Coastal Financial (CCB)
Market Price (6/7/2026): $70.28 | Market Cap: $1.1 BilSector: Financials | Industry: Regional Banks
Coastal Financial (CCB)
Market Price (6/7/2026): $70.28Market Cap: $1.1 BilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -135% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 63%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 61% Valuation becoming less expensiveP/S 6M Chg %Price/Sales change over 6 months. Declining P/S indicates valuation has become less expensive. is -39% Attractive yieldFCF Yield is 24% Low stock price volatilityVol 12M is 42% Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. | Weak revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is -6.3% Key risksCCB key risks include [1] an insufficient allowance for credit losses and persistent net charge-offs in its commercial and business lending portfolio, Show more. |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -135% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 63%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 61% |
| Valuation becoming less expensiveP/S 6M Chg %Price/Sales change over 6 months. Declining P/S indicates valuation has become less expensive. is -39% |
| Attractive yieldFCF Yield is 24% |
| Low stock price volatilityVol 12M is 42% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. |
| Weak revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is -6.3% |
| Key risksCCB key risks include [1] an insufficient allowance for credit losses and persistent net charge-offs in its commercial and business lending portfolio, Show more. |
Qualitative Assessment
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Updated on 6/1/2026
Coastal Financial (CCB) stock has lost about 5% since 2/28/2026 because of the following key factors:
1. Coastal Financial reported a significant earnings per share (EPS) miss for Q1 2026, falling short of the Zacks Consensus Estimate. The company reported an EPS of $0.78 per share against an expected $1.02, representing a negative surprise of 23.53%. This miss was accompanied by heightened investor concerns regarding credit risk and asset quality, particularly within its Banking-as-a-Service (CCBX) segment, evidenced by a provision for credit losses of $51.4 million and net charge-offs of $49.6 million, largely concentrated in CCBX consumer and credit card loans.
2. The company experienced a notable increase in operating expenses, leading to a deteriorating efficiency ratio and reduced profitability. Non-interest expenses escalated to $83.5 million in Q1 2026 from $58 million in Q2 2024, causing the efficiency ratio to expand from 38.08% to 55.85%. Additionally, legal and professional expenses nearly doubled to $7.00 million in Q1 2026, driven primarily by a CCBX partner's professional fees. This surge in expenses contributed to a decline in the Return on Average Assets (ROA) to 0.98% in Q1 2026, down 0.11% from Q4 2025.
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Coastal Financial (CCB) stock has lost about 5% since 2/28/2026 because of the following key factors:
1. Coastal Financial reported a significant earnings per share (EPS) miss for Q1 2026, falling short of the Zacks Consensus Estimate. The company reported an EPS of $0.78 per share against an expected $1.02, representing a negative surprise of 23.53%. This miss was accompanied by heightened investor concerns regarding credit risk and asset quality, particularly within its Banking-as-a-Service (CCBX) segment, evidenced by a provision for credit losses of $51.4 million and net charge-offs of $49.6 million, largely concentrated in CCBX consumer and credit card loans.
2. The company experienced a notable increase in operating expenses, leading to a deteriorating efficiency ratio and reduced profitability. Non-interest expenses escalated to $83.5 million in Q1 2026 from $58 million in Q2 2024, causing the efficiency ratio to expand from 38.08% to 55.85%. Additionally, legal and professional expenses nearly doubled to $7.00 million in Q1 2026, driven primarily by a CCBX partner's professional fees. This surge in expenses contributed to a decline in the Return on Average Assets (ROA) to 0.98% in Q1 2026, down 0.11% from Q4 2025.
