Coastal Financial AI Stock Analysis
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Coastal Financial (CCB) AI Stock Analysis
Coastal Financial
(NASDAQ:CCB)
The score is supported primarily by solid balance-sheet positioning and strong cash generation, alongside a constructive earnings update featuring renewed profitability and a clear expense-reduction plan. Offsetting these positives are recent TTM profitability deterioration (loss/negative ROE), unresolved credit/partner issues with potential additional charge-offs, and a longer-term bearish technical trend with only neutral near-term momentum. Valuation is also constrained by the negative P/E.
Coastal Financial (CCB) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $661.20M
- Dividend Yield
- ―
- Average Volume (3M)
- 210.21K
- Price to Earnings (P/E)
- -180.2
- Beta (1Y)
- 0.98
- Revenue Growth
- 9.84%
- EPS Growth
- -107.08%
- Country
- US
- Employees
- 483
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 acros...
How the Company Makes Money
CCB primarily makes money through (1) net interest income and (2) noninterest income. Net interest income is earned from the spread between interest income generated on loans and other interest-earning assets and the interest paid on deposits and oth...
Coastal Financial Earnings Call Summary
The call was broadly positive: Coastal returned to profitability, increased BaaS fee income, improved specific portfolio credit metrics, strengthened capital, expanded its partner and loan-sale pipeline, and reported early progress on expense reductions. However, the specific partner matter remains unresolved, a potential $22.8 million charge-off remains possible by year-end, net interest margin declined sequentially, and the financial impact of the Bluevine transaction has not yet been quantified.
Q3-2026 Updates
Positive Updates
Negative Updates
Company Guidance
Coastal identified over $20 million in potential annualized savings in noninterest expenses and expects to achieve these potential savings over the next 4 to 6 quarters; management said the savings are a pretax number, there will be potentially reinvestment at different stages, and it is not giving any projections in terms of how different ratios will work out yet. The company expects operating leverage to improve as the plan is implemented, expects any required charge-off of the $22.8 million specific allowance to be recognized by year-end, and does not expect the Bluevine transaction or any resulting changes to the Bluevine deposit relationship to have a material or adverse effect on liquidity or funding profile.
Coastal Financial Financial Statement Overview
Summary
Strong multi-year revenue scale-up and solid operating cash flow/free cash flow support underlying business strength, and leverage appears conservative with growing equity. The key drag is the recent deterioration in bottom-line profitability (TTM net loss and negative ROE), which raises near-term execution risk despite still-positive operating profitability.
Income Statement
62PositiveBalance Sheet
78PositiveCash Flow
74Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 828.66M | 661.23M | 576.61M | 440.43M | 232.25M | 105.46M |
| Gross Profit | 472.12M | 349.04M | 175.26M | 164.79M | 132.79M | 91.90M |
| EBITDA | 93.28M | 67.76M | 61.87M | 59.46M | 52.43M | 35.96M |
| Net Income | -3.65M | 46.99M | 45.22M | 44.58M | 40.63M | 27.00M |
Balance Sheet | ||||||
| Total Assets | 5.28B | 4.74B | 4.12B | 3.75B | 3.14B | 2.64B |
| Cash, Cash Equivalents and Short-Term Investments | 45.73M | 34.27M | 452.55M | 582.63M | 439.46M | 848.49M |
| Total Debt | 52.39M | 58.00M | 53.28M | 53.86M | 52.82M | 59.19M |
| Total Liabilities | 4.80B | 4.25B | 3.68B | 3.46B | 2.90B | 2.43B |
| Stockholders Equity | 478.27M | 490.96M | 438.70M | 294.98M | 243.49M | 201.22M |
Cash Flow | ||||||
| Free Cash Flow | 244.25M | 246.15M | 249.89M | 185.29M | 64.26M | 27.25M |
| Operating Cash Flow | 252.58M | 254.58M | 259.79M | 191.54M | 67.10M | 29.85M |
| Investing Cash Flow | -795.25M | -525.65M | -608.57M | -594.01M | -987.95M | -239.64M |
| Financing Cash Flow | 703.97M | 555.52M | 318.17M | 543.46M | 449.83M | 859.84M |
Coastal Financial Technical Analysis
Price Trends
Market Momentum
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 43.24 is below the 20-day moving average (MA) of 43.81, below the 50-day MA of 43.87, and below the 200-day MA of 65.23, indicating a bearish trend. The MACD of -0.14 indicates Positive momentum. The RSI at 48.26 is Neutral, neither overbought nor oversold. The STOCH value of 30.14 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 63 risk factors in its most recent earnings report. Coastal Financial reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
3 New RisksCoastal Financial Peers Comparison
Overall Rating
WCCB82Outperform
CBNK78Outperform
FBIZ75.2Outperform
BWB73Outperform
TCBX70Outperform- CCB62Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| WCCB | 82Outperform | $667.08M | 11.44 | 14.73% | 1.59% | 5.91% | 44.03% |
| CBNK | 78Outperform | $686.58M | 12.59 | 13.08% | 1.24% | 9.82% | 11.27% |
| FBIZ | 75Outperform | $623.99M | 10.76 | 14.87% | 1.81% | 4.43% | 12.02% |
| BWB | 73Outperform | $579.05M | 10.30 | 11.20% | ― | 10.34% | 49.30% |
| TCBX | 70Outperform | $666.40M | 8.69 | 11.91% | ― | 17.96% | 9.46% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| CCB | 62Neutral | $664.56M | -180.18 | -0.75% | ― | 9.84% | -107.08% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| CCB | Coastal Financial | 43.24 | -59.27 | -57.82% | |
| FBIZ | First Business Financial Services | 75.07 | 26.07 | 53.20% | |
| BWB | Bridgewater Bancshares | 20.73 | 4.40 | 26.94% | |
| CBNK | Capital Bancorp | 41.97 | 15.71 | 59.85% | |
| WCCB | West Coast Community Bancorp | 63.36 | 22.34 | 54.46% | |
| TCBX | Third Coast Bancshares Inc | 39.68 | 3.48 | 9.61% |
Coastal Financial Corporate Events
Coastal Financial Details Strategic Shift in Investor Presentation
NeutralOn October 29, 2026, Coastal Financial Corporation released an investor presentation detailing its results for the quarter ended September 30, 2026, highlighting a 3.3% decline in total assets to $5.28 billion and a 3.8% drop in deposits to $4.68 bil...
Coastal Financial Tightens Executive Pay and Leadership Costs
NeutralOn October 28, 2026, Coastal Financial Corporation and Coastal Community Bank agreed to transition Brian Hamilton, President of CCBX, from his executive role into a consulting position after key technology build-outs and infrastructure projects reach...
Bluevine Acquisition Seen as Neutral to Coastal Financial
NeutralOn September 28, 2026, Bluevine, Inc., a longstanding financial technology partner of Coastal Community Bank, announced a definitive agreement to be acquired by Valley National Bancorp, subject to regulatory approvals and customary closing conditions...
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.
Date of analysis: Nov 05, 2026