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Company Analysis

Coastal Financial Corporation CCB

A comprehensive view of key metrics, scores, and financial health for Coastal Financial Corporation

Overview of Coastal Financial Corporation

CCB NMS
Financial Services Banks - Regional Small Cap
Coastal Financial Corporation (CCB), is a Small Cap company, in the Banks - Regional industry, last closed at $76.92, about 58.6% overvalued vs fair value, -7.4% 1Y return, ranked 711/1004 in sector.
$76.92
-0.58%
As of March 13, 2026
Previous close • Vol 90d: 43.8%
52-Week Range
Market Cap
$1.17B
Enterprise Value
$1.19B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.coastalbank.com
HQ Everett, WA
Employees 488
Fiscal year Dec 31

Next Events

Earnings Apr 29 Estimated

Fair Value Snapshot

Bear Base Bull
$18
$32
$60
Current: $76.92 -59% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$396.3M
22.8%%
Interest Expense
$119.6M
Net Interest Income
$272.6M
17.9%%
Total Revenue
$661.2M
46%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
10.3%
Good

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$1.5M
3.2% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Coastal Financial Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
42
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
47
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing CCB's balance between Growth (36.5%), Profitability (24.6%), and Safety (38.9%). Growth 37% Safety 39% Profitability 25%

Click axes to expand details. Marker shows current allocation.

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Growth

71th percentile vs peers
71
Key Signals
Revenue CAGR 3Y 46.1% 95p Asset Growth YoY 15.0% 86p Rev Growth YoY 46.0% 39p
Strengths
  • Revenue Cagr 3Y in top 20% of peers (46.1%, 95th percentile)
  • Asset Growth Yoy in top 20% of peers (15.0%, 86th percentile)
  • Roe in top 20% of peers (12.3%, 80th percentile)
  • Roe in top 20% of peers (12.3%, 80th percentile)
  • Superior capital returns - 2 return metrics above peer median
Risks

No significant risks identified for this axis.

Profitability

48th percentile vs peers
48
Key Signals
Strengths
Risks
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Safety

76th percentile vs peers
76
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Coastal Financial Corporation.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$31.83
- - -
-58.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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