Coastal Financial Corp (CCB) stock

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

$43.24−0.22 (-0.51%)

Close on Nov 12, 2026Market cap $660.98MP/E –Yield –

Coastal Financial statistics

78 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.

Important dates

Next earnings: Jan 28, 2027 (estimated, before the open)
Last ex-dividend date: No dividends
Fundamentals through: Sep 30, 2026
Share price as of: Nov 12, 2026

Valuation ratiosIndustry

Market Cap: $660.98M; $894.33M
Enterprise Value: -$142.57M; $616.21M
PS Ratio: 1.08; 3.66
PB Ratio: 1.38; 1.25
P/TBV Ratio: 1.38; 1.52
P/FCF Ratio: 2.71; 10.68
P/OCF Ratio: 2.62; 9.78

Enterprise valuationIndustry

EV / Sales: -0.23; 2.95
EV / FCF: -0.58; 8.51

Share statisticsIndustry

Shares Outstanding: 15M; 19M
Shares Change (YoY): 1.51%; 0.35%
Shares Change (QoQ): 0.05%; 0.00%
Float: 13M; 17M
Shares Held by Insiders: 15.9%; 6.05%
Shares Held by Institutions: 83.8%; 61.3%

Short sellingIndustry

Short Interest: 1M; –
Short Interest Change: 2.29%; -4.13%
Short % of Float: 9.99%; 3.58%
Short % of Shares Outstanding: 8.40%; 3.18%
Days to Cover: 5.75; 4.85

Stock price statisticsIndustry

52-Week High: $120.05; –
52-Week Low: $35.56; –
20-Day Moving Average: $43.81; –
50-Day Moving Average: $43.87; –
200-Day Moving Average: $65.23; –
Average True Range (14): $2.00; –
Price Change (1 Week): -0.02%; 0.51%
Price Change (1 Month): 5.21%; 4.83%
Price Change (3 Months): -17.6%; -3.58%
Price Change (6 Months): -38.0%; 10.8%
Price Change (YTD): -62.3%; 19.6%
Price Change (1 Year): -60.0%; 25.4%
Price Change (3 Years): 14.2%; 76.7%
Price Change (5 Years): -1.66%; 26.5%
Average Volume (10 Days): 193,938; –
Average Volume (20 Days): 205,673; –
Average Volume (90 Days): 251,547; –
Relative Volume: 0.74; 0.67
Relative Strength Index (14): 48.3; 52.6
Volatility (1 Year): 62.7%; 24.4%
Beta (5 Years): 0.86; 0.63

MarginsIndustry

Pretax Margin: -0.81%; 36.9%
Profit Margin: -0.59%; 29.5%
FCF Margin: 39.7%; 33.8%

Returns on capitalIndustry

Return on Equity (ROE): -0.77%; 10.8%
Return on Assets (ROA): -0.07%; 1.16%

GrowthIndustry

Revenue Growth (YoY): 11.8%; 11.8%
Net Income Growth (YoY): -107.7%; 22.7%
EPS Growth (YoY): -108.5%; 21.6%
FCF Growth (YoY): -4.42%; 27.5%
Revenue Growth (3Y CAGR): 1411.0%; 5.82%
Revenue Growth (5Y CAGR): 436.4%; 6.17%
EPS Growth (3Y CAGR): 0.55%; 1.31%
EPS Growth (5Y CAGR): 19.8%; 8.24%

EfficiencyIndustry

Asset Turnover: 0.13; 0.04
Revenue Per Employee: $1.27M; $359.04K
Profits Per Employee: -$7.57K; $110.51K
Employee Count: 483; 492
WACC: 9.20%; 7.91%

Income statement (TTM)Industry

Revenue: $614.86M; $184.05M
Pretax Income: -$4.97M; $74.07M
Net Income: -$3.66M; $57.59M
EPS (Diluted): -$0.27; $2.99

