Tearsheet

Coastal Financial (CCB)

Market Price (4/19/2026): $83.28 | Market Cap: $1.3 Bil
Sector: Financials | Industry: Regional Banks

Coastal Financial (CCB)

Market Price (4/19/2026): $83.28
Market Cap: $1.3 Bil
Sector: Financials
Industry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -54%

Attractive cash flow generation
CFO/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%

Attractive yield
FCF Yield is 20%

Low stock price volatility
Vol 12M is 40%

Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.

Meaningful short interest
Short Interest Days-to-CoverDTC = (Short Interest Share Quantity) / (Average Daily Trading Volume). Reflects how many days it would take to cover (close out) the short interest based on average volumes. High DTC can signify an increased risk of a short squeeze. is 12.21, Short Interest % of Basic SharesShort Interest % of Basic Shares = (Short Interest Quantity) / (Basic Shares Outstanding). A high fraction of short interest can indicate potential risk of a short squeeze. is 11%

Weak revenue growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is -11%, Rev Chg QQuarterly Revenue Change % is -4.5%

Key risks
CCB key risks include [1] an insufficient allowance for credit losses and persistent net charge-offs in its commercial and business lending portfolio, Show more.

0	Cash is significant % of market cap Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -54%
1	Attractive cash flow generation CFO/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%
2	Attractive yield FCF Yield is 20%
3	Low stock price volatility Vol 12M is 40%
4	Megatrend and thematic drivers Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.
5	Meaningful short interest Short Interest Days-to-CoverDTC = (Short Interest Share Quantity) / (Average Daily Trading Volume). Reflects how many days it would take to cover (close out) the short interest based on average volumes. High DTC can signify an increased risk of a short squeeze. is 12.21, Short Interest % of Basic SharesShort Interest % of Basic Shares = (Short Interest Quantity) / (Basic Shares Outstanding). A high fraction of short interest can indicate potential risk of a short squeeze. is 11%
6	Weak revenue growth Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is -11%, Rev Chg QQuarterly Revenue Change % is -4.5%
7	Key risks CCB key risks include [1] an insufficient allowance for credit losses and persistent net charge-offs in its commercial and business lending portfolio, Show more.

Valuation, Metrics & Events

	4/19/26	2025	2024	2023	2022
Share Price CYE	$83.28	$114.59	$84.91	$44.41	$47.52
Market Cap CYE ($ Bil)	1.3	1.7	1.2	0.6	0.6
Total Debt ($ Bil)	0.1	0.1	0.1	0.1	0.1
Total Cash ($ Bil)	0.7	0.7	0.5	0.5	0.3
Enterprise Value ($ Bil)	0.6	1.8	1.3	0.7	0.7
Valuation Ratios
P/S TTM	3.1	4.3	2.7	1.7	2.9
P/EBIT TTM	-	-	-	-	-
P/E TTM	26.8	36.9	26.6	13.2	15.2
P/FCF TTM	5.1	7.0	4.8	3.2	9.6
Sector Ratios
P/S TTM (Sector)	3.3	3.1	3.1	2.7	2.7
P/EBIT TTM (Sector)	6.8	6.5	8.0	7.1	6.7
P/E TTM (Sector)	11.7	11.0	11.4	9.8	9.2
P/FCF TTM (Sector)	8.9	8.6	8.9	7.7	6.4

	4/19/26	2025	2024
Share Price CYE	$83.28	$114.59	$84.91
Market Cap CYE ($ Bil)	1.3	1.7	1.2
Total Debt ($ Bil)	0.1	0.1	0.1
Total Cash ($ Bil)	0.7	0.7	0.5
Enterprise Value ($ Bil)	0.6	1.8	1.3
Valuation Ratios
P/S TTM	3.1	4.3	2.7
P/EBIT TTM	-	-	-
P/E TTM	26.8	36.9	26.6
P/FCF TTM	5.1	7.0	4.8
Sector Ratios
P/S TTM (Sector)	3.3	3.1	3.1
P/EBIT TTM (Sector)	6.8	6.5	8.0
P/E TTM (Sector)	11.7	11.0	11.4
P/FCF TTM (Sector)	8.9	8.6	8.9

	CCB	S&P 500
REVENUE GROWTH	POOR
Rev LTM ($ Bil)	0.4
Rev Chg Q	-4.5%	7.5%
Rev Chg LTM	-10.7%	6.8%
Rev Chg 3Y Avg	27.9%	5.7%
PROFITABILITY	FAIR
Op Inc LTM ($ Bil)	�
CFO LTM ($ Bil)	0.3
Net Inc LTM ($ Bil)	0.0
CFO/Rev LTM	62.9%	20.6%
Net Inc Mgn	11.6%	12.8%
VALUATION	HIGH
P/S	3.1	3.3
P/CFO	4.9	15.8
P/FCF	5.1	20.6
P/E	26.8	24.5

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Metric	Value	Date	Source
BaaS program fee income	7600000	9302025	Link
Credit cards with fee earning potential	237024	3312025	Link
CCBX partners in testing	2	6302025	Link
CCBX partners in implementation/onboarding	2	6302025	Link
CCBX partners with signed letters of intent (LOI)	5	6302025	Link
Percentage of CCBX loan partner balances indemnified against credit risk	98.9%	9302025	Link
CCBX loans sold	1620000000	9302025	Link

