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    Coastal Financial (CCB)

    Market Price (7/22/2026): $77.19 | Market Cap: $1.2 BilSector: Financials | Industry: Regional Banks

    Coastal Financial (CCB)

    Market Price (7/22/2026): $77.19
    Market Cap: $1.2 Bil
    Sector: Financials
    Industry: Regional Banks

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

    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 -123%

    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 21%

    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 10.72

    Weak revenue growth
    Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is -6.3%

    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 -123%
    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 21%
    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 10.72
    6 Weak revenue growth
    Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is -6.3%
    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.

    CCB in ETFs

    Weight = CCB's share of each fund

    VTI0.00%
    ITOT0.00%
    IWM0.03%
    KRE0.42%
    IWO0.07%
    VTWO0.03%
    DFAS0.03%
    SCHA0.02%
    +3 more covered ETFs

    Valuation & Metrics

    FYE: 12/31CCB [1]S&P 500 [2]
    REVENUE GROWTH
    LTM Revenue [3]$409.0 Mil—
    FY 2026 Sales$607.6 Mil—
    FY 2027 Sales$742.9 Mil—
    FY 2026 Sales Growth48.6%—
    FY 2027 Sales Growth22.3%8.3%
    EARNINGS
    LTM Net Income (GAAP) [3]$49.3 Mil—
    FY 2026 Net Income (Non-GAAP)$70.4 Mil—
    FY 2027 Net Income (Non-GAAP)$107.6 Mil—
    FY 2027 Net Income Growth52.9%16.8%
    FY 2026 EPS (Non-GAAP)$4.50—
    FY 2027 EPS (Non-GAAP)$6.98—
    FY 2027 EPS Growth55.3%—
    VALUATION
    FY 2026 P/S1.93.2
    FY 2027 P/S1.6—
    FY 2026 P/E16.719.5
    FY 2027 P/E10.9—

    [1] CCB forward figures are analyst consensus for the next two fiscal years (fiscal year end 12/31). Net Income and EPS are non-GAAP (adjusted) consensus. P/S and P/E divide the current market cap by the consensus figure.
    [2] S&P 500 figures are the SPY ETF's holdings-weighted forward aggregate. P/S and P/E reflect FY1/FY2 consensus blended to the 12-month window ending 7/31/27 (~one year forward), shown when ≥90% of index weight has estimates. Growth is the aggregate next-fiscal-year vs current-fiscal-year (FY1→FY2) change. Index-level dollar Sales, Net Income and EPS are not applicable.
    [3] LTM = reported trailing-twelve-month actuals (GAAP).
    CCBS&P 500
    REVENUE GROWTH 
    Rev LTM ($ Bil)0.4
    Rev Chg Q4.2%8.9%
    Rev Chg LTM-6.3%7.5%
    Rev Chg 3Y Avg18.9%5.9%
    PROFITABILITYFAIR
    Op Inc LTM ($ Bil)�
    CFO LTM ($ Bil)0.3
    Net Inc LTM ($ Bil)0.0
    CFO/Rev LTM63.3%21.4%
    Net Inc Mgn12.1%13.0%
    VALUATIONMODERATE
    P/S2.93.3
    P/CFO4.515.3
    P/FCF4.720.1
    P/E23.824.3

    AI Analysis | Feedback

    MetricValueDateSource
    BaaS program fee income76000009302025Link
    Credit cards with fee earning potential2370243312025Link
    CCBX partners in testing26302025Link
    CCBX partners in implementation/onboarding26302025Link
    CCBX partners with signed letters of intent (LOI)56302025Link
    Percentage of CCBX loan partner balances indemnified against credit risk98.9%9302025Link
    CCBX loans sold16200000009302025Link

    Price Chart

    Upcoming
    7/29/2026Earnings ReleaseRev: $148 Mil (E)
    EPS: $1.01 (E)

    Why The Stock Moved

    Qualitative Assessment

    AI Analysis | Feedback

    Updated on 7/1/2026

    Coastal Financial (CCB) stock has remained largely at the same level since 3/31/2026 because of the following key factors:

    1. Mixed Fiscal Q1 2026 Earnings Performance Offset Growth Narratives. Coastal Financial reported diluted earnings per share (EPS) of $0.78 for fiscal Q1 2026 (ended March 31, 2026), significantly missing analyst consensus estimates which ranged from $1.02 to $1.0555. While the company achieved notable growth in total assets, increasing by 19.5% to $5.66 billion by the end of fiscal Q1 2026, and saw its CCBX segment's fee income rise to $10.9 million, the profitability shortfall likely tempered positive investor sentiment.

