(CCB) Coastal Financial - Overview
Stock: Deposits, Loans, Cards, Digital, BaaS
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 51.6% |
| Relative Tail Risk | -3.95% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.08 |
| Alpha | -17.38 |
| Character TTM | |
|---|---|
| Beta | 1.056 |
| Beta Downside | 1.157 |
| Drawdowns 3y | |
|---|---|
| Max DD | 29.90% |
| CAGR/Max DD | 0.80 |
Description: CCB Coastal Financial January 16, 2026
Coastal Financial Corp. (NASDAQ:CCB) is the holding company for Coastal Community Bank, which serves small- and medium-sized businesses, professionals, and individuals in Washington’s Puget Sound region. The bank’s product slate spans traditional deposit accounts (demand, savings, time-deposit, and money-market) and a broad loan portfolio that includes commercial & industrial term loans, lines of credit, SBA loans, real-estate financing, construction loans, and consumer loans such as auto and recreational-vehicle financing.
Beyond core banking, Coastal offers digital services-including remote deposit capture, online/mobile banking, and debit cards-and a “Banking-as-a-Service” (BaaS) platform that lets broker-dealers and fintech firms embed banking capabilities into their own offerings. The company was founded in 1997 and is headquartered in Everett, Washington.
Key recent metrics (Q2 2024): loan-to-deposit ratio ≈ 73 %, net interest margin ≈ 3.2 %, CET1 capital ratio ≈ 12.5 %, and earnings per share of $0.48 on revenue of $75 million. The bank’s loan growth has been driven largely by a rebound in small-business credit demand and a resilient Pacific Northwest housing market.
Sector-wide, regional banks like CCB remain sensitive to the Federal Reserve’s interest-rate trajectory; higher rates can boost net interest margins but also pressure loan demand and credit quality. Additionally, the ongoing migration of consumers to digital banking platforms creates both competitive pressure and growth opportunities for banks with robust BaaS capabilities.
For a deeper dive into CCB’s valuation metrics and peer comparison, you might explore the analytics on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 47.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.05 > 0.02 and ΔFCF/TA -0.54 > 1.0 |
| NWC/Revenue: 651.9% < 20% (prev -543.2%; Δ 1195 % < -1%) |
| CFO/TA 0.05 > 3% & CFO 258.7m > Net Income 47.0m |
| Net Debt (-29.3m) to EBITDA (66.1m): -0.44 < 3 |
| Current Ratio: 728.9 > 1.5 & < 3 |
| Outstanding Shares: last quarter (15.5m) vs 12m ago 8.33% < -2% |
| Gross Margin: 43.90% > 18% (prev 0.30%; Δ 4360 % > 0.5%) |
| Asset Turnover: 12.56% > 50% (prev 13.97%; Δ -1.41% > 0%) |
| Interest Coverage Ratio: 0.37 > 6 (EBITDA TTM 66.1m / Interest Expense TTM 119.6m) |
Altman Z'' 5.38
| A: 0.77 (Total Current Assets 3.63b - Total Current Liabilities 4.98m) / Total Assets 4.74b |
| B: 0.05 (Retained Earnings 257.5m / Total Assets 4.74b) |
| C: 0.01 (EBIT TTM 44.1m / Avg Total Assets 4.43b) |
| D: 0.12 (Book Value of Equity 491.0m / Total Liabilities 4.25b) |
| Altman-Z'' Score: 5.38 = AAA |
Beneish M 1.00
| DSRI: 105.7 (Receivables 3.60b/35.2m, Revenue 556.5m/575.8m) |
| GMI: 0.69 (GM 43.90% / 30.30%) |
| AQI: 0.26 (AQ_t 0.23 / AQ_t-1 0.87) |
| SGI: 0.97 (Revenue 556.5m / 575.8m) |
| TATA: -0.04 (NI 47.0m - CFO 258.7m) / TA 4.74b) |
| Beneish M-Score: 82.32 (Cap -4..+1) = D |
What is the price of CCB shares?