Upcoming
5/05/2026	Earnings Release	Rev: $138 Mil (E) EPS: $1.03 (E)

Price Chart

Return (1M):

Why The Stock Moved

Qualitative Assessment

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Coastal Financial (CCB) stock has lost about 25% since 12/31/2025 because of the following key factors:

1. Coastal Financial reported a significant earnings miss for Q4 2025, announced on January 29, 2026. The company's reported earnings per share (EPS) of $0.82 fell short of the consensus estimate of $1.16 by $0.34. Additionally, quarterly revenue of $56.49 million was substantially below analyst estimates of $140.81 million. This underperformance was described as a disappointing quarter with significant misses in both revenue and net interest income estimates. Furthermore, the return on average assets (ROA) decreased to 1.09% for the quarter ended December 31, 2025, down from 1.19% in the prior quarter and 1.30% in the same quarter of the previous year.

2. The broader regional banking sector faced headwinds and underperformance during Q1 2026, exacerbated by macroeconomic concerns. Regional banks generally experienced declines post-Q4 earnings, with the group averaging a 3-5% decrease. The sector was pressured by a macro environment impacted by the Iran conflict and its inflationary fallout, which included rising oil prices exceeding $104 per barrel and surging Treasury yields, clouding the interest rate outlook. This contributed to an average 6% decline for the sector since Q4 earnings.

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Stock Movement Drivers

Fundamental Drivers

The -27.3% change in CCB stock from 12/31/2025 to 4/18/2026 was primarily driven by a -26.1% change in the company's P/E Multiple.

(LTM values as of)	12312025	4182026	Change
Stock Price ($)	114.59	83.29	-27.3%
Change Contribution By:
Total Revenues ($ Mil)	410	405	-1.2%
Net Income Margin (%)	11.6%	11.6%	-0.3%
P/E Multiple	36.2	26.8	-26.1%
Shares Outstanding (Mil)	15	15	-0.2%
Cumulative Contribution			-27.3%

LTM = Last Twelve Months as of date shown

Market Drivers

12/31/2025 to 4/18/2026

	Return	Correlation
CCB	-27.3%
Market (SPY)	-5.4%	47.7%
Sector (XLF)	-4.3%	59.4%

Fundamental Drivers

The -23.0% change in CCB stock from 9/30/2025 to 4/18/2026 was primarily driven by a -21.6% change in the company's P/E Multiple.

(LTM values as of)	9302025	4182026	Change
Stock Price ($)	108.17	83.29	-23.0%
Change Contribution By:
Total Revenues ($ Mil)	416	405	-2.8%
Net Income Margin (%)	11.4%	11.6%	1.6%
P/E Multiple	34.2	26.8	-21.6%
Shares Outstanding (Mil)	15	15	-0.6%
Cumulative Contribution			-23.0%

LTM = Last Twelve Months as of date shown

Market Drivers

9/30/2025 to 4/18/2026

	Return	Correlation
CCB	-23.0%
Market (SPY)	-2.9%	54.3%
Sector (XLF)	-2.3%	58.3%

Fundamental Drivers

The -7.9% change in CCB stock from 3/31/2025 to 4/18/2026 was primarily driven by a -10.7% change in the company's Total Revenues ($ Mil).

(LTM values as of)	3312025	4182026	Change
Stock Price ($)	90.41	83.29	-7.9%
Change Contribution By:
Total Revenues ($ Mil)	453	405	-10.7%
Net Income Margin (%)	10.0%	11.6%	16.3%
P/E Multiple	28.3	26.8	-5.5%
Shares Outstanding (Mil)	14	15	-6.2%
Cumulative Contribution			-7.9%

LTM = Last Twelve Months as of date shown

Market Drivers

3/31/2025 to 4/18/2026

	Return	Correlation
CCB	-7.9%
Market (SPY)	16.3%	50.4%
Sector (XLF)	6.3%	57.3%

Fundamental Drivers

The 131.3% change in CCB stock from 3/31/2023 to 4/18/2026 was primarily driven by a 131.9% change in the company's P/E Multiple.

(LTM values as of)	3312023	4182026	Change
Stock Price ($)	36.01	83.29	131.3%
Change Contribution By:
Total Revenues ($ Mil)	212	405	91.0%
Net Income Margin (%)	19.2%	11.6%	-39.4%
P/E Multiple	11.6	26.8	131.9%
Shares Outstanding (Mil)	13	15	-13.8%
Cumulative Contribution			131.3%

LTM = Last Twelve Months as of date shown

Market Drivers

3/31/2023 to 4/18/2026

	Return	Correlation
CCB	131.3%
Market (SPY)	63.3%	47.1%
Sector (XLF)	70.3%	60.2%

Return vs. Risk

Price Returns Compared

	2021	2022	2023	2024	2025	2026	Total [1]
Returns
CCB Return	141%	-6%	-7%	91%	35%	-28%	295%
Peers Return	37%	3%	3%	27%	6%	9%	115%
S&P 500 Return	27%	-19%	24%	23%	16%	3%	87%
Monthly Win Rates [3]
CCB Win Rate	75%	25%	50%	75%	58%	50%
Peers Win Rate	60%	40%	47%	55%	47%	60%
S&P 500 Win Rate	75%	42%	67%	75%	67%	50%
Max Drawdowns [4]
CCB Max Drawdown	-6%	-29%	-31%	-19%	-7%	-36%
Peers Max Drawdown	-4%	-22%	-27%	-21%	-16%	-7%
S&P 500 Max Drawdown	-1%	-25%	-1%	-2%	-15%	-7%

