(CCB) Coastal Financial - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 1.106m USD | Total Return: -18.6% in 12m
Avg Turnover: 11.4M
EPS Trend: -27.1%
Qual. Beats: -2
Rev. Trend: 84.5%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Coastal Financial Corporation (CCB) is a bank holding company based in Everett, Washington, primarily serving the Puget Sound region. The institution operates through Coastal Community Bank, providing traditional retail and commercial banking services, including deposit accounts, real estate lending, and equipment financing. A key differentiator in its business model is its Banking-as-a-Service (BaaS) division, which provides the underlying infrastructure for fintech partners to offer regulated financial products.
The regional banking sector currently faces a landscape defined by net interest margin pressure and increased regulatory scrutiny regarding capital adequacy. CCB’s focus on BaaS places it in a specialized niche of the financial sector, where fee-based income from digital partnerships complements traditional interest income from its loan portfolio. For a deeper look at how these segments impact valuation, investors can review the detailed metrics available on ValueRay.
Founded in 1997, the company maintains a diverse credit portfolio ranging from Small Business Administration (SBA) loans to multi-family residential lending. Its service suite is supported by treasury management and digital banking tools designed for small to medium-sized enterprises. This hybrid approach allows the firm to leverage local community banking relationships while scaling through national digital financial service partnerships.
- Banking as a Service partner growth accelerates fee income and deposit expansion
- Net interest margin sensitivity to Federal Reserve monetary policy shifts
- Credit quality performance within the Puget Sound commercial real estate portfolio
- Regulatory oversight and compliance costs associated with fintech partner integration
- Loan yield expansion offset by rising deposit competition in regional markets
| Net Income: 49.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.04 > 0.02 and ΔFCF/TA -1.64 > 1.0 |
| NWC/Revenue: 625.5% < 20% (prev -566.1%; Δ 1.19k% < -1%) |
| CFO/TA 0.05 > 3% & CFO 258.9m > Net Income 49.3m |
| Net Debt (4.95m) to EBITDA (70.7m): 0.07 < 3 |
| Current Ratio: 783.5 > 1.5 & < 3 |
| Outstanding Shares: last quarter (15.5m) vs 12m ago -0.04% < -2% |
| Gross Margin: 48.82% > 18% (prev 0.33%; Δ 4.85k% > 0.5%) |
| Asset Turnover: 12.00% > 50% (prev 12.88%; Δ -0.88% > 0%) |
| Interest Coverage Ratio: 0.54 > 6 (EBITDA TTM 70.7m / Interest Expense TTM 119.0m) |
| A: 0.66 (Total Current Assets 3.76b - Total Current Liabilities 4.80m) / Total Assets 5.66b |
| B: 0.05 (Retained Earnings 269.5m / Total Assets 5.66b) |
| C: 0.01 (EBIT TTM 64.1m / Avg Total Assets 5.00b) |
| D: 0.10 (Book Value of Equity 503.8m / Total Liabilities 5.16b) |
| Altman-Z'' = 4.69 = AA |
| DSRI: 102.1 (Receivables 3.71b/33.8m, Revenue 600.3m/558.8m) |
| GMI: 0.68 (GM 48.82% / 33.20%) |
| AQI: 0.39 (AQ_t 0.33 / AQ_t-1 0.84) |
| SGI: 1.07 (Revenue 600.3m / 558.8m) |
| TATA: -0.04 (NI 49.3m - CFO 258.9m) / TA 5.66b) |
| Beneish M = 79.55 (Cap -4..+1) = D |
As of May 30, 2026, the stock is trading at USD 71.18 with a total of 123,778 shares traded.
Over the past week, the price has changed by +1.30%,
over one month by -5.98%,
over three months by -4.06% and
over the past year by -18.63%.
