.30 (AQ_t 0.25 / AQ_t-1 0.82) |
| SGI: 1.46 (Revenue 787.3m / 537.5m) |
| TATA: -0.05 (NI -3.85m - CFO 269.7m) / TA 5.46b) |
| Beneish M = -1.76 (Cap -4..+1) = CCC |
As of October 07, 2026, the stock is trading at USD 40.76 with a total of 228,341 shares traded. Over the past week, the price has changed by +1.95%, over one month by -17.61%, over three months by -48.36% and over the past year by -63.67%.
Current recommended Stop Loss: 37.70 (which is 7.5% or 1.3 ATR below the current price).
Coastal Financial has received a consensus analysts rating of 4.75. Therefore, it is recommended to buy CCB.
- StrongBuy: 3
- Buy: 1
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 51 | 25.1% |
P/E Forward = 16.7224
P/S = 1.6882
P/B = 1.448
Revenue TTM = 787.3m USD
EBIT TTM = 89.4m USD
EBITDA TTM = 100.7m USD
Long Term Debt = 48.1m USD (from longTermDebt, last quarter)
Short Term Debt = 4.52m USD (from shortTermDebt, last quarter)
Debt = 57.2m USD (from shortLongTermDebtTotal, last quarter) + Leases 4.52m
Net Debt = 9.04m USD (calculated: Debt 57.2m - CCE 48.1m)
Enterprise Value = 620.2m USD (611.1m + Debt 57.2m - CCE 48.1m)
Interest Coverage Ratio = 0.76 (Ebit TTM 89.4m / Interest Expense TTM 117.2m)
EV/FCF = 75.46x (Enterprise Value 620.2m / FCF TTM 8.22m)
FCF Yield = 1.33% (FCF TTM 8.22m / Enterprise Value 620.2m)
FCF Margin = 1.04% (FCF TTM 8.22m / Revenue TTM 787.3m)
Net Margin = -0.49% (Net Income TTM -3.85m / Revenue TTM 787.3m)
Gross Margin = 53.59% ((Revenue TTM 787.3m - Cost of Revenue TTM 365.4m) / Revenue TTM)
Gross Margin QoQ = 59.84% (prev 55.15%)
Tobins Q-Ratio = 0.11 (Enterprise Value 620.2m / Total Assets 5.46b)
Interest Expense / Debt = 205.0% (Interest Expense 117.2m / Debt 57.2m)
Taxrate = 23.27% (14.3m / 61.2m)
NOPAT = 68.6m (EBIT 89.4m * (1 - 23.27%))
Current Ratio = 102.4 (out of range, set to none) (Total Current Assets 4.06b / Total Current Liabilities 39.7m)
Debt / Equity = 0.12 (Debt 57.2m / totalStockholderEquity, last quarter 463.4m)
Debt / EBITDA = 0.09 (Net Debt 9.04m / EBITDA 100.7m)
Debt / FCF = 1.10 (Net Debt 9.04m / FCF TTM 8.22m)
Total Stockholder Equity = 483.4m (last 4 quarters mean from totalStockholderEquity)
RoA = -0.08% (Net Income -3.85m / Total Assets 5.46b)
RoE = -0.80% (Net Income TTM -3.85m / Total Stockholder Equity 483.4m)
RoCE = 16.81% (EBIT 89.4m / Capital Employed (Equity 483.4m + L.T.Debt 48.1m))
RoIC = 1.27% (NOPAT 68.6m / Invested Capital 5.42b)
WACC = 6.76% (E(611.1m)/V(668.3m) * Re(7.39%) + (debt cost/tax rate unavailable))
Discount Rate = 7.39% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 87.90 | Cagr: 5.59%
[DCF] Terminal Value 73.10% ; FCFF base≈25.0m ; Y1≈21.9m ; Y5≈17.7m
[DCF] Fair Price = 18.00 (EV 284.2m - Net Debt 9.04m = Equity 275.2m / Shares 15.3m; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: -4.0 | # QB: -3
Revenue Correlation: 83.49 | Revenue CAGR: 16.60% | SUE: 2.51 | # QB: 1
EPS current Quarter (2026-09-30): EPS=0.96 | Chg30d=-0.35% | Revisions=-17% | Analysts=3
EPS current Year (2026-12-31): EPS=1.93 | Chg30d=-0.85% | Revisions=-50% | GrowthEPS=-36.6% | GrowthRev=+16.0%
EPS next Year (2027-12-31): EPS=5.81 | Chg30d=-1.78% | Revisions=-57% | GrowthEPS=+201.4% | GrowthRev=+18.2%
[Analyst] Revisions Ratio: -62% (up=1, down=9)