Coastal Financial (1VD) AI Stock Analysis

0 Followers

Coastal Financial

(Frankfurt:1VD)

Rating:―N/A

Action:N/A

Date:―

No summary available

Positive Factors

Revenue Scale-UpThe 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.

Negative Factors

Profitability DeteriorationThe 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.

Coastal Financial (1VD) vs. iShares MSCI Germany ETF (EWG)

Market Cap: EUR 664.56M
Dividend Yield: ―
Average Volume (3M): 2
Price to Earnings (P/E): -181.1
Beta (1Y): 0.56
Revenue Growth: 4.28%
EPS Growth: -106.62%
Country: Germany
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...

Coastal Financial Earnings Call Summary

Earnings Call Date:Oct 29, 2026(Q3-2026)|% Change Since:-5.94%|Next Earnings Date:Jan 28, 2027

Earnings Call SentimentPositive

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.

Positive Updates

Return to Profitability

Third-quarter net income was $13.8 million, or $0.89 per diluted share, compared with a net loss of $42.1 million, or $2.76 per diluted share, in the second quarter and net income of $13.6 million, or $0.88 per diluted share, a year ago.

Negative Updates

Specific Partner Matter Remains Unresolved

Management said the specific partner matter that affected second-quarter results has not reached complete resolution. Discussions remain ongoing, with multiple moving parts, and Coastal continues to evaluate pathways to maximize recovery.

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 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.

Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy

Latest Risks Added

1 New Risk

1.Our stock price has been and will likely continue to be volatile.Q2, 2026

Coastal Financial Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

DE:1VD against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
WCCB	82Outperform	$667.36M	11.42	14.73%	1.59%	5.91%	44.03%
CBNK	78Outperform	$693.12M	12.61	13.08%	1.24%	9.82%	11.27%
FBIZ	75Outperform	$626.49M	10.79	14.87%	1.82%	4.43%	12.02%
BWB	73Outperform	$578.21M	10.28	11.20%	―	10.34%	49.30%
TCBX	70Outperform	$661.23M	8.75	11.91%	―	17.96%	9.46%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

* Financial Sector Average

Performance Comparison

DE:1VD and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
DE:1VD	Coastal Financial	38.00	-46.00	-54.76%
FBIZ	First Business Financial Services	74.92	23.81	46.58%
BWB	Bridgewater Bancshares	20.67	3.91	23.33%
CBNK	Capital Bancorp	42.00	14.62	53.40%
WCCB	West Coast Community Bancorp	63.36	22.59	55.39%
TCBX	Third Coast Bancshares Inc	39.89	2.48	6.63%

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.

Coastal Financial AI Stock Analysis