Coastal Financial Corporation (CCB) AI Stock Analysis

Coastal Financial Corporation operates as the bank holding company for Coastal Community Bank, serving small to medium-sized businesses, professionals, and individual customers throughout Washington's Puget Sound region. Established in 1997 and based in Everett, Washington, the institution provides deposit accounts such as demand, savings, time, and money market deposits. Lending solutions include commercial and industrial loans, real estate financing, construction loans, and consumer financing for automobiles and recreational vehicles. In addition to traditional branch services, Coastal provides digital banking tools, cash management, treasury services, and banking as a service (BaaS) capabilities supporting broker dealers and digital financial platforms.

Between FY2020 and FY2025, Coastal Financial Corporation generated a 5-year revenue compound annual growth rate of 56.3%. Annual revenue expanded from $105.5M in FY2021 to $661.2M in FY2025, representing 14.7% growth in the most recent fiscal year. However, operating margin narrowed from 32.6% in FY2021 to 9.3% in FY2025, while net margin decreased from 25.6% to 7.1%. Diluted EPS was $3.04 in FY2025 compared to $2.09 in FY2021. Over the trailing twelve months, revenue totaled $362.0M with a profit margin of -1.1% and EPS of -$0.28. For the latest quarter ended June 30, 2026, quarterly revenue fell 1.5% year-over-year while quarterly earnings grew 23.8%.

As of June 30, 2026, Coastal Financial Corporation held $48.1M in cash and short-term investments against $52.6M in total debt, leaving net debt at $4.5M. Total assets stood at $5.46B, while shareholders' equity reached $463.4M, resulting in a debt-to-equity ratio of 0.11 and a current ratio of 898.63. During FY2025, the company generated $254.6M in operating cash flow and $246.1M in free cash flow. Capital expenditures were $8.4M, and share buybacks totaled $3.5M. The share count increased 21.7% over the trailing 5-year period.

Coastal Financial Corporation trades at a forward P/E of 16.7x, compared to 10.8x for the median of its US-listed Financial Services peers. Its price-to-sales multiple is 1.8x, below the peer group median of 3.2x, while its price-to-book ratio is 1.4x on a market capitalization of $642.3M. The company's enterprise value is -$313.5M, with an EV-to-revenue ratio of 1.6x. The stock has dropped 57.9% over the past year, underperforming the S&P 500 benchmark return of 16.8%. Over a 5-year period, the stock gained 24.6% compared to 83.0% for the S&P 500.

Wall Street coverage consists of 4 analysts, with 2 Strong Buy ratings, 2 Buy ratings, and 0 Hold or Sell recommendations. The mean price target is $51.00, representing a 21.4% premium over the last close of $42.02. For the fiscal year ending December 31, 2026, analysts estimate EPS of $2.50, a 17.9% decrease, on revenue of $628.9M. For the following fiscal year, 4 analysts estimate revenue of $740.9M and EPS of $5.44, representing projected growth of 118.0%. Coastal Financial Corporation beat earnings estimates in 1 of the last 4 quarters, and its next earnings date is November 4, 2026.

This page is an AI-written research summary of Coastal Financial Corporation (CCB). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: CCB income statement, CCB balance sheet, CCB key metrics, CCB analyst forecast, CCB chart. See the CCB stock overview for the latest quote and news.