Balance sheetIndustry

Cash & Short-Term Investments: $803.55M; $218.68M
Net Cash (Debt): $803.55M; $166.15M
Net Cash Per Share: $52.57; $8.19
Equity (Book Value): $478.27M; $570.13M
Book Value Per Share: $31.29; $28.22
Tangible Book Value: $478.27M; $478.27M

Cash flow (TTM)Industry

Operating Cash Flow: $252.58M; $66.48M
Capital Expenditures: -$8.33M; -$4.27M
Free Cash Flow: $244.25M; $59.01M
FCF Per Share: $15.98; $3.35

Dividends and yieldsIndustry

Earnings Yield: -0.55%; 8.32%
FCF Yield: 37.0%; 9.23%

Taxes and interestIndustry

Income Tax: -$1.31M; $16.14M

Scores and fair valueIndustry

Altman Z-Score: 0.26; 0.22
Piotroski F-Score: 4; 6

Total return vs. the S&P 500

Price change plus reinvested dividends, to the close on Nov 12, 2026. The S&P 500 is measured by the SPY fund.

Period	CCB	S&P 500	Difference	CCB per year	S&P 500 per year
1 month	+5.7%	-2.7%	+8.4 pts
3 months	-12.3%	-1.7%	−10.6 pts
Year to date	-62.3%	+11.9%	−74.2 pts
1 year	-60.8%	+12.0%	−72.8 pts
3 years	+13.0%	+78.2%	−65.2 pts	+4.1%	+21.2%
5 years	-1.7%	+73.2%	−74.9 pts	-0.3%	+11.6%

Short interest

Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.

1M CCB shares were sold short on Oct 30, 2026, up 2.3% from the previous report, or 9.99% of the shares available to trade. At recent volumes it would take 5.8 days to buy them back. Over the last 20 sessions, 46.6% of the volume reported to FINRA was short selling.

Settlement date	Shares short	Change	Avg. daily volume	Days to cover
Oct 30, 2026	1,284,696	+2.3%	223,339	5.8
Oct 15, 2026	1,255,896	-7.5%	232,870	5.4
Sep 30, 2026	1,357,286	+16.4%	259,782	5.2
Sep 15, 2026	1,165,874	+7.0%	172,831	6.8
Aug 31, 2026	1,089,963	+2.9%	167,497	6.5
Aug 14, 2026	1,059,465	-3.7%	394,523	2.7
Jul 31, 2026	1,100,493	-2.6%	404,186	2.7
Jul 15, 2026	1,130,173	-23.8%	91,031	12.4
Jun 30, 2026	1,482,911	+1.0%	138,367	10.7
Jun 15, 2026	1,468,019	-0.6%	92,855	15.8
May 29, 2026	1,476,846	+4.1%	125,285	11.8
May 15, 2026	1,419,212	+4.0%	177,450	8.0

Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.

Where these numbers come from

Parsed from the XBRL in Coastal Financial's annual and quarterly filings with the SEC
Fourth quarters derived from the annual report minus nine months
Every figure in the statements links to its source filing

Against peers

Trailing twelve months. Peers are matched on business description, industry and size. Ticks are peers, the dot is CCB.

Compare: CCB vs CUBI · CCB vs BOH · CCB vs SFBS · CCB vs FBK · CCB vs EGBN

Revenue growth11.8% · median 24.1%

Net margin-0.6% · median 31.7%

Company	Revenue	Growth
CUBI	$929.46M	+24.1%
BOH	$777.63M	+12.7%
FBK	$700.18M	+36.8%
SFBS	$662.66M	+24.5%
CCB	$614.86M	+11.8%
EGBN	$300.88M	+2.5%

Company

Next earnings (est.): Jan 28, 2027, before open
Exchange: Nasdaq
Industry: State Commercial Banks
Fiscal year ends: December 31
Employees: 483
Held by institutions: 83.8%
Auditor: Baker Tilly US, LLP
SEC CIK: 1437958

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