COASTAL FINANCIAL CORP (CCB) Stock Analysis — April 2026 Rating, Price, and Forecast
Company Overview — What Does COASTAL FINANCIAL CORP Do?
Coastal Financial Corporation operates as the bank holding company for Coastal Community Bank that provides various banking products and services to small to medium-sized businesses, professionals, and individuals in the Puget Sound region in Washington. It accepts a range of deposit products, including demand and savings accounts, time deposits, and money market accounts. The company offers commercial and industrial loans, including term loans, small business administration loans, commercial lines of credit, working capital loans, equipment financing, borrowing base loans, and other loan products; owner-occupied and non-owner-occupied real estate loans, and multi-family residential loans; construction and land development loans; residential real estate loans; and consumer and other loans, including automobile, boat and recreational vehicle, and secured term loans, as well as overdraft protection. It also provides remote deposit capture, online and mobile banking, and direct and reciprocal deposit services, as well as debit cards. In addition, the company offers business accounts and cash management services, including business checking and savings accounts, and treasury services, as well as banking as a service (BaaS), a platform that allows broker dealers and digital financial service providers to offer their clients banking services. It operates 14 full-service banking locations. Coastal Financial Corporation was founded in 1997 and is headquartered in Everett, Washington. COASTAL FINANCIAL CORP (CCB) is classified as a small-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Eric M. Sprink and employs approximately 380 people. With a market capitalization of $1.2B, CCB is one of the notable companies in the Financials sector.
COASTAL FINANCIAL CORP (CCB) Stock Rating — Hold (April 2026)
As of April 2026, COASTAL FINANCIAL CORP receives a Hold rating with a composite score of 45.7/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.CCB ranks #1,869 out of 4,446 stocks in our coverage universe. Within the Financials sector, COASTAL FINANCIAL CORP ranks #541 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).
CCB Stock Price and 52-Week Range
COASTAL FINANCIAL CORP (CCB) currently trades at $82.10. The stock lost $0.62 (0.7%) in the most recent trading session. The 52-week high for CCB is $120.05, which means the stock is currently trading -31.6% from its annual peak. The 52-week low is $71.47, putting the stock 14.9% above its annual trough. Recent trading volume was 110K shares, suggesting relatively thin trading activity.
Is CCB Overvalued or Undervalued? — Valuation Analysis
COASTAL FINANCIAL CORP (CCB) carries a value factor score of 60/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 25.26x, compared to the Financials sector average of 14.88x — a premium of 70%. The price-to-book ratio stands at 2.46x, versus the sector average of 1.22x. The price-to-sales ratio is 2.83x, compared to 0.90x for the average Financials stock. On an enterprise value basis, CCB trades at 19.98x EV/EBITDA, versus 3.26x for the sector.
Overall, CCB's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.
COASTAL FINANCIAL CORP Profitability — ROE, Margins, and Quality Score
COASTAL FINANCIAL CORP (CCB) earns a quality factor score of 55/100, indicating solid business quality with consistent operational execution. The return on equity (ROE) is 9.7%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 1.0% versus the sector average of 1.2%.
On a margin basis, COASTAL FINANCIAL CORP reports gross margins of 0.0%. The operating margin is 14.1% (sector: 21.8%). Net profit margin stands at 11.2%, versus 17.7% for the average Financials stock. Revenue growth is running at 11.9% on a trailing basis, compared to 9.4% for the sector. The overall profitability profile is adequate, though there may be room for margin expansion.
CCB Debt, Balance Sheet, and Financial Health
COASTAL FINANCIAL CORP has a debt-to-equity ratio of 866.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.12x, suggesting adequate working capital coverage. Total debt on the balance sheet is $48M. Cash and equivalents stand at $35M.
CCB has a beta of 1.12, meaning it is roughly in line with the broader market in terms of price volatility. The stability factor score for COASTAL FINANCIAL CORP is 57/100, reflecting average volatility within the normal range for its sector.
COASTAL FINANCIAL CORP Revenue and Earnings History — Quarterly Trend
In TTM 2026, COASTAL FINANCIAL CORP reported revenue of $427M and earnings per share (EPS) of $3.12. Net income for the quarter was $48M. Gross margin was 0.0%. Operating income came in at $60M.
In FY 2025, COASTAL FINANCIAL CORP reported revenue of $430M and earnings per share (EPS) of $3.12. Net income for the quarter was $47M. Revenue grew 8.3% year-over-year compared to FY 2024. Operating income came in at $61M.
In Q3 2025, COASTAL FINANCIAL CORP reported revenue of $109M and earnings per share (EPS) of $0.90. Net income for the quarter was $14M. Revenue grew 3.7% year-over-year compared to Q3 2024. Operating income came in at $18M.
In Q2 2025, COASTAL FINANCIAL CORP reported revenue of $108M and earnings per share (EPS) of $0.73. Net income for the quarter was $11M. Revenue grew 10.6% year-over-year compared to Q2 2024. Operating income came in at $14M.
Over the past 8 quarters, COASTAL FINANCIAL CORP has demonstrated a growth trajectory, with revenue expanding from $97M to $427M. Investors analyzing CCB stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.
CCB Dividend Yield and Income Analysis
COASTAL FINANCIAL CORP (CCB) does not currently pay a dividend. This is common among smaller companies in the Banking industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.
CCB Momentum and Technical Analysis Profile
COASTAL FINANCIAL CORP (CCB) has a momentum factor score of 25/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 28/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 55/100 reflects moderate short selling activity.
CCB vs Competitors — Financials Sector Ranking and Peer Comparison
Within the Financials sector, COASTAL FINANCIAL CORP (CCB) ranks #541 out of 891 stocks based on the Blank Capital composite score. This places CCB in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.
Comparing CCB against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full CCB vs S&P 500 (SPY) comparison to assess how COASTAL FINANCIAL CORP stacks up against the broader market across all factor dimensions.
CCB Next Earnings Date
No upcoming earnings date has been announced for COASTAL FINANCIAL CORP (CCB) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.
Should You Buy CCB? — Investment Thesis Summary
COASTAL FINANCIAL CORP presents a balanced picture with arguments on both sides. The value score of 60/100 suggests attractive pricing relative to fundamentals. Momentum is weak at 25/100, a headwind for near-term performance.
In summary, COASTAL FINANCIAL CORP (CCB) earns a Hold rating with a composite score of 45.7/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on CCB stock.
Related Resources for CCB Investors
Explore more research and tools: CCB vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare CCB head-to-head with peers: CCB vs WTM, CCB vs OPY, CCB vs ACT.