Over the past week, the price has changed by -8.19%, over one month by -25.49%, over three months by -15.79% and over the past year by -1.75%.
Is CCB a buy, sell or hold?
- StrongBuy: 3
- Buy: 1
- Hold: 0
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the CCB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 131.6 | 49.6% |
| Analysts Target Price | 131.6 | 49.6% |
| ValueRay Target Price | 101 | 14.9% |
CCB Fundamental Data Overview February 04, 2026
P/E Forward = 16.7224
P/S = 4.3354
P/B = 3.1088
Revenue TTM = 556.5m USD
EBIT TTM = 44.1m USD
EBITDA TTM = 66.1m USD
Long Term Debt = 48.0m USD (from longTermDebt, two quarters ago)
Short Term Debt = 4.98m USD (from shortTermDebt, last quarter)
Debt = 4.98m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -29.3m USD (from netDebt column, last quarter)
Enterprise Value = 1.46b USD (1.49b + Debt 4.98m - CCE 34.3m)
Interest Coverage Ratio = 0.37 (Ebit TTM 44.1m / Interest Expense TTM 119.6m)
EV/FCF = 5.86x (Enterprise Value 1.46b / FCF TTM 249.2m)
FCF Yield = 17.06% (FCF TTM 249.2m / Enterprise Value 1.46b)
FCF Margin = 44.78% (FCF TTM 249.2m / Revenue TTM 556.5m)
Net Margin = 8.44% (Net Income TTM 47.0m / Revenue TTM 556.5m)
Gross Margin = 43.90% ((Revenue TTM 556.5m - Cost of Revenue TTM 312.2m) / Revenue TTM)
Gross Margin QoQ = 54.03% (prev 37.71%)
Tobins Q-Ratio = 0.31 (Enterprise Value 1.46b / Total Assets 4.74b)
Interest Expense / Debt = 572.3% (Interest Expense 28.5m / Debt 4.98m)
Taxrate = 26.41% (4.54m / 17.2m)
NOPAT = 32.4m (EBIT 44.1m * (1 - 26.41%))
Current Ratio = 728.9 (out of range, set to none) (Total Current Assets 3.63b / Total Current Liabilities 4.98m)
Debt / Equity = 0.01 (Debt 4.98m / totalStockholderEquity, last quarter 491.0m)
Debt / EBITDA = -0.44 (Net Debt -29.3m / EBITDA 66.1m)
Debt / FCF = -0.12 (Net Debt -29.3m / FCF TTM 249.2m)
Total Stockholder Equity = 469.5m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.06% (Net Income 47.0m / Total Assets 4.74b)
RoE = 10.01% (Net Income TTM 47.0m / Total Stockholder Equity 469.5m)
RoCE = 8.52% (EBIT 44.1m / Capital Employed (Equity 469.5m + L.T.Debt 48.0m))
RoIC = 6.35% (NOPAT 32.4m / Invested Capital 510.3m)
WACC = 9.78% (E(1.49b)/V(1.49b) * Re(9.81%) + (debt cost/tax rate unavailable))
Discount Rate = 9.81% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 6.31%
[DCF Debug] Terminal Value 75.71% ; FCFF base≈245.1m ; Y1≈302.3m ; Y5≈514.9m
Fair Price DCF = 423.5 (EV 6.38b - Net Debt -29.3m = Equity 6.41b / Shares 15.1m; r=9.78% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 17.29 | EPS CAGR: 16.67% | SUE: -1.97 | # QB: 0
Revenue Correlation: 83.10 | Revenue CAGR: 47.01% | SUE: 4.0 | # QB: 1
EPS next Quarter (2026-03-31): EPS=1.03 | Chg30d=-0.202 | Revisions Net=-3 | Analysts=5
EPS current Year (2026-12-31): EPS=5.28 | Chg30d=-0.816 | Revisions Net=-2 | Growth EPS=+73.7% | Growth Revenue=+13.9%
EPS next Year (2027-12-31): EPS=7.71 | Chg30d=-0.358 | Revisions Net=-1 | Growth EPS=+46.0% | Growth Revenue=+24.4%