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CCB

Coastal Financial Corporation

CCB

NASDAQ·Financial Services·Banks - Regional·Mkt cap $1.2B

$78.35

-1.87%

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Our plain-language verdict, the thesis, risk factors, and what is changing about the business.

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52-Week Range

$66.50 - $120.05

P/E

24.41

Fwd P/E

17.55

Beta

0.73

Div Yield

0.00%

Avg Vol

144.4K

Shares Out

15.2M

Mkt Cap

$1.2B

Price action

Price chart

Down 22.2% over the trailing year

1W
1M
3M
6M
YTD
1Y
5Y
MAX

Total returns

Price performance

Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.

Why we rate it this way

The thesis at a glance

Bull and bear case · plain-English context across the five lenses we evaluate.

Bull Case

5 reasons

  • Regional market expertise and established community relationships in Puget Sound
  • Specialized focus on underserved small-to-medium businesses and professionals
  • Banking as a Service platform enabling fintech partnerships and new revenue streams
  • Diversified loan portfolio reducing concentration risk
  • Integrated digital banking and mobile solutions with personalized service

Bear Case

2 risks

  • Low volatility (beta 0.7).
  • Significant premium - growth priced in

Growth

Stable outlook

Expansion of Banking as a Service platform to broker dealers and digital financial providers

Value

Significant premium - growth priced in

Momentum

Stable

+2.8% over 3m

Quality

Strong

Strong fundamentals

Dividend

None

No dividend

Earnings track record

Recent earnings results

AI-summarized recap of last quarter, plus the surprise on every print.

Next: Apr 27, 2026

Q2 26 RECAP

APR 29, 2026

Reported EPS of $0.78 vs $1.02 consensus (-23.5% surprise). Revenue of $149.4M vs $138.6M expected (+7.8%).

EPS miss
Rev beat +7.8%

EPS surprise · last 4Q

0 of 1 beats

Q2 26

-23.5%

Next: Apr 27, 2026

Revenue trend · last 8Q

+9%

-13%

-20%

-7%

+54%

+33%

Q2 24

Q3 24

Q4 24

Q1 25

Q2 25

Q3 25

Q4 25

Q1 26

$105.3M

$117.6M

$107.9M

$133.9M

$115.2M

$140.8M

$166.5M

$177.8M

Margins · last 8Q

Gross

Operating

Profit

6.8%

Wall Street consensus

2 analysts · 100% Buy

Live ratings and price targets aggregated across covering analysts.

Buy

2

100%

Hold

0%

Sell

0%

Median Price Target

$110.00

+40.4% vs $78.35

Low $110.00
Median $110.00
High $110.00

Latest: Stephens · $110.00 · May 1, 2026

1 analyst covering

vs Industry

How CCB stacks vs Banks - Regional

Stock metrics vs industry averages. Green = better than industry.

Industry comparison data unavailable for this stock.