    2. Deterioration in Operational Efficiency and Net Interest Margin Pressure. The company experienced a decline in profitability, with its return on average assets (ROA) decreasing to 0.98% in fiscal Q1 2026 from 1.09% in the previous quarter. This was primarily attributed to an increase in non-interest expenses, including a $2.6 million rise in legal and professional expenses and higher BaaS loan expenses. Concurrently, the efficiency ratio worsened from 38.08% in fiscal Q1 2024 to 55.85% in fiscal Q1 2026, indicating increased costs to generate revenue and placing pressure on the company's financial performance.

    Show more
    Updated on 7/1/2026

    Coastal Financial (CCB) stock has remained largely at the same level since 3/31/2026 because of the following key factors:

    1. Mixed Fiscal Q1 2026 Earnings Performance Offset Growth Narratives. Coastal Financial reported diluted earnings per share (EPS) of $0.78 for fiscal Q1 2026 (ended March 31, 2026), significantly missing analyst consensus estimates which ranged from $1.02 to $1.0555. While the company achieved notable growth in total assets, increasing by 19.5% to $5.66 billion by the end of fiscal Q1 2026, and saw its CCBX segment's fee income rise to $10.9 million, the profitability shortfall likely tempered positive investor sentiment.

    2. Deterioration in Operational Efficiency and Net Interest Margin Pressure. The company experienced a decline in profitability, with its return on average assets (ROA) decreasing to 0.98% in fiscal Q1 2026 from 1.09% in the previous quarter. This was primarily attributed to an increase in non-interest expenses, including a $2.6 million rise in legal and professional expenses and higher BaaS loan expenses. Concurrently, the efficiency ratio worsened from 38.08% in fiscal Q1 2024 to 55.85% in fiscal Q1 2026, indicating increased costs to generate revenue and placing pressure on the company's financial performance.

    3. Broader Regional Banking Sector Headwinds from Sustained Higher Interest Rates. The overall regional banking sector operated within an ambiguous macroeconomic environment during the period. The Federal Reserve maintained interest rates at 3.75% as of June 6, 2026, and expectations for rate cuts in 2026 were deferred by major financial institutions due to persistent inflation and robust job growth. This prolonged period of higher interest rates posed a challenge for regional banks like Coastal Financial, as it can lead to increased deposit costs and potential compression of net interest margins, thus limiting the potential for significant stock price appreciation across the sector.

    4. Significant Insider Selling by CEO. Coastal Financial's CEO, Eric M. Sprink, engaged in substantial insider selling that likely contributed to the stock's flat performance. He sold 82,068 shares for an estimated $9,333,049 in the six months leading up to February 6, 2026, and 51,885 shares for an estimated $5,982,983 in the six months leading up to April 29, 2026. Such considerable insider sales by a key executive can be perceived as a lack of confidence in the company's near-term growth prospects, potentially creating downward pressure or dampening investor enthusiasm for the stock.

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    Stock Movement Drivers

    Fundamental Drivers

    The 1.5% change in CCB stock from 3/31/2026 to 7/21/2026 was primarily driven by a 3.7% change in the company's Net Income Margin (%).
    (LTM values as of)33120267212026Change
    Stock Price ($)76.1077.251.5%
    Change Contribution By: 
    Total Revenues ($ Mil)4054091.1%
    Net Income Margin (%)11.6%12.1%3.7%
    P/E Multiple24.523.8-2.8%
    Shares Outstanding (Mil)1515-0.4%
    Cumulative Contribution1.5%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    3/31/2026 to 7/21/2026
    ReturnCorrelation
    CCB1.5% 
    Market (SPY)15.1%13.8%
    Sector (XLF)13.7%40.6%

