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Coastal Financial (1VD) Stock Price & Analysis

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1VD Stock Chart & Stats

€38.00€0.40(1.06%)
At close: 5:30 PM GMT+1
€40€60€80Sep 19Oct 27Nov 20Oct 23Oct 27
Day’s Range
EUR 38.00 - EUR 38.40
52-Week Range
EUR 34.40 - EUR 101.00
Previous Close
EUR 37.60
Volume
N/A
Average Volume (3M)
0
Market Cap
EUR 587.49M
Enterprise Value
EUR 622.45M
Total Cash (Recent Filing)
EUR 45.73M
Total Debt (Recent Filing)
EUR 52.39M
Price to Earnings (P/E)
―
Beta
0.55
Next Earnings
Jan 28, 2027 (Est.)
EPS Estimate
0.9
Next Dividend Ex-Date
N/A
Dividend Yield
N/A

Bulls Say, Bears Say

Bulls Say

Revenue Scale-Up

The substantial multi-year revenue increase shows that Coastal has expanded its operating scale and customer activity. Continued growth provides a broader base for spreading fixed costs, supporting investment in banking infrastructure, and developing recurring earnings across traditional and BaaS channels.

Cash Generation

Strong operating and free cash flow gives Coastal internal funding capacity for technology, compliance, partner support, and other growth needs. Although recent growth moderated, sustained cash generation improves resilience and reduces reliance on external capital to support the business.

BaaS Fee Growth

Rapid growth in BaaS program fees indicates increasing activity across Coastal’s partner ecosystem and a larger contribution from recurring service-based revenue. This can diversify earnings beyond balance-sheet lending and support a more capital-light growth model over time.

Bears Say

Profitability Deterioration

The move from positive historical margins to a TTM loss and negative ROE shows that revenue scale has not yet translated consistently into shareholder returns. Persistent earnings pressure could constrain capital generation and increase execution risk while management works to restore profitability.

Unresolved Partner Credit Risk

The unresolved partner issue creates continuing uncertainty around credit losses, recoveries, and the timing of final financial effects. A charge-off would weigh on earnings and could require management attention and capital, while the ongoing remediation indicates that partner risk remains material.

Net Interest Margin Pressure

A lower net interest margin directly pressures the spread revenue that remains central to Coastal’s banking model. If loan mix changes or tighter underwriting continue to reduce yields, the company may need stronger fee growth and expense discipline to protect overall earnings.

Coastal Financial News

1VD FAQ

What was Coastal Financial’s price range in the past 12 months?
Coastal Financial lowest stock price was €34.40 and its highest was €101.00 in the past 12 months.
What is Coastal Financial’s market cap?
Coastal Financial’s market cap is €587.49M.
When is Coastal Financial’s upcoming earnings report date?
Coastal Financial’s next earnings report is estimated for Jan 28, 2027 (not yet confirmed), which is in 78 days.
How were Coastal Financial’s earnings last quarter?
Coastal Financial released its earnings results on Oct 29, 2026. The company reported €0.796 earnings per share for the quarter, missing the consensus estimate of €0.86 by -€0.064.
Is Coastal Financial overvalued?
According to Wall Street analysts Coastal Financial’s price is currently Undervalued.
Does Coastal Financial pay dividends?
Coastal Financial does not currently pay dividends.
What is Coastal Financial’s EPS estimate?
Coastal Financial’s EPS estimate is 0.90.
How many shares outstanding does Coastal Financial have?
Coastal Financial has 15,291,390 shares outstanding.
What happened to Coastal Financial’s price movement after its last earnings report?
Coastal Financial reported an EPS of €0.796 in its last earnings report, missing expectations of €0.86. Following the earnings report the stock price went down -5.941%.
Which hedge fund is a major shareholder of Coastal Financial?
Hedge funds hold Coastal Financial shares: the largest hedge-fund position in Coastal Financial is 1,757,694,399 shares, and hedge funds decreased their holdings by 406.9K shares last quarter.
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology