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Coastal Financial Corp (CCB) stock analysis

CCBNasdaqState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 5, 2026Score 8/30
$43.46+0.55 (+1.28%)

Close on Nov 11, 2026Market cap $664.34MP/E –Yield –

StockData Score

Prices as of Nov 11, 2026How the score works

Value1Growth2Performance1Health4Dividend0

Weak8 of 30 checks passed

Coastal Financial passes 8 of the 30 checks behind our score; 12 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
1/6
Growth
2/6
Past performance
1/6
Financial health
4/6
Dividend
0/6

What stands out

  • Earnings grew over 5 years

    Net income grew 25.4% a year on average over the last five fiscal years.

  • Revenue growing 10%+ a year

    Revenue grew 1411% a year over the last three fiscal years.

  • Well capitalized

    Equity is 9.1% of total assets; 8% or more is a comfortable cushion.

  • Loans funded by deposits

    Loans equal 85.0% of deposits, so lending is funded by customer deposits.

What to watch

  • Return on equity under 15%

    Return on equity was -0.8% over the last twelve months and averaged 14.6% over five years; we look for 15% on both.

  • EPS growing under 10% a year

    Diluted EPS grew 0.6% a year over the last three fiscal years.

  • Earnings growth not accelerating

    Net income grew -108% over the last twelve months, against a 5-year average of 25.4% a year.

  • P/B above the industry

    Coastal Financial's price-to-book of 1.39 is above the Commercial Banks median of 1.29.

Valuation1/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • P/S below the industry

    Coastal Financial's price-to-sales of 1.08 is below the Commercial Banks median of 3.60.

  • P/B above the industry

    Coastal Financial's price-to-book of 1.39 is above the Commercial Banks median of 1.29.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth2/6

  • Revenue growing 10%+ a year

    Revenue grew 1411% a year over the last three fiscal years.

  • EPS growing under 10% a year

    Diluted EPS grew 0.6% a year over the last three fiscal years.

  • Earnings growth not accelerating

    Net income grew -108% over the last twelve months, against a 5-year average of 25.4% a year.

  • Growing faster than the industry

    Revenue grew 11.8% over the last twelve months; the Commercial Banks median is 11.3%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance1/6

  • Return on equity under 15%

    Return on equity was -0.8% over the last twelve months and averaged 14.6% over five years; we look for 15% on both.

  • Return on assets under 1%

    Return on assets was -0.1%; for a bank or insurer, 1% or more is considered good.

  • Return on equity below the industry

    Coastal Financial's return on equity of -0.8% is below the Commercial Banks median of 11.5%.

  • Earnings grew over 5 years

    Net income grew 25.4% a year on average over the last five fiscal years.

  • Net margin below its 5-year average

    Net margin was -0.6% over the last twelve months, against a 5-year average of 9433%.

  • Net margin below the industry

    Coastal Financial's net margin of -0.6% is below the Commercial Banks median of 30.3%.

Financial health4/6

  • Well capitalized

    Equity is 9.1% of total assets; 8% or more is a comfortable cushion.

  • Loans funded by deposits

    Loans equal 85.0% of deposits, so lending is funded by customer deposits.

  • Adequate loan-loss reserve

    The allowance for credit losses is 5.2% of loans; we look for at least 1%.

  • High cost base

    Non-interest expense takes 62.2% of revenue; under 60% is efficient for a bank.

  • Deposits growing

    Deposits grew 17.8% over the past year.

  • Borrowings

    Needs debt and equity figures.

Dividend0/6

  • No dividend

    Coastal Financial has not paid a dividend in the last twelve months.

  • Yield against Treasuries

    No dividend.

  • Yield against the market

    No dividend.

  • Dividend stability

    No dividend.

  • Earnings cover

    No dividend.

  • Cash-flow cover

    No dividend.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for Coastal Financial. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 19.5
  • Commercial Banks median 12.1

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Medium risk

Average value traded per day
$9.30M
Value traded per 1% price move
$4.37M

Downside

High risk

Typical loss in a bad month
42.6%
Volatility (annualized)
63%
Sharpe ratio, 1 year
-1.02
Beta to the S&P 500 (5Y)
0.86

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2016 to 2025

Net margin

8.7%−12406.1 pts over 5 years

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