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Coastal Financial
(NASDAQ:CCB)
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Rating:56Neutral
Price Target:
$47.00
▼(-34.89% Downside)
Action:Reiterated
Date:08/08/26
The score is primarily supported by strong cash generation and a conservative leverage profile, but is held back by the recent shift to a TTM net loss and very weak technical trend (price far below major moving averages with negative momentum). Valuation is also a drag given the negative P/E and lack of dividend support, while corporate governance changes are mildly positive but secondary.
Positive Factors
Cash generation
Coastal reports very strong operating and free cash flow (free cash flow up ~5.9% and nearly matching net income). Robust cash conversion provides enduring liquidity for lending, partner programs, and loss absorption, supporting strategic flexibility even if earnings episodically weaken.
Negative Factors
TTM profitability deterioration
Despite top-line growth, a TTM net loss and negative net margin signal weakening earnings quality. Persistent margin pressure—from provisions, valuation adjustments, or partner economics—would erode ROE and limit capital accumulation, making it harder to fund growth without raising pricing or capital.
Read all positive and negative factors
Positive Factors
Negative Factors
Cash generation
Coastal reports very strong operating and free cash flow (free cash flow up ~5.9% and nearly matching net income). Robust cash conversion provides enduring liquidity for lending, partner programs, and loss absorption, supporting strategic flexibility even if earnings episodically weaken.
Read all positive factors
Coastal Financial (CCB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$625.05M
Dividend YieldN/A
Average Volume (3M)113.78K
Price to Earnings (P/E)―
Beta (1Y)1.03
Revenue Growth7.30%
EPS Growth-106.97%
CountryUS
Employees483
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)-0.25
Shares Outstanding15,248,808
10 Day Avg. Volume124,458
30 Day Avg. Volume113,778
Financial Highlights & Ratios
PEG Ratio-5.35
Price to Book (P/B)3.53
Price to Sales (P/S)2.62
P/FCF Ratio7.03
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda>-0.01
Forecast
1Y Price Target
$50.00Price Target Upside-30.74% Downside
Rating ConsensusStrong Buy
Number of Analyst Covering3
EPS Forecast (FY)1.96
Revenue Forecast (FY)$621.48M
Coastal Financial Business Overview & Revenue Model
Company Description
Coastal Financial Corporation functions as the parent company for Coastal Community Bank, providing a comprehensive suite of banking products and services. Its clientele includes small and medium-sized businesses, professionals, and individuals ac...
How the Company Makes Money
Coastal Financial primarily makes money through (1) net interest income and (2) noninterest income. Net interest income is earned on interest from loans and other interest-earning assets (e.g., investment securities and interest-bearing balances) ...
Coastal Financial Financial Statement Overview
Summary
Income Statement
54
Neutral
Balance Sheet
73
Positive
Cash Flow
82
Very Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 692.40M | 661.23M | 576.61M | 440.43M | 232.25M | 105.46M |
| Gross Profit | 327.05M | 349.04M | 175.26M | 164.79M | 132.79M | 91.90M |
| EBITDA | -554.00K | 67.76M | 61.87M | 59.46M | 52.43M | 35.96M |
| Net Income | -3.85M | 46.99M | 45.22M | 44.58M | 40.63M | 27.00M |
Balance Sheet | ||||||
| Total Assets | 5.46B | 4.74B | 4.12B | 3.75B | 3.14B | 2.64B |
| Cash, Cash Equivalents and Short-Term Investments | 48.12M | 34.27M | 452.55M | 582.63M | 439.46M | 848.49M |
| Total Debt | 52.63M | 58.00M | 53.28M | 53.86M | 52.82M | 59.19M |
| Total Liabilities | 4.99B | 4.25B | 3.68B | 3.46B | 2.90B | 2.43B |
| Stockholders Equity | 463.45M | 490.96M | 438.70M | 294.98M | 243.49M | 201.22M |
Cash Flow | ||||||
| Free Cash Flow | 266.10M | 246.15M | 249.89M | 185.29M | 64.26M | 27.25M |
| Operating Cash Flow | 269.69M | 254.58M | 259.79M | 191.54M | 67.10M | 29.85M |
| Investing Cash Flow | -926.95M | -525.65M | -608.57M | -594.01M | -987.95M | -239.64M |
| Financing Cash Flow | 945.94M | 555.52M | 318.17M | 543.46M | 449.83M | 859.84M |
Coastal Financial Technical Analysis
Negative
72.19
Price Trends
70.09
Negative
73.30
Negative
87.45
Negative
Market Momentum
-8.79
Positive
24.45
Positive
21.08
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CCB, the sentiment is Negative. The current price of 72.19 is above the 20-day moving average (MA) of 64.53, above the 50-day MA of 70.09, and below the 200-day MA of 87.45, indicating a bearish trend. The MACD of -8.79 indicates Positive momentum. The RSI at 24.45 is Positive, neither overbought nor oversold. The STOCH value of 21.08 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CCB.