    Fundamental Drivers

    The -32.6% change in CCB stock from 12/31/2025 to 7/21/2026 was primarily driven by a -34.4% change in the company's P/E Multiple.
    (LTM values as of)123120257212026Change
    Stock Price ($)114.5977.25-32.6%
    Change Contribution By: 
    Total Revenues ($ Mil)410409-0.2%
    Net Income Margin (%)11.6%12.1%3.4%
    P/E Multiple36.223.8-34.4%
    Shares Outstanding (Mil)1515-0.6%
    Cumulative Contribution-32.6%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    12/31/2025 to 7/21/2026
    ReturnCorrelation
    CCB-32.6% 
    Market (SPY)10.0%33.0%
    Sector (XLF)3.0%52.4%

    Fundamental Drivers

    The -20.3% change in CCB stock from 6/30/2025 to 7/21/2026 was primarily driven by a -21.0% change in the company's P/E Multiple.
    (LTM values as of)63020257212026Change
    Stock Price ($)96.8777.25-20.3%
    Change Contribution By: 
    Total Revenues ($ Mil)437409-6.3%
    Net Income Margin (%)11.0%12.1%9.3%
    P/E Multiple30.123.8-21.0%
    Shares Outstanding (Mil)1515-1.4%
    Cumulative Contribution-20.3%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    6/30/2025 to 7/21/2026
    ReturnCorrelation
    CCB-20.3% 
    Market (SPY)22.1%41.2%
    Sector (XLF)8.4%54.0%

    Fundamental Drivers

    The 105.2% change in CCB stock from 6/30/2023 to 7/21/2026 was primarily driven by a 124.0% change in the company's P/E Multiple.
    (LTM values as of)63020237212026Change
    Stock Price ($)37.6577.25105.2%
    Change Contribution By: 
    Total Revenues ($ Mil)25840958.7%
    Net Income Margin (%)18.2%12.1%-33.6%
    P/E Multiple10.623.8124.0%
    Shares Outstanding (Mil)1315-13.1%
    Cumulative Contribution105.2%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    6/30/2023 to 7/21/2026
    ReturnCorrelation
    CCB105.2% 
    Market (SPY)74.8%43.7%
    Sector (XLF)73.9%57.6%

    Return vs. Risk

    Price Returns Compared

     202120222023202420252026Total [1]
    Returns
    CCB Return141%-6%-7%91%35%-32%271%
    Peers Return37%3%3%27%6%18%133%
    S&P 500 Return27%-19%24%23%16%9%98%

    Monthly Win Rates [3]
    CCB Win Rate75%25%50%75%58%43% 
    Peers Win Rate60%40%47%55%47%63% 
    S&P 500 Win Rate75%42%67%75%67%43% 

    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 7/21/2026 (YTD)

    How Low Can It Go

    EventCCBS&P 500
    2025 US Tariff Shock
      % Loss-14.4%-18.8%
      % Gain to Breakeven16.8%23.1%
      Time to Breakeven48 days79 days
    Summer-Fall 2023 Five Percent Yield Shock
      % Loss-19.2%-9.5%
      % Gain to Breakeven23.8%10.5%
      Time to Breakeven48 days24 days
    2023 SVB Regional Banking Crisis
      % Loss-29.3%-6.7%
      % Gain to Breakeven41.3%7.1%
      Time to Breakeven75 days31 days
    2022 Inflation Shock & Fed Tightening
      % Loss-27.8%-24.5%
      % Gain to Breakeven38.6%32.4%
      Time to Breakeven194 days427 days
    2020 COVID-19 Crash
      % Loss-46.7%-33.7%
      % Gain to Breakeven87.7%50.9%
      Time to Breakeven230 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-27.9%-19.2%
      % Gain to Breakeven38.7%23.8%
      Time to Breakeven336 days105 days

    Compare to COLB, BANR, HFWA, TBBK, CASH

    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.