[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 4/17/2026 (YTD)

How Low Can It Go

Unique Key	Event	CCB	S&P 500
2022 Inflation Shock	2022 Inflation Shock
2022 Inflation Shock% Loss	% Loss	-39.0%	-25.4%
2022 Inflation Shock% Gain to Breakeven	% Gain to Breakeven	64.0%	34.1%
2022 Inflation ShockTime to Breakeven	Time to Breakeven	476 days	464 days
2020 Covid Pandemic	2020 Covid Pandemic
2020 Covid Pandemic% Loss	% Loss	-50.2%	-33.9%
2020 Covid Pandemic% Gain to Breakeven	% Gain to Breakeven	100.9%	51.3%
2020 Covid PandemicTime to Breakeven	Time to Breakeven	236 days	148 days
2018 Correction	2018 Correction
2018 Correction% Loss	% Loss	-30.6%	-19.8%
2018 Correction% Gain to Breakeven	% Gain to Breakeven	44.0%	24.7%
2018 CorrectionTime to Breakeven	Time to Breakeven	409 days	120 days

Compare to COLB, BANR, HFWA, TBBK, CASH

In The Past

Coastal Financial's stock fell -39.0% during the 2022 Inflation Shock from a high on 12/7/2022. A -39.0% loss requires a 64.0% gain to breakeven.

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About Coastal Financial (CCB)

Business Description Analogies Products Customers Suppliers Management Key Risks Emerging Threats Market Size Revenue Drivers Capital Allocation

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.

Interactive Breakdown

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Better Bets vs. Coastal Financial (CCB)

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Latest Trefis Analyses

	Title	Date
0	DASHBOARDS
1	Can Coastal Financial Stock Hold Up When Markets Turn?	10/17/2025
2	Why Coastal Financial Stock Moved: CCB Stock Has Gained 159% Since 2023 Fiscal End, Primarily Due To Favorable Change In Price To Sales Multiple (P/S)	08/08/2025
3	Coastal Financial (CCB) Valuation Ratios Comparison	08/08/2025
4	CCB Dip Buy Analysis	07/10/2025
5	Time To Buy Coastal Financial Stock?	05/16/2025
6	Coastal Financial (CCB) Operating Cash Flow Comparison	02/17/2025
7	Coastal Financial (CCB) Net Income Comparison	02/15/2025

	Title
0	ARTICLES

Trade Ideas

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HBAN_3312026_Insider_Buying_45D_2Buy_200K	03312026	HBAN	Huntington Bancshares	Insider	Insider Buys 45DStrong Insider Buying Companies with multiple insider buys in the last 45 days	0.0%	0.0%	0.0%
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JKHY_3272026_Monopoly_xInd_xCD_Getting_Cheaper	03272026	JKHY	Jack Henry & Associates	Monopoly	MY \| Getting CheaperMonopoly-Like with P/S Decline Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple	3.1%	3.1%	0.0%
MKTX_3202026_Dip_Buyer_FCFYield	03202026	MKTX	MarketAxess	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	-5.2%	-5.2%	-5.7%
RYAN_3202026_Insider_Buying_GTE_1Mil_EBITp+DE_V2	03202026	RYAN	Ryan Specialty	Insider	Insider Buys \| Low D/EStrong Insider Buying Companies with strong insider buying in the last 1 month, positive operating income and reasonable debt / market cap	-2.7%	-2.7%	-8.5%
CCB_3312025_Quality_Momentum_RoomToRun_10%	03312025	CCB	Coastal Financial	Quality	Q \| Momentum \| UpsideQuality Stocks with Momentum and Upside Buying quality stocks with strong momentum but still having room to run	29.2%	-15.8%	-18.8%

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DOW	Dow	25.6	-10.8%	54.1%
IPI	Intrepid Potash	0.5	-10.4%	26.9%
CVI	CVR Energy	3.0	-10.4%	15.7%
PARR	Par Pacific	2.8	-10.0%	63.1%
NFLX	Netflix	411.5	-9.7%	3.8%
CF	CF Industries	17.6	-9.6%	46.5%

Top Gainers

Ticker	Company	Mkt Cap (B)	1W Rtn	YTD Rtn
AVNS	Avanos Medical	1.1	73.6%	119.2%
CAR	Avis Budget	17.4	64.7%	284.9%
IONQ	IonQ	16.0	60.1%	2.7%
RVMD	Revolution Medicines	28.9	54.1%	86.6%
QBTS	D-Wave Quantum	7.7	52.2%	-17.1%
NN	NextNav	3.1	49.4%	37.2%
HIMS	Hims & Hers Health	6.5	48.3%	-11.2%
TSHA	Taysha Gene Therapies	2.3	43.2%	16.9%
BAND	Bandwidth	0.7	42.6%	48.9%
SYRE	Spyre Therapeutics	5.4	42.3%	122.9%

