(CCB) Coastal Financial - Overview

Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 1.116m USD | Total Return: -17.9% in 12m

Stock Loans, Deposits, Banking Services, Cash Management
Total Rating 20
Risk 34
Buy Signal -0.81
Banks - Regional +5.6
Regional Banks +7.1
Market Cap: 1,116m
Avg Trading Vol: 10.2M USD
ATR: 4.81%
Peers RS (IBD): 0.8
Risk 5d forecast
Volatility39.2%
Rel. Tail Risk-3.74%
Reward TTM
Sharpe Ratio-0.36
Alpha-34.16
Character TTM
Beta1.248
Beta Downside1.516
Drawdowns 3y
Max DD38.31%
CAGR/Max DD0.74
EPS (Earnings per Share) EPS (Earnings per Share) of CCB over the last years for every Quarter: "2021-03": 0.49, "2021-06": 0.49, "2021-09": 0.54, "2021-12": 0.57, "2022-03": 0.46, "2022-06": 0.76, "2022-09": 0.82, "2022-12": 0.96, "2023-03": 0.91, "2023-06": 0.95, "2023-09": 0.75, "2023-12": 0.66, "2024-03": 0.5, "2024-06": 0.84, "2024-09": 0.97, "2024-12": 0.94, "2025-03": 0.63, "2025-06": 0.71, "2025-09": 0.88, "2025-12": 0.82, "2026-03": 0,
EPS CAGR: -46.26%
EPS Trend: -41.6%
Last SUE: -4.00
Qual. Beats: 0
Revenue Revenue of CCB over the last years for every Quarter: 2021-03: 21.252, 2021-06: 22.991, 2021-09: 25.025, 2021-12: 36.19, 2022-03: 39.267, 2022-06: 48.608, 2022-09: 62.303, 2022-12: 83.811, 2023-03: 99.865, 2023-06: 118.711, 2023-09: 97.057, 2023-12: 127.848, 2024-03: 150.888, 2024-06: 136.545, 2024-09: 150.451, 2024-12: 137.949, 2025-03: 133.884, 2025-06: 115.203, 2025-09: 140.837, 2025-12: 166.547, 2026-03: null,
Rev. CAGR: 47.01%
Rev. Trend: 83.1%
Last SUE: 4.00
Qual. Beats: 1
Risks
Technicals: choppy
Description: CCB Coastal Financial March 04, 2026

Coastal Financial Corporation (CCB) is a bank holding company for Coastal Community Bank, serving small to medium-sized businesses, professionals, and individuals in Washingtons Puget Sound region. Regional banks typically focus on localized markets and customer relationships.

The company offers a variety of banking services, including demand, savings, time, and money market accounts. Lending products encompass commercial and industrial loans, real estate loans (owner-occupied, non-owner-occupied, multi-family, construction, land), residential real estate loans, and consumer loans. Diversified loan portfolios are common among community banks.

CCB also provides digital banking solutions like remote deposit capture, online and mobile banking, and debit cards. Additionally, it offers business accounts, cash management, and a Banking as a Service (BaaS) platform, which allows other financial service providers to integrate banking functionalities. BaaS represents a growing trend for traditional banks to partner with fintech companies.

To deepen your understanding of CCBs financial health and market position, consider exploring its detailed financials on ValueRay.