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Stock Movement Drivers
Fundamental Drivers
The -5.3% change in CCB stock from 2/28/2026 to 6/6/2026 was primarily driven by a -9.3% change in the company's P/E Multiple.| (LTM values as of) | 2282026 | 6062026 | Change |
|---|---|---|---|
| Stock Price ($) | 74.19 | 70.24 | -5.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 405 | 409 | 1.1% |
| Net Income Margin (%) | 11.6% | 12.1% | 3.7% |
| P/E Multiple | 23.9 | 21.6 | -9.3% |
| Shares Outstanding (Mil) | 15 | 15 | -0.4% |
| Cumulative Contribution | -5.3% |
Market Drivers
2/28/2026 to 6/6/2026| Return | Correlation | |
|---|---|---|
| CCB | -5.3% | |
| Market (SPY) | 7.8% | 27.5% |
| Sector (XLF) | 2.2% | 42.3% |
Fundamental Drivers
The -36.9% change in CCB stock from 11/30/2025 to 6/6/2026 was primarily driven by a -38.6% change in the company's P/E Multiple.| (LTM values as of) | 11302025 | 6062026 | Change |
|---|---|---|---|
| Stock Price ($) | 111.35 | 70.24 | -36.9% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 410 | 409 | -0.2% |
| Net Income Margin (%) | 11.6% | 12.1% | 3.4% |
| P/E Multiple | 35.2 | 21.6 | -38.6% |
| Shares Outstanding (Mil) | 15 | 15 | -0.6% |
| Cumulative Contribution | -36.9% |
Market Drivers
11/30/2025 to 6/6/2026| Return | Correlation | |
|---|---|---|
| CCB | -36.9% | |
| Market (SPY) | 8.5% | 38.9% |
| Sector (XLF) | -1.1% | 51.7% |
Fundamental Drivers
The -20.1% change in CCB stock from 5/31/2025 to 6/6/2026 was primarily driven by a -20.8% change in the company's P/E Multiple.| (LTM values as of) | 5312025 | 6062026 | Change |
|---|---|---|---|
| Stock Price ($) | 87.89 | 70.24 | -20.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 437 | 409 | -6.3% |
| Net Income Margin (%) | 11.0% | 12.1% | 9.3% |
| P/E Multiple | 27.3 | 21.6 | -20.8% |
| Shares Outstanding (Mil) | 15 | 15 | -1.4% |
| Cumulative Contribution | -20.1% |
Market Drivers
5/31/2025 to 6/6/2026| Return | Correlation | |
|---|---|---|
| CCB | -20.1% | |
| Market (SPY) | 26.6% | 46.4% |
| Sector (XLF) | 4.2% | 55.3% |
Fundamental Drivers
The 105.3% change in CCB stock from 5/31/2023 to 6/6/2026 was primarily driven by a 124.2% change in the company's P/E Multiple.| (LTM values as of) | 5312023 | 6062026 | Change |
|---|---|---|---|
| Stock Price ($) | 34.21 | 70.24 | 105.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 258 | 409 | 58.7% |
| Net Income Margin (%) | 18.2% | 12.1% | -33.6% |
| P/E Multiple | 9.6 | 21.6 | 124.2% |
| Shares Outstanding (Mil) | 13 | 15 | -13.1% |
| Cumulative Contribution | 105.3% |
Market Drivers
5/31/2023 to 6/6/2026| Return | Correlation | |
|---|---|---|
| CCB | 105.3% | |
| Market (SPY) | 83.4% | 44.6% |
| Sector (XLF) | 72.8% | 58.5% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| CCB Return | 141% | -6% | -7% | 91% | 35% | -39% | 235% |
| Peers Return | 37% | 3% | 3% | 27% | 6% | 5% | 105% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 11% | 102% |
Monthly Win Rates [3] | |||||||
| CCB Win Rate | 75% | 25% | 50% | 75% | 58% | 17% | |
| Peers Win Rate | 60% | 40% | 47% | 55% | 47% | 43% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 67% | |
Max Drawdowns [4] | |||||||
| CCB Max Drawdown | -19% | -32% | -32% | -19% | -22% | -43% | |
| Peers Max Drawdown | -25% | -31% | -37% | -24% | -24% | -19% | |
| S&P 500 Max Drawdown | -5% | -25% | -10% | -8% | -19% | -9% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: COLB, BANR, HFWA, TBBK, CASH.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 6/5/2026 (YTD)
How Low Can It Go
| Event | CCB | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -14.4% | -18.8% |
| % Gain to Breakeven | 16.8% | 23.1% |
| Time to Breakeven | 48 days | 79 days |
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -19.2% | -9.5% |
| % Gain to Breakeven | 23.8% | 10.5% |
| Time to Breakeven | 48 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -29.3% | -6.7% |
| % Gain to Breakeven | 41.3% | 7.1% |
| Time to Breakeven | 75 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -27.8% | -24.5% |
| % Gain to Breakeven | 38.6% | 32.4% |
| Time to Breakeven | 194 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -46.7% | -33.7% |
| % Gain to Breakeven | 87.7% | 50.9% |
| Time to Breakeven | 230 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -27.9% | -19.2% |
| % Gain to Breakeven | 38.7% | 23.8% |
| Time to Breakeven | 336 days | 105 days |
In The Past
Coastal Financial's stock fell -14.4% during the 2025 US Tariff Shock. Such a loss loss requires a 16.8% gain to breakeven.