Top Losers

Ticker	Company	Mkt Cap (B)	1W Rtn	YTD Rtn
REPL	Replimune	0.2	-54.4%	-77.7%
IIIN	Insteel Industries	0.5	-28.0%	-17.1%
BMI	Badger Meter	3.4	-25.6%	-33.6%
SENEA	Seneca Foods	1.0	-16.2%	26.8%
HPK	HighPeak Energy	0.7	-15.7%	12.8%
REPX	Riley Exploration Permian	0.7	-15.4%	28.6%
LCID	Lucid	2.4	-14.9%	-30.9%
KMX	CarMax	6.0	-12.5%	5.8%
WINA	Winmark	1.4	-12.3%	-3.6%
ALLO	Allogene Therapeutics	0.5	-12.1%	74.5%

Top Gainers

Ticker	Company	Mkt Cap (B)	1M Rtn	YTD Rtn
CAR	Avis Budget	17.4	386.5%	284.9%
SATL	Satellogic	0.9	134.1%	270.6%
AEHR	Aehr Test Systems	2.5	131.0%	315.4%
APLS	Apellis Pharmaceuticals	5.2	128.6%	62.8%
CBIO	Crescent Biopharma	0.6	105.6%	79.4%
KOD	Kodiak Sciences	2.4	103.4%	60.6%
FBYD	Falcons Beyond Global	0.5	103.1%	-9.6%
YSS	York Space Systems	4.5	96.3%	6.3%
FLY	Firefly Aerospace	7.0	88.5%	95.4%
LWLG	Lightwave Logic	1.7	88.0%	287.0%

Top Losers

Ticker	Company	Mkt Cap (B)	1M Rtn	YTD Rtn
PIPR	Piper Sandler Cos	6.1	-69.4%	8.7%
REPL	Replimune	0.2	-67.9%	-77.7%
VRDN	Viridian Therapeutics	1.4	-46.6%	-52.4%
MAZE	Maze Therapeutics	1.3	-42.0%	-32.2%
BUR	Burford Capital	1.1	-39.7%	-44.4%
WVE	WAVE Life Sciences	1.4	-37.1%	-55.9%
TE	T1 Energy	0.8	-31.4%	-24.7%
BTU	Peabody Energy	3.1	-29.3%	-13.4%
CSIQ	Canadian Solar	0.9	-28.7%	-44.5%
LCID	Lucid	2.4	-26.6%	-30.9%

Peer Comparisons

Peers to compare with:

Financials

	CCB	COLB	BANR	HFWA	TBBK	CASH	Median
Name	Coastal .	Columbia.	Banner	Heritage.	Bancorp	Pathward.
Mkt Price	83.29	29.63	64.58	27.49	61.70	99.35	63.14
Mkt Cap	1.3	8.8	2.2	0.9	2.7	2.2	2.2
Rev LTM	405	2,301	654	246	704	683	669
Op Inc LTM	-	-	-	-	-	-	-
FCF LTM	246	706	248	86	256	422	252
FCF 3Y Avg	227	665	257	82	211	170	219
CFO LTM	255	746	257	95	265	631	261
CFO 3Y Avg	235	692	269	90	221	444	252

Growth & Margins

	CCB	COLB	BANR	HFWA	TBBK	CASH	Median
Name	Coastal .	Columbia.	Banner	Heritage.	Bancorp	Pathward.
Rev Chg LTM	-10.7%	19.3%	8.5%	13.5%	31.6%	6.2%	11.0%
Rev Chg 3Y Avg	27.9%	24.4%	1.7%	0.1%	26.3%	8.6%	16.5%
Rev Chg Q	-4.5%	47.2%	4.2%	16.3%	7.5%	7.3%	7.4%
QoQ Delta Rev Chg LTM	-1.2%	11.1%	1.0%	3.9%	1.7%	1.4%	1.6%
Op Inc Chg LTM	-	-	-	-	-	-	-
Op Inc Chg 3Y Avg	-	-	-	-	-	-	-
Op Mgn LTM	-	-	-	-	-	-	-
Op Mgn 3Y Avg	-	-	-	-	-	-	-
QoQ Delta Op Mgn LTM	-	-	-	-	-	-	-
CFO/Rev LTM	62.9%	32.4%	39.4%	38.5%	37.7%	92.3%	38.9%
CFO/Rev 3Y Avg	58.4%	33.4%	43.2%	37.7%	39.3%	67.8%	41.3%
FCF/Rev LTM	60.8%	30.7%	37.9%	34.8%	36.3%	61.7%	37.1%
FCF/Rev 3Y Avg	56.4%	32.1%	41.2%	34.5%	37.5%	25.0%	36.0%