Headlines to Watch Out For
  • Net interest income growth drives profitability
  • Puget Sound economic health impacts loan demand
  • Regulatory changes influence banking operations
  • BaaS platform expansion boosts non-interest income
  • Deposit costs affect net interest margin
Piotroski VR‑10 (Strict, 0-10) 4.0
Net Income: 47.0m TTM > 0 and > 6% of Revenue
FCF/TA: 0.05 > 0.02 and ΔFCF/TA -0.87 > 1.0
NWC/Revenue: 651.9% < 20% (prev -543.2%; Δ 1.20k% < -1%)
CFO/TA 0.05 > 3% & CFO 254.6m > Net Income 47.0m
Net Debt (23.8m) to EBITDA (66.1m): 0.36 < 3
Current Ratio: 728.9 > 1.5 & < 3
Outstanding Shares: last quarter (15.5m) vs 12m ago 8.33% < -2%
Gross Margin: 43.90% > 18% (prev 0.30%; Δ 4.36k% > 0.5%)
Asset Turnover: 12.56% > 50% (prev 13.97%; Δ -1.41% > 0%)
Interest Coverage Ratio: 0.37 > 6 (EBITDA TTM 66.1m / Interest Expense TTM 119.6m)
Altman Z'' 5.38
A: 0.77 (Total Current Assets 3.63b - Total Current Liabilities 4.98m) / Total Assets 4.74b
B: 0.05 (Retained Earnings 257.5m / Total Assets 4.74b)
C: 0.01 (EBIT TTM 44.1m / Avg Total Assets 4.43b)
D: 0.12 (Book Value of Equity 491.0m / Total Liabilities 4.25b)
Altman-Z'' Score: 5.38 = AAA
Beneish M 1.00
DSRI: 105.7 (Receivables 3.60b/35.2m, Revenue 556.5m/575.8m)
GMI: 0.69 (GM 43.90% / 30.30%)
AQI: 0.26 (AQ_t 0.23 / AQ_t-1 0.87)
SGI: 0.97 (Revenue 556.5m / 575.8m)
TATA: -0.04 (NI 47.0m - CFO 254.6m) / TA 4.74b)
Beneish M-Score: 82.32 (Cap -4..+1) = D
What is the price of CCB shares? As of March 31, 2026, the stock is trading at USD 74.23 with a total of 88,734 shares traded.
Over the past week, the price has changed by -3.76%, over one month by +0.05%, over three months by -35.24% and over the past year by -17.90%.
Is CCB a buy, sell or hold? 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
What are the forecasts/targets for the CCB price?
ISSUER TARGET UP/DOWN
Wallstreet Target Price 131.6 77.3%
Analysts Target Price 131.6 77.3%
CCB Fundamental Data Overview March 31, 2026
P/E Trailing = 23.9837
P/E Forward = 17.7936
P/S = 3.1979
P/B = 2.2713
Revenue TTM = 556.5m USD
EBIT TTM = 44.1m USD
EBITDA TTM = 66.1m USD
Long Term Debt = 48.0m USD (from longTermDebt, last quarter)
Short Term Debt = 4.98m USD (from shortTermDebt, last quarter)
Debt = 58.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 23.8m USD (from netDebt column, last quarter)
Enterprise Value = 1.14b USD (1.12b + Debt 58.0m - CCE 34.3m)
Interest Coverage Ratio = 0.37 (Ebit TTM 44.1m / Interest Expense TTM 119.6m)
EV/FCF = 4.63x (Enterprise Value 1.14b / FCF TTM 246.1m)
FCF Yield = 21.59% (FCF TTM 246.1m / Enterprise Value 1.14b)
FCF Margin = 44.23% (FCF TTM 246.1m / Revenue TTM 556.5m)
Net Margin = 8.44% (Net Income TTM 47.0m / Revenue TTM 556.5m)
Gross Margin = 43.90% ((Revenue TTM 556.5m - Cost of Revenue TTM 312.2m) / Revenue TTM)
Gross Margin QoQ = 54.03% (prev 37.71%)
Tobins Q-Ratio = 0.24 (Enterprise Value 1.14b / Total Assets 4.74b)
Interest Expense / Debt = 49.17% (Interest Expense 28.5m / Debt 58.0m)
Taxrate = 26.41% (4.54m / 17.2m)
NOPAT = 32.4m (EBIT 44.1m * (1 - 26.41%))
 Current Ratio = 728.9 (out of range, set to none) (Total Current Assets 3.63b / Total Current Liabilities 4.98m)
 Debt / Equity = 0.12 (Debt 58.0m / totalStockholderEquity, last quarter 491.0m)
Debt / EBITDA = 0.36 (Net Debt 23.8m / EBITDA 66.1m)
Debt / FCF = 0.10 (Net Debt 23.8m / FCF TTM 246.1m)
Total Stockholder Equity = 469.5m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.06% (Net Income 47.0m / Total Assets 4.74b)
RoE = 10.01% (Net Income TTM 47.0m / Total Stockholder Equity 469.5m)
RoCE = 8.51% (EBIT 44.1m / Capital Employed (Equity 469.5m + L.T.Debt 48.0m))
RoIC = 6.27% (NOPAT 32.4m / Invested Capital 517.4m)
WACC = 11.65% (E(1.12b)/V(1.17b) * Re(10.37%) + D(58.0m)/V(1.17b) * Rd(49.17%) * (1-Tc(0.26)))
Discount Rate = 10.37% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 6.31%
[DCF] Terminal Value 70.63% ; FCFF base≈247.6m ; Y1≈305.5m ; Y5≈521.2m
[DCF] Fair Price = 331.7 (EV 5.07b - Net Debt 23.8m = Equity 5.05b / Shares 15.2m; r=11.65% [WACC]; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: -41.55 | EPS CAGR: -46.26% | SUE: -4.0 | # QB: 0
Revenue Correlation: 83.10 | Revenue CAGR: 47.01% | SUE: 4.0 | # QB: 1
EPS next Quarter (2026-06-30): EPS=1.21 | Chg7d=+0.000 | Chg30d=-0.210 | Revisions Net=-3 | Analysts=5
EPS current Year (2026-12-31): EPS=5.28 | Chg7d=+0.000 | Chg30d=-0.786 | Revisions Net=-5 | Growth EPS=+73.7% | Growth Revenue=+13.9%
EPS next Year (2027-12-31): EPS=7.71 | Chg7d=+0.000 | Chg30d=-0.338 | Revisions Net=-4 | Growth EPS=+46.0% | Growth Revenue=+24.4%
[Analyst] Revisions Ratio: -0.60 (1 Up / 4 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 6.2% (Discount Rate 10.4% - Earnings Yield 4.2%)
[Growth] Growth Spread = +18.7% (Analyst 24.9% - Implied 6.2%)
Additional Sources for CCB Stock Fund Manager Positions: Dataroma · Stockcircle