Coastal Financial Risk Analysis
Coastal Financial disclosed 62 risk factors in its most recent earnings report. Coastal Financial reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Coastal Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $1.56B | 14.30 | 14.67% | 3.37% | 1.83% | 18.85% | |
73 Outperform | $1.98B | 14.86 | 10.91% | 0.29% | 7.11% | 132.73% | |
70 Outperform | $1.86B | 11.00 | 20.58% | 0.23% | 1.95% | 6.07% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
59 Neutral | $2.91B | 32.22 | 4.98% | ― | 13.23% | 850.00% | |
56 Neutral | $625.05M | -186.32 | -0.80% | ― | 7.30% | -106.97% |
* Financial Sector Average
CCB
Coastal Financial
45.34
-53.01
-53.90%
LKFN
Lakeland Financial
61.73
3.43
5.89%
CASH
Pathward Financial
86.85
13.27
18.04%
LOB
Live Oak Bancshares
42.60
10.88
34.28%
CLBK
Columbia Financial
10.84
4.34
66.79%
Coastal Financial Corporate Events
Business Operations and StrategyExecutive/Board Changes
Coastal Financial Reshapes Governance With New Executive Chair
Positive
Jul 30, 2026
On July 29, 2026, Coastal Financial Corporation appointed long‑time non‑employee director and Everett-based law partner Christopher D. Adams as Executive Chair of its Board of Directors, transitioning him into an executive officer role...
Business Operations and StrategyFinancial Disclosures
Coastal Financial Highlights Q2 2026 Strategic Shift
Neutral
Jul 30, 2026
On July 30, 2026, Coastal Financial Corporation released investor presentation materials detailing its second-quarter 2026 performance, highlighting a strategic shift toward off-balance sheet sweep arrangements and enhanced partner economics. As o...
Financial Disclosures
Coastal Financial Schedules Second-Quarter 2026 Earnings Release
Neutral
Jul 23, 2026
Coastal Financial Corporation and its subsidiary Coastal Community Bank announced on July 23, 2026, that they would release second-quarter 2026 financial results before the market opens on Thursday, July 30, 2026. The company said its management t...
Business Operations and StrategyExecutive/Board ChangesRegulatory Filings and Compliance
Coastal Financial Announces CFO Transition and Interim Appointment
Neutral
Jul 23, 2026
Coastal Financial Corporation announced on July 22, 2026, that Executive Vice President and Chief Financial Officer Brandon Soto will step down effective August 15, 2026, to become CEO of a banking subsidiary of a privately held fintech-focused co...
Executive/Board ChangesShareholder Meetings
Coastal Financial Shareholders Approve Directors and Governance Matters
Positive
May 29, 2026
Coastal Financial Corporation held its 2026 annual meeting of shareholders on May 27, 2026, with approximately 91% of the voting power represented, constituting a quorum for business. Shareholders elected Rilla R. Delorier, Steven D. Hovde, Michae...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.