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 | 106.3 | 49.3% |
P/E Trailing = 22.5857
P/E Forward = 17.7936
P/S = 2.9237
P/B = 2.1086
Revenue TTM = 600.3m USD
EBIT TTM = 64.1m USD
EBITDA TTM = 70.7m USD
Long Term Debt = 48.1m USD (from longTermDebt, last quarter)
Short Term Debt = 4.80m USD (from shortTermDebt, last quarter)
Debt = 57.7m USD (from shortLongTermDebtTotal, last quarter) + Leases 4.80m
Net Debt = 4.95m USD (calculated: Debt 57.7m - CCE 52.7m)
Enterprise Value = 1.11b USD (1.11b + Debt 57.7m - CCE 52.7m)
Interest Coverage Ratio = 0.54 (Ebit TTM 64.1m / Interest Expense TTM 119.0m)
EV/FCF = 4.42x (Enterprise Value 1.11b / FCF TTM 251.4m)
FCF Yield = 22.64% (FCF TTM 251.4m / Enterprise Value 1.11b)
FCF Margin = 41.87% (FCF TTM 251.4m / Revenue TTM 600.3m)
Net Margin = 8.21% (Net Income TTM 49.3m / Revenue TTM 600.3m)
Gross Margin = 48.82% ((Revenue TTM 600.3m - Cost of Revenue TTM 307.3m) / Revenue TTM)
Gross Margin QoQ = 55.15% (prev 54.03%)
Tobins Q-Ratio = 0.20 (Enterprise Value 1.11b / Total Assets 5.66b)
Interest Expense / Debt = 206.4% (Interest Expense 119.0m / Debt 57.7m)
Taxrate = 17.59% (2.56m / 14.6m)
NOPAT = 52.8m (EBIT 64.1m * (1 - 17.59%))
Current Ratio = 783.5 (out of range, set to none) (Total Current Assets 3.76b / Total Current Liabilities 4.80m)
Debt / Equity = 0.11 (Debt 57.7m / totalStockholderEquity, last quarter 503.8m)
Debt / EBITDA = 0.07 (Net Debt 4.95m / EBITDA 70.7m)
Debt / FCF = 0.02 (Net Debt 4.95m / FCF TTM 251.4m)
Total Stockholder Equity = 482.9m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.99% (Net Income 49.3m / Total Assets 5.66b)
RoE = 10.20% (Net Income TTM 49.3m / Total Stockholder Equity 482.9m)
RoCE = 12.06% (EBIT 64.1m / Capital Employed (Equity 482.9m + L.T.Debt 48.1m))
RoIC = 0.93% (NOPAT 52.8m / Invested Capital 5.66b)
WACC = 9.30% (E(1.11b)/V(1.16b) * Re(9.79%) + (debt cost/tax rate unavailable))
Discount Rate = 9.79% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 76.41 | Cagr: 5.59%
[DCF] Terminal Value 71.43% ; FCFF base≈256.3m ; Y1≈247.2m ; Y5≈241.6m
[DCF] Fair Price = 213.8 (EV 3.27b - Net Debt 4.95m = Equity 3.26b / Shares 15.2m; r=9.30% [WACC]; 5y FCF grow -4.73% → 2.50% )
EPS Correlation: -27.11 | EPS CAGR: -2.47% | SUE: -2.07 | # QB: -2
Revenue Correlation: 84.48 | Revenue CAGR: 15.63% | SUE: 0.65 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.00 | Chg30d=-18.33% | Revisions=-50% | Analysts=4
EPS next Quarter (2026-09-30): EPS=1.22 | Chg30d=-14.86% | Revisions=-50% | Analysts=4
EPS current Year (2026-12-31): EPS=4.46 | Chg30d=-16.15% | Revisions=-50% | GrowthEPS=+46.9% | GrowthRev=+12.5%
EPS next Year (2027-12-31): EPS=7.00 | Chg30d=-8.76% | Revisions=-50% | GrowthEPS=+56.9% | GrowthRev=+22.5%
[Analyst] Revisions Ratio: -50%