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| Event | CCB | S&P 500 |
|---|---|---|
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -29.3% | -6.7% |
| % Gain to Breakeven | 41.3% | 7.1% |
| Time to Breakeven | 75 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -27.8% | -24.5% |
| % Gain to Breakeven | 38.6% | 32.4% |
| Time to Breakeven | 194 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -46.7% | -33.7% |
| % Gain to Breakeven | 87.7% | 50.9% |
| Time to Breakeven | 230 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -27.9% | -19.2% |
| % Gain to Breakeven | 38.7% | 23.8% |
| Time to Breakeven | 336 days | 105 days |
In The Past
Coastal Financial's stock fell -14.4% during the 2025 US Tariff Shock. Such a loss loss requires a 16.8% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About Coastal Financial (CCB)
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.
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1. A smaller, regional version of a bank like U.S. Bank or KeyBank, serving Washington's Puget Sound.
2. A regional bank that also acts as a 'banking infrastructure' provider for other fintechs, much like Stripe provides payment infrastructure.
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- Deposit Accounts: Provides various deposit options including demand, savings, time, and money market accounts for individuals and businesses.
- Business Loans: Offers a range of commercial and industrial loans, such as term loans, lines of credit, and equipment financing, primarily for small to medium-sized businesses.
- Real Estate & Construction Loans: Provides financing for owner-occupied and non-owner-occupied real estate, multi-family residences, and land development and construction projects.
- Residential Mortgages: Offers loans to individuals for purchasing or refinancing residential real estate.
- Consumer Loans: Supplies various personal loans including those for automobiles, boats, recreational vehicles, and overdraft protection.
- Digital Banking Services: Delivers convenient digital tools like online and mobile banking, remote deposit capture, and debit cards.
- Business Cash Management: Provides business checking and savings accounts along with treasury services to help businesses manage their finances.
- Banking as a Service (BaaS): Operates a platform that enables broker-dealers and digital financial service providers to embed banking services for their own clients.
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Coastal Financial (CCB) primarily sells its banking products and services to other companies. Based on the provided background information, these major customer categories include:
- Small to medium-sized businesses in the Puget Sound region, which utilize a range of commercial and industrial loans, real estate loans, and business banking services.
- Broker dealers, who leverage Coastal Financial's Banking as a Service (BaaS) platform to offer banking services to their own clients.
- Digital financial service providers, who also utilize the BaaS platform to integrate banking functionalities into their offerings.
The provided background information does not specify the names of any individual customer companies.
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- Jack Henry & Associates (JKHY)
- Alkami Technology (ALKT)
- BDO USA, P.C.
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Eric M. Sprink, Chief Executive Officer
Mr. Sprink joined Coastal Financial in late 2006 as President and Chief Operating Officer, becoming Chief Executive Officer in 2010. His banking career began at Security Pacific Bank, and he subsequently held roles at Bank of America, Centura Bank, Washington Trust Bank, and Global Credit Union. Centura Bank was acquired during his tenure. He is also a director and past chairman of the Community Bankers of Washington.
Brandon Soto, Executive Vice President and Chief Financial Officer
Mr. Soto was appointed Chief Financial Officer in October 2025. Prior to joining Coastal Financial, he served as CFO of Square Financial Services, Inc., a Block, Inc. subsidiary, where he was instrumental in its establishment and growth. His career includes leadership roles at Green Dot Bank and Sallie Mae Bank, along with senior finance positions at organizations such as JPMorgan Chase and Discover Financial Services.
Brian T. Hamilton, President, CCBX
Mr. Hamilton was appointed President of CCBX, the company's FinTech and banking-as-a-service division, on September 30, 2024. He is a seasoned financial technology executive with over 25 years of experience in banking, lending, payments, and digital product development. He co-founded and served as CEO of ONE (One Finance Inc.) from January 2019 until August 2023, which was acquired by a Walmart-led joint venture in 2022. Mr. Hamilton also founded Azlo, a digital bank for small businesses, and held senior leadership roles at Capital One, Wells Fargo, and Verifone.
Curt T. Queyrouze, President, Community Bank
Curt T. Queyrouze serves as the President of the Community Bank division of Coastal Financial. No further specific background details were found in the provided search results.
Andrew G. Stines, Executive Vice President, Chief Risk Officer
Andrew G. Stines holds the position of Executive Vice President and Chief Risk Officer at Coastal Financial. No further specific background details were found in the provided search results.
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The key risks to Coastal Financial (CCB) are primarily concentrated around its Banking as a Service (BaaS) segment, coupled with broader economic and operational challenges.
- Credit and Regulatory Risks in Banking as a Service (BaaS) Segment (CCBX): Coastal Financial's CCBX segment, while a major revenue driver, introduces heightened credit risk due to instances of "substandard underwriting" and "low-quality assets requiring enormous provisions for losses." The non-performing loan ratio for CCBX operations has been noted at 1.50%, exceeding a preferred threshold of 0.50% for community bank loans. Although partner indemnification exists for credit losses, this coverage has seen a decline, raising concerns about uncompensated losses. Furthermore, the company has identified a "material weakness in its internal controls over financial reporting related to interest income and banking-as-a-service expenses" and "incorrect accounting for expense reimbursements" for certain BaaS partner loans, leading to restatements of financial reports for 2023 and the first three quarters of 2024. Rapid growth in BaaS relationships also brings concentrated regulatory and compliance risks.
- Reliance on Economic Conditions and Interest Rate Fluctuations: As a financial institution, Coastal Financial's performance is significantly influenced by overall economic conditions. Market volatility, geopolitical tensions, and trade relationships can negatively impact financial markets and economic activity, potentially leading to reduced demand for loans, increased credit losses, and a decline in collateral values. Economic instability or recessionary periods could challenge the company's ability to maintain revenue and profitability. Additionally, changes in market interest rates directly affect the bank's profitability. A potential delay in interest rate cuts by the Federal Reserve, or other rate fluctuations, can create uncertainty and impact corporate profits.
- Cybersecurity Risks: Operating extensively in the digital space through both its traditional banking services and its BaaS platform exposes Coastal Financial to significant cybersecurity risks. These include potential threats such as customer, employee, or third-party fraud, as well as data processing system failures and errors. Maintaining robust internal controls and implementing effective cybersecurity measures are critical for safeguarding the company's reputation and ensuring operational integrity.
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The increasing entry and expansion of major technology companies (e.g., Apple, Google, Amazon) into core banking services. These companies leverage their vast customer bases, extensive data, and advanced technological capabilities to offer deposit accounts (like Apple's high-yield savings account), lending products (such as Amazon Lending for businesses), and seamless payment solutions. This directly threatens Coastal Financial's traditional deposit base, consumer lending, and small to medium-sized business lending segments by providing alternative, highly integrated, and often digitally native financial products that can bypass traditional banking relationships.
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Coastal Financial (NASDAQ: CCB) is expected to drive future revenue growth over the next two to three years through several key strategies:
- Expansion of the Banking as a Service (BaaS) Segment (CCBX): The company's CCBX segment is a primary revenue generator and a significant growth opportunity. Coastal Financial plans to expand its digital offerings by leveraging existing partnerships and selectively onboarding new relationships. This dual strategy focuses on scaling existing programs and introducing new products within the BaaS space. New partnership opportunities and product launches are anticipated for 2026. The BaaS segment also contributes through fee income generated from a portion of transaction processing fees on sold credit card receivables.
- Growth in Loan Receivables: Coastal Financial anticipates continued growth in its loan portfolio. During the fourth quarter of 2025, loans receivable increased by $45.7 million, and average loans receivable as of December 31, 2025, increased by $103.5 million compared to the previous quarter, driven by net CCBX loan growth. The company intends to maintain a strategy of originating higher-quality CCBX loans and optimizing the CCBX portfolio. The community bank segment's loan portfolio, consisting primarily of commercial real estate (CRE), construction, land and land development, and commercial and industrial (C&I) loans, also contributes to this growth.
- Deposit Growth, particularly via BaaS Programs: The company projects continued solid deposit growth, with average deposits increasing by $61.1 million in Q4 2025, primarily driven by deposits associated with CCBX partner programs. This growth in deposits provides a stable funding mix and supports overall lending activities.
- Strategic Initiatives and New Product Development: Coastal Financial is focusing on introducing new products and services and leveraging strategic initiatives to enhance revenue. This includes progress in deploying artificial intelligence (AI) across the organization to improve efficiency, risk management, and customer experience. The company is also evaluating opportunities in digital assets and digital deposit solutions. Additionally, the acquisition of the GreenFi brand of climate-focused consumer financial services during Q4 2025 represents another avenue for new product offerings and potential revenue streams.
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Capital Allocation Decisions for Coastal Financial (CCB) (2021-2025)
Share Issuance
- In December 2024, Coastal Financial Corporation priced an underwritten public offering of 1,200,000 shares of its common stock at $71.00 per share, generating approximately $85.2 million in gross proceeds before expenses. With the full exercise of the underwriters' option for additional shares, the gross proceeds were expected to be around $98.0 million. The company intended to use the net proceeds for general corporate purposes, including supporting investment opportunities and the Bank's growth.
- In December 2021, Coastal Financial Corporation completed an underwritten public offering of 851,853 shares of its common stock at $40.50 per share. This offering, which included the full exercise of the underwriters' option for additional shares, resulted in aggregate gross proceeds of approximately $34.5 million before deducting underwriting discounts and estimated offering expenses.
Outbound Investments
- During the fourth quarter of 2025, Coastal Financial Corporation acquired the GreenFi brand of climate-focused consumer financial services from Mission Financial Partners. The financial terms of this acquisition were not disclosed.
Capital Expenditures
- Coastal Financial invested $1.9 million in capital expenditures during the fourth quarter of 2025, which represented a 15.9% increase from the previous quarter. These expenditures primarily focused on funding long-term assets and infrastructure.
- In 2025, the company made investments in technology and risk management to support the growth of its Banking-as-a-Service (CCBX) segment and community bank operations.
Latest Trefis Analyses
| Title | |
|---|---|
| ARTICLES |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 59.48 |
| Mkt Cap | 2.0 |
| Rev LTM | 674 |
| Op Inc LTM | - |
| FCF LTM | 277 |
| FCF 3Y Avg | 231 |
| CFO LTM | 284 |
| CFO 3Y Avg | 263 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 12.5% |
| Rev Chg 3Y Avg | 13.4% |
| Rev Chg Q | 5.1% |
| QoQ Delta Rev Chg LTM | 1.3% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 45.8% |
| CFO/Rev 3Y Avg | 42.9% |
| FCF/Rev LTM | 44.1% |
| FCF/Rev 3Y Avg | 39.0% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 2.0 |
| P/S | 3.3 |
| P/Op Inc | - |
| P/EBIT | - |
| P/E | 12.0 |
| P/CFO | 7.4 |
| Total Yield | 10.7% |
| Dividend Yield | 1.6% |
| FCF Yield 3Y Avg | 12.4% |
| D/E | 0.1 |
| Net D/E | -0.4 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | -3.6% |
| 3M Rtn | 5.8% |
| 6M Rtn | 4.8% |
| 12M Rtn | 5.5% |
| 3Y Rtn | 55.0% |
| 1M Excs Rtn | -4.4% |
| 3M Excs Rtn | -3.8% |
| 6M Excs Rtn | -2.9% |
| 12M Excs Rtn | -14.9% |
| 3Y Excs Rtn | 3.8% |
FDA Approved Drugs Data
Expand for More| Post-Approval Fwd Returns | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| FDA App # | Brand Name | Generic Name | Dosage Form | FDA Approval | 3M Rtn | 6M Rtn | 1Y Rtn | 2Y Rtn | Total Rtn |
| ANDA201211 | BROMFENAC SODIUM | bromfenac sodium | solution/drops | 5112011 | |||||
Price Behavior
Price Behavior
| Market Price | $70.24 | |
| Market Cap ($ Bil) | 1.1 | |
| First Trading Date | 07/18/2018 | |
| Distance from 52W High | -41.0% | |
| 50 Days | 200 Days | |
| DMA Price | $75.67 | $96.19 |
| DMA Trend | down | down |
| Distance from DMA | -7.2% | -27.0% |
| 3M | 1YR | |
| Volatility | 38.9% | 42.0% |
| Downside Capture | 158.66 | 195.83 |
| Upside Capture | 61.89 | 118.02 |
| Correlation (SPY) | 34.7% | 47.3% |
CCB Betas & Captures as of 5/31/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 1.19 | 0.87 | 0.74 | 1.32 | 1.66 | 1.13 |
| Up Beta | 1.63 | 0.71 | 0.77 | 1.39 | 1.59 | 0.97 |
| Down Beta | 1.84 | -1.97 | 0.68 | 1.56 | 1.99 | 1.16 |
| Up Capture | 2% | 44% | 49% | 45% | 126% | 186% |
| Bmk +ve Days | 13 | 28 | 36 | 67 | 141 | 432 |
| Stock +ve Days | 8 | 20 | 31 | 57 | 127 | 379 |
| Down Capture | 220% | 324% | 106% | 176% | 157% | 105% |
| Bmk -ve Days | 7 | 13 | 27 | 57 | 109 | 318 |
| Stock -ve Days | 12 | 21 | 32 | 67 | 122 | 370 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with CCB | |
|---|---|---|---|---|
| CCB | -17.9% | 41.9% | -0.36 | - |
| Sector ETF (XLF) | 4.6% | 14.6% | 0.09 | 55.3% |
| Equity (SPY) | 25.3% | 12.1% | 1.57 | 46.4% |
| Gold (GLD) | 27.6% | 26.9% | 0.88 | -4.5% |
| Commodities (DBC) | 36.9% | 19.0% | 1.52 | -15.8% |
| Real Estate (VNQ) | 12.5% | 13.3% | 0.63 | 28.6% |
| Bitcoin (BTCUSD) | -42.0% | 42.5% | -1.16 | 28.4% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with CCB | |
|---|---|---|---|---|
| CCB | 17.8% | 38.3% | 0.53 | - |
| Sector ETF (XLF) | 8.5% | 18.6% | 0.34 | 56.7% |
| Equity (SPY) | 13.5% | 17.1% | 0.62 | 45.4% |
| Gold (GLD) | 17.3% | 18.1% | 0.78 | -4.3% |
| Commodities (DBC) | 9.5% | 19.4% | 0.38 | 5.4% |
| Real Estate (VNQ) | 3.2% | 18.8% | 0.07 | 39.2% |
| Bitcoin (BTCUSD) | 11.3% | 54.6% | 0.40 | 21.5% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with CCB | |
|---|---|---|---|---|
| CCB | 15.7% | 48.0% | 0.57 | - |
| Sector ETF (XLF) | 12.6% | 22.2% | 0.52 | 58.4% |
| Equity (SPY) | 15.3% | 17.9% | 0.73 | 49.4% |
| Gold (GLD) | 13.0% | 16.0% | 0.67 | -0.1% |
| Commodities (DBC) | 7.1% | 18.0% | 0.32 | 14.4% |
| Real Estate (VNQ) | 5.6% | 20.7% | 0.24 | 47.8% |
| Bitcoin (BTCUSD) | 63.3% | 66.9% | 1.03 | 19.7% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Updated 6/2/2026| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 4/29/2026 | -12.7% | -13.8% | -18.6% |
| 1/29/2026 | -0.1% | -12.0% | -26.5% |
| 10/29/2025 | 0.3% | -0.7% | 6.5% |
| 7/29/2025 | -4.2% | -6.5% | 13.8% |
| 4/29/2025 | -0.9% | -9.0% | -0.9% |
| 1/28/2025 | 2.6% | 5.1% | 9.5% |
| 10/28/2024 | 8.9% | 8.2% | 33.4% |
| 7/29/2024 | 0.5% | -9.9% | 0.3% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 11 | 13 | 15 |
| # Negative | 13 | 11 | 9 |
| Median Positive | 2.5% | 6.0% | 9.5% |
| Median Negative | -2.4% | -6.5% | -3.9% |
| Max Positive | 8.9% | 19.6% | 45.1% |
| Max Negative | -12.7% | -13.8% | -26.5% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 03/31/2026 | 05/08/2026 | 10-Q |
| 12/31/2025 | 02/27/2026 | 10-K |
| 09/30/2025 | 11/07/2025 | 10-Q |
| 06/30/2025 | 08/08/2025 | 10-Q |
| 03/31/2025 | 05/09/2025 | 10-Q |
| 12/31/2024 | 03/17/2025 | 10-K |
| 09/30/2024 | 11/08/2024 | 10-Q |
| 06/30/2024 | 08/08/2024 | 10-Q |
| 03/31/2024 | 05/09/2024 | 10-Q |
| 12/31/2023 | 03/15/2024 | 10-K |
| 09/30/2023 | 11/08/2023 | 10-Q |
| 06/30/2023 | 08/08/2023 | 10-Q |
| 03/31/2023 | 05/10/2023 | 10-Q |
| 12/31/2022 | 03/16/2023 | 10-K |
| 09/30/2022 | 11/09/2022 | 10-Q |
| 06/30/2022 | 08/05/2022 | 10-Q |
Insider Activity
Updated 6/3/2026| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Hamilton, Brian T | President of CCBX | Direct | Sell | 6022026 | 71.42 | 7,000 | 499,961 | 4,826,124 | Form |
| 2 | Lane, Thomas D | Child (2) | Sell | 5112026 | 72.60 | 300 | Form | |||
| 3 | Hamilton, Brian T | President of CCBX | Direct | Sell | 5012026 | 75.44 | 3,079 | 232,273 | 5,625,472 | Form |
| 4 | Hamilton, Brian T | President of CCBX | Direct | Sell | 3032026 | 72.37 | 146 | 10,566 | 5,585,951 | Form |
| 5 | Hamilton, Brian T | President of CCBX | Direct | Sell | 2092026 | 88.95 | 48 | 4,270 | 6,878,681 | Form |
Industry Resources
| Financials Resources |
| Federal Reserve Economic Data |
| Federal Reserve |
| FDIC Data |
| American Banker |
| The Banker |
| Banking Technology |
| Regional Banks Resources |
| Bank Director |
| Independent Banker |
| S&P Global Market Intelligence |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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Core Cache Last Updated: 6/6/2026