Valuation

	CCB	COLB	BANR	HFWA	TBBK	CASH	Median
Name	Coastal .	Columbia.	Banner	Heritage.	Bancorp	Pathward.
Mkt Cap	1.3	8.8	2.2	0.9	2.7	2.2	2.2
P/S	3.1	3.8	3.4	3.8	3.8	3.2	3.6
P/Op Inc	-	-	-	-	-	-	-
P/EBIT	-	-	-	-	-	-	-
P/E	26.8	15.9	11.3	13.8	11.7	11.6	12.8
P/CFO	4.9	11.8	8.6	9.8	10.1	3.5	9.2
Total Yield	3.7%	10.1%	11.9%	10.7%	8.5%	8.8%	9.5%
Dividend Yield	0.0%	3.8%	3.1%	3.5%	0.0%	0.2%	1.6%
FCF Yield 3Y Avg	22.1%	10.5%	12.3%	10.4%	8.4%	10.1%	10.5%
D/E	0.0	0.4	0.1	0.0	0.1	0.0	0.1
Net D/E	-0.5	0.1	-0.1	-0.8	0.0	-0.6	-0.3

Returns

	CCB	COLB	BANR	HFWA	TBBK	CASH	Median
Name	Coastal .	Columbia.	Banner	Heritage.	Bancorp	Pathward.
1M Rtn	9.4%	12.2%	10.4%	9.9%	16.7%	8.7%	10.2%
3M Rtn	-26.3%	3.7%	0.3%	10.6%	-11.4%	32.1%	2.0%
6M Rtn	-18.3%	25.0%	6.3%	27.5%	-13.6%	39.7%	15.6%
12M Rtn	0.0%	41.0%	10.2%	31.1%	35.3%	41.6%	33.2%
3Y Rtn	142.8%	60.1%	36.8%	57.7%	121.1%	137.6%	90.6%
1M Excs Rtn	2.9%	5.5%	3.5%	3.6%	10.3%	2.4%	3.5%
3M Excs Rtn	-29.4%	-0.1%	-3.9%	5.9%	-15.0%	27.2%	-2.0%
6M Excs Rtn	-28.4%	9.4%	-2.0%	13.1%	-27.8%	24.8%	3.7%
12M Excs Rtn	-28.5%	10.6%	-20.7%	0.4%	1.9%	9.6%	1.1%
3Y Excs Rtn	78.2%	-12.1%	-35.5%	-16.3%	48.8%	71.2%	18.4%

FDIC Bank Data

Bank Capital

null

Bank Deposits

null

Bank Assets

null

Bank Loans

null

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

	Post-Approval Fwd Returns
ANDA201211	BROMFENAC SODIUM	bromfenac sodium	solution/drops	5112011

Financials

Annual
Quarterly

$ Mil \| FY: 12/31	LTM	2025	2024	2023	2022	2021	2020
Period End	12/31/2025	12/31/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020
Filing Date	2/27/2026	2/27/2026	3/17/2025	3/15/2024	3/16/2023	3/14/2022	3/12/2021
Key Financials
Total Revenue	405	405	453	349	212	102	65
Net Income	47	47	45	45	41	27	15
EPS	3.12	3.12	3.35	3.36	3.14	2.25	1.27
Growth Rates
Total Revenue Growth	-10.7%	-10.7%	29.8%	64.6%	108.1%	56.0%	29.8%
Net Income Growth	3.9%	3.9%	1.4%	9.7%	50.4%	78.3%	14.7%
Margins
Net Income Margin	11.6%	11.6%	10.0%	12.8%	19.2%	26.5%	23.2%
Cash & Debt
Total Cash	737	737	453	583	439	848	184
Total Debt	53	53	53	54	53	59	46
Net Debt / (Cash)	-684	-684	-399	-529	-387	-789	-138
Cash Flows
Net Cash from Operations	255	255	260	192	67	30	19
Free Cash from Operations	246	246	250	185	64	27	14
Returns to Shareholders
Dividends	0	-0	-0	-0	-0	-0	-0
Share Repurchases	4	4	-0	-0	-0	-0	-0

$ Mil \| FY: 12/31	2025Q4	2025Q3	2025Q2	2025Q1	2024Q4	2024Q3	2024Q2	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1
Period End	12/31/2025	9/30/2025	6/30/2025	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023
Filing Date	2/27/2026	11/7/2025	8/8/2025	5/9/2025	3/17/2025	11/8/2024	8/8/2024	5/9/2024	3/15/2024	11/8/2023	8/8/2023	5/10/2023
Key Financials Quarterly
Total Revenue	106	110	84	105	111	116	105	121	96	71	97	84
Net Income	13	14	11	10	13	13	12	7	9	10	13	12
EPS	0.84	0.90	0.73	0.65	0.97	1.00	0.86	0.51	0.68	0.77	0.97	0.94
Key Financials TTM
Total Revenue TTM	405	410	416	437	453	438	393	386	349	323	308	258
Net Income TTM	47	48	48	48	45	41	38	39	45	49	50	47
Growth Rates Quarterly
Total Revenue Growth	-4.5%	-5.7%	-19.5%	-13.4%	15.1%	63.9%	7.3%	44.0%	36.5%	26.0%	108.6%	119.4%
Net Income Growth	-5.4%	1.0%	-4.9%	43.1%	48.3%	31.0%	-10.2%	-45.1%	-31.3%	-7.5%	26.8%	98.9%
Margins Quarterly
Net Income Margin	12.0%	12.4%	13.1%	9.3%	12.1%	11.6%	11.1%	5.6%	9.4%	14.5%	13.3%	14.7%
Cash & Debt
Total Cash	737	642	720	624	453	484	487	515	583	574	373	492
Total Debt	53	53	53	53	53	53	54	54	54	54	54	53
Net Debt / (Cash)	-684	-589	-667	-571	-399	-431	-434	-461	-529	-520	-319	-439
Cash Flows Quarterly
FCF from Operations	58	59	66	72	68	63	72	57	45	65	34	47
Cash Flows TTM
FCF from Operations TTM	255	265	269	275	260	237	239	202	192	171	127	106
Returns to Shareholders Quarterly
Dividends	0	0	0	0	0	0	0	0	0	0	0	0
Share Repurchases	1	0	1	1	-0	-0	-0	-0	-0	-0	-0	-0
Return on Invested Capital (ROIC) Quarterly
ROIC	-	-	-	-	-	-	-	-	-	-	-	-
Return on Invested Capital (ROIC) TTM
ROIC TTM	-	-	-	-	-	-	-	-	-	-	-	-

Segment Financials

Revenue by Segment

$ Mil	2025	2024	2023	2022	2021
Single segment					65
Total					65

Assets by Segment

$ Mil	2025	2024	2023	2022
CCBX	2,100	1,900	1,302	353
Community bank	1,897	1,843	1,624	2,283
Treasury & Administration	125	10	218
Total	4,121	3,753	3,144	2,636

Price Behavior

Price Behavior

Market Price	$83.29
Market Cap ($ Bil)	1.3
First Trading Date	07/18/2018
Distance from 52W High	-30.0%
	50 Days	200 Days
DMA Price	$79.69	$100.74
DMA Trend	down	down
Distance from DMA	4.5%	-17.3%
	3M	1YR
Volatility	45.2%	40.6%
Downside Capture	1.00	0.80
Upside Capture	81.96	118.53
Correlation (SPY)	50.8%	49.1%

CCB Betas & Captures as of 3/31/2026

	1M	2M	3M	6M	1Y	3Y
Beta	0.88	1.96	1.72	1.78	1.12	1.20
Up Beta	0.06	1.14	2.93	2.03	0.87	1.06
Down Beta	2.34	2.06	1.80	2.29	1.26	1.20
Up Capture	56%	153%	40%	89%	112%	239%
Bmk +ve Days	7	16	27	65	139	424
Stock +ve Days	11	17	24	62	128	374
Down Capture	16%	224%	204%	167%	128%	106%
Bmk -ve Days	12	23	33	58	110	323
Stock -ve Days	11	25	39	64	123	374

[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	4.0%	40.5%	0.20	-
Sector ETF (XLF)	12.1%	15.3%	0.55	55.2%
Equity (SPY)	21.1%	12.9%	1.32	48.1%
Gold (GLD)	50.9%	27.5%	1.49	-10.7%
Commodities (DBC)	25.2%	16.2%	1.40	-2.3%
Real Estate (VNQ)	17.5%	13.7%	0.93	25.4%
Bitcoin (BTCUSD)	-7.8%	42.6%	-0.08	31.6%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Based On 5-Year Data

	Annualized Return	Annualized Volatility	Sharpe Ratio	Correlation with CCB
CCB	24.9%	38.2%	0.68	-
Sector ETF (XLF)	10.0%	18.7%	0.42	56.9%
Equity (SPY)	10.8%	17.1%	0.49	45.6%
Gold (GLD)	22.6%	17.8%	1.04	-5.3%
Commodities (DBC)	11.6%	18.8%	0.51	8.0%
Real Estate (VNQ)	4.4%	18.8%	0.14	38.8%
Bitcoin (BTCUSD)	5.2%	56.5%	0.31	21.2%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Based On 10-Year Data

	Annualized Return	Annualized Volatility	Sharpe Ratio	Correlation with CCB
CCB	17.7%	48.0%	0.62	-
Sector ETF (XLF)	13.4%	22.2%	0.55	58.7%
Equity (SPY)	14.0%	17.9%	0.67	49.7%
Gold (GLD)	14.3%	15.9%	0.75	-0.7%
Commodities (DBC)	8.5%	17.6%	0.40	16.5%
Real Estate (VNQ)	5.6%	20.7%	0.24	48.0%
Bitcoin (BTCUSD)	68.4%	66.9%	1.07	19.8%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date	3312026
Short Interest: Shares Quantity	1.7 Mil
Short Interest: % Change Since 3152026	9.8%
Average Daily Volume	0.1 Mil
Days-to-Cover Short Interest	12.2 days
Basic Shares Quantity	15.1 Mil
Short % of Basic Shares	11.2%

Returns Analyses

	Title
0	Can Coastal Financial Stock Hold Up When Markets Turn?

Earnings Returns History

Expand for More

	Forward Returns
Earnings Date	1D Returns	5D Returns	21D Returns
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%
4/29/2024	-0.7%	6.0%	10.5%
...
SUMMARY STATS
# Positive	13	14	16
# Negative	11	10	8
Median Positive	2.1%	5.5%	9.5%
Median Negative	-2.0%	-7.6%	-3.2%
Max Positive	8.9%	16.9%	38.3%
Max Negative	-5.3%	-12.0%	-26.5%

	Forward Returns
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%
4/29/2024	-0.7%	6.0%	10.5%
1/30/2024	-5.3%	-8.7%	-8.9%
10/27/2023	-4.7%	4.0%	-0.1%
7/28/2023	-1.7%	-1.5%	-3.9%
4/28/2023	2.5%	-4.4%	0.5%
1/27/2023	-0.1%	8.5%	4.2%
10/27/2022	7.4%	11.6%	15.9%
7/27/2022	-2.0%	-4.0%	-2.6%
4/27/2022	0.4%	1.7%	-7.0%
1/27/2022	-2.4%	1.5%	-1.0%
10/27/2021	1.9%	11.3%	36.1%
7/27/2021	2.1%	0.3%	7.8%
4/27/2021	3.8%	2.7%	9.1%
1/27/2021	3.1%	6.1%	38.3%
10/27/2020	0.6%	16.9%	35.1%
7/28/2020	-3.1%	2.0%	0.9%
4/28/2020	1.0%	-8.8%	9.5%
SUMMARY STATS
# Positive	13	14	16
# Negative	11	10	8
Median Positive	2.1%	5.5%	9.5%
Median Negative	-2.0%	-7.6%	-3.2%
Max Positive	8.9%	16.9%	38.3%
Max Negative	-5.3%	-12.0%	-26.5%

SEC Filings

Expand for More

Report Date	Filing Date	Filing
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
03/31/2022	05/06/2022	10-Q

Recent Forward Guidance [BETA]

Latest: Q4 2025 Earnings Reported 1/29/2026

null

Prior: Q3 2025 Earnings Reported 10/29/2025

null

Insider Activity

Expand for More

#	Owner	Title	Holding	Action	Filing Date	Price	Shares	Transacted Value	Value of Held Shares	Form
1	Sprink, Eric M	CEO	Direct	Sell	1052026	113.73	8,349	949,503	23,048,060	Form
2	Sprink, Eric M	CEO	Direct	Sell	1052026	114.95	8,778	1,008,991	22,286,074	Form
3	Hovde, Steven D		Business	Sell	12112025	117.25	3,000	351,750	1,348,375	Form
4	Hovde, Steven D		Business	Sell	12092025	115.50	1,500	173,250	1,674,750	Form
5	Hovde, Steven D		Business	Sell	12082025	112.19	2,611	292,932	2,131,638	Form

Collapse to Preview

#	Owner	Title	Holding	Action	Filing Date	Price	Shares	Transacted Value	Value of Held Shares	Form
1	Sprink, Eric M	CEO	Direct	Sell	1052026	113.73	8,349	949,503	23,048,060	Form
2	Sprink, Eric M	CEO	Direct	Sell	1052026	114.95	8,778	1,008,991	22,286,074	Form
3	Hovde, Steven D		Business	Sell	12112025	117.25	3,000	351,750	1,348,375	Form
4	Hovde, Steven D		Business	Sell	12092025	115.50	1,500	173,250	1,674,750	Form
5	Hovde, Steven D		Business	Sell	12082025	112.19	2,611	292,932	2,131,638	Form
6	Hovde, Steven D		Business	Sell	12082025	114.00	3,000	342,000	1,824,000	Form
7	Sprink, Eric M	CEO	Direct	Sell	9192025	114.65	10,683	1,224,806	24,192,411	Form
8	Edwards, Joel G	Chief Financial Officer	Direct	Sell	9192025	114.67	9,425	1,080,765	1,463,419	Form
9	Edwards, Joel G	Chief Financial Officer	Direct	Sell	9172025	108.91	5,000	544,550	3,396,576	Form
10	Edwards, Joel G	Chief Financial Officer	Direct	Sell	9172025	107.90	4,000	431,600	2,933,477	Form
11	Edwards, Joel G	Chief Financial Officer	Direct	Sell	9172025	110.05	5,000	550,250	2,441,679	Form
12	Hamilton, Brian T	President of CCBX	Direct	Sell	9172025	109.10	1,708	186,343	9,240,879	Form
13	Klee, Stephan		Direct	Sell	9172025	109.14	4,350	474,759	181,282	Form
14	Sprink, Eric M	CEO	Direct	Sell	9172025	108.82	10,500	1,142,610	25,104,121	Form
15	Sprink, Eric M	CEO	Direct	Sell	9172025	107.90	4,000	431,600	24,460,283	Form
16	Sprink, Eric M	CEO	Direct	Sell	9172025	110.21	5,000	551,050	24,432,896	Form
17	Edwards, Joel G	Chief Financial Officer	Direct	Sell	9122025	110.96	2,000	221,920	4,570,110	Form
18	Edwards, Joel G	Chief Financial Officer	Direct	Sell	9122025	111.71	3,000	335,130	4,265,870	Form
19	Edwards, Joel G	Chief Financial Officer	Direct	Sell	9122025	110.59	2,000	221,180	4,001,920	Form
20	Edwards, Joel G	Chief Financial Officer	Direct	Sell	5202025	88.44	3,128	276,640	3,660,266	Form
21	Tisdel, Gregory A		Direct	Sell	4152025	79.07	1,600	126,512	1,107,454	Form
22	Sprink, Eric M	CEO	Direct	Sell	1162026	114.51	4,356	498,796	19,984,800	Form
23	Sprink, Eric M	CEO	Direct	Sell	1162026	114.15	3,000	342,454	19,580,161	Form
24	Sprink, Eric M	CEO	Direct	Sell	1132026	118.88	4,000	475,503	21,264,961	Form
25	Sprink, Eric M	CEO	Direct	Sell	1232026	114.27	8,402	960,108	18,640,636	Form
26	Sprink, Eric M	CEO	Direct	Sell	1232026	116.01	4,000	464,035	18,460,016	Form
27	Edwards, Joel G	Chief Financial Officer	Direct	Sell	1282026	111.34	1,300	144,742	1,276,179	Form
28	Hamilton, Brian T	President of CCBX	Direct	Sell	2052026	89.67	171	15,334	6,938,827	Form
29	Hamilton, Brian T	President of CCBX	Direct	Sell	2092026	88.95	48	4,270	6,878,681	Form
30	Hamilton, Brian T	President of CCBX	Direct	Sell	3032026	72.37	146	10,566	5,585,951	Form

CCB Trade Sentinel

Stock Conviction

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CONVICTION RATIONALE

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STOCK ARCHETYPE

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Looking for high-conviction positions with a better risk/reward profile? See what's currently in the Trefis High Quality Portfolio.

INVESTMENT THESIS

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Mechanism: null

Supporting Evidence:

PRIMARY RISK

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Mechanism: null

Supporting Evidence:

Key KPI Watchlist

KPI	Threshold	Rationale

Core Investment Debate

BULL VIEW

CORE TENSION

PREVAILING SENTIMENT

BEAR VIEW

Next 6 months: Risks and Catalysts

Timeline	Event & Metric To Watch

Key Events in Last 6 Months

Date	Event	Stock Impact

Risk Management

Position Sizing

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Diversification Alternatives

How Is The Market Pricing CCB?

What will confirm the thesis

What will damage the thesis

Noise: Real but irrelevant to thesis

Repricing Catalyst

What CCB Makes & Who Pays

TTM figures based on

CCB Evolution: Price Return by Era

① Structure

② Volume / Momentum

③ Catalyst

Combined Score

0 / 12

1 Price Structure & Trend · ▾

2 Momentum ▾

3 Relative Strength vs. SPY ▾

4 Institutional Footprint & Volume ▾

5 Volatility ▾

6 Key Price Levels Range · Vol ▾

7 Earnings Reaction History ▾

8 How the Verdict Is Derived Three Pillars ▾

Pillar	Score
① Structure	0
② Vol / Mom	0
③ Catalyst	0

ℹ Bull Pillars: 0 · Bear Pillars: 0 · Combined Score: 0 →

Industry Resources

Financials Resources

Federal Reserve Economic Data

External Quote Links

0	Y Finance	Barrons
1	TradingView	Morningstar
2	SeekingAlpha	ValueLine
3	Motley Fool	Robinhood
4	CNBC	Etrade
5	MarketWatch	Unusual Whales
6	YCharts	Perplexity Finance
7	FinViz

Prefer one of these to Trefis? Tell us why.

Coastal Financial (CCB)

Market Price (4/19/2026): $83.28 | Market Cap: $1.3 BilSector: Financials | Industry: Regional Banks

Coastal Financial (CCB)

Market Price (4/19/2026): $83.28Market Cap: $1.3 BilSector: FinancialsIndustry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

Valuation, Metrics & Events

Price Chart

Why The Stock Moved

Qualitative Assessment

Stock Movement Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

Market Drivers

Return vs. Risk

Price Returns Compared

How Low Can It Go

In The Past

Preserve Wealth

Asset Allocation

About Coastal Financial (CCB)

Capital Allocation Decisions for Coastal Financial (CCB) (2021-2025)

Share Issuance

Outbound Investments

Capital Expenditures

Interactive Breakdown

Better Bets vs. Coastal Financial (CCB)

Latest Trefis Analyses

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Top Losers

Top Gainers

Top Losers

More From Trefis

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FDIC Bank Data

Bank Capital

Bank Deposits

Bank Assets

Bank Loans

FDA Approved Drugs Data

Financials

Segment Financials

Price Behavior

Based On 1-Year Data

Based On 5-Year Data

Based On 10-Year Data

Short Interest

Returns Analyses

Earnings Returns History

SEC Filings

Recent Forward Guidance [BETA]

Insider Activity

CCB Trade Sentinel

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CONVICTION RATIONALE

STOCK ARCHETYPE

INVESTMENT THESIS

PRIMARY RISK

BULL VIEW

CORE TENSION

PREVAILING SENTIMENT

BEAR VIEW

Position Sizing

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Market Price (4/19/2026): $83.28 | Market Cap: $1.3 Bil
Sector: Financials | Industry: Regional Banks

Market Price (4/19/2026): $83.28
Market Cap: $1.3 Bil
Sector: Financials
Industry: Regional Banks