    EventCCBS&P 500
    2023 SVB Regional Banking Crisis
      % Loss-29.3%-6.7%
      % Gain to Breakeven41.3%7.1%
      Time to Breakeven75 days31 days
    2022 Inflation Shock & Fed Tightening
      % Loss-27.8%-24.5%
      % Gain to Breakeven38.6%32.4%
      Time to Breakeven194 days427 days
    2020 COVID-19 Crash
      % Loss-46.7%-33.7%
      % Gain to Breakeven87.7%50.9%
      Time to Breakeven230 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-27.9%-19.2%
      % Gain to Breakeven38.7%23.8%
      Time to Breakeven336 days105 days

    Compare to COLB, BANR, HFWA, TBBK, CASH

    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)

    ```html

    Coastal Financial Corporation (CCB) operates as the bank holding company for Coastal Community Bank, providing a comprehensive range of banking products and services. Its primary focus is on serving small to medium-sized businesses, professionals, and individuals within the Puget Sound region of Washington state. The company aims to be a full-service financial partner for its local community.

    The bank's core offerings include diverse deposit products such such as demand, savings, time, and money market accounts. On the lending side, CCB provides a variety of loan solutions, including commercial and industrial loans, real estate loans (owner-occupied, non-owner-occupied, multi-family, construction, and residential), and consumer loans for items like automobiles and boats. It also supports customers with modern banking conveniences such as online and mobile banking, remote deposit capture, and debit cards.

    Beyond traditional banking, Coastal Financial offers essential business accounts and cash management services, including treasury solutions. A significant differentiator is its "Banking as a Service" (BaaS) platform, which allows broker-dealers and digital financial service providers to integrate banking functionalities for their own clientele. The bank maintains a physical presence with 14 full-service banking locations.

    ```

    AI Analysis | Feedback

    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.

    AI Analysis | Feedback

    • 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.

    AI Analysis | Feedback

    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.

    AI Analysis | Feedback

    • Jack Henry & Associates (JKHY)
    • Alkami Technology (ALKT)
    • BDO USA, P.C.

    AI Analysis | Feedback

    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.

    AI Analysis | Feedback

    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.

    1. 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.
    2. 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.
    3. 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.

    AI Analysis | Feedback

    • 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.

    AI Analysis | Feedback

    null

    AI Analysis | Feedback

    Coastal Financial (NASDAQ: CCB) is expected to drive future revenue growth over the next two to three years through several key strategies:

    1. 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.
    2. 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.
    3. 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.
    4. 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.

    AI Analysis | Feedback

    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.

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    UTIUniversal Technical Institute2.1-20.0%42.8%
    SPIRSpire Global0.4-19.6%55.5%
    VICRVicor9.8-18.8%95.9%
    PNRPentair10.0-18.8%-40.6%
    ABSIAbsci1.3-18.7%138.4%
    BLZEBackblaze0.8-18.5%189.3%

    Top Gainers

    TickerCompanyMkt Cap (B)1M RtnYTD Rtn
    CRNXCrinetics Pharmaceuticals8.7133.9%80.2%
    TRAXFirst Tracks Biotherapeutics1.3114.5%100.9%
    UTZUtz Brands1.2101.2%37.8%
    DFTXDefinium Therapeutics, Inc.4.984.2%233.7%
    PBFPBF Energy7.777.1%147.1%
    ATAIAtaiBeckley2.675.7%74.4%
    MNPRMonopar Therapeutics1.068.3%73.9%
    ALITAlight9.965.0%-51.8%
    BLZEBackblaze0.864.6%189.3%
    ZBIOZenas BioPharma1.863.6%-10.9%

    Top Losers

    TickerCompanyMkt Cap (B)1M RtnYTD Rtn
    FACFactorial Energy0.6-64.0%24.5%
    HTZHertz Global0.6-63.4%-64.0%
    AIAIAIAI0.5-59.2%-55.1%
    HYLNHyliion0.7-52.1%110.9%
    ALOYREalloys0.5-49.4%-4.7%
    ABTCAmerican Bitcoin6.6-49.3%-74.6%
    NVTSNavitas Semiconductor2.9-46.6%79.6%
    WOLFWolfspeed1.2-44.7%82.3%
    EOSEEos Energy Enterprises1.4-44.6%-63.0%
    YSSYork Space Systems2.2-41.6%-46.5%

    More From Trefis

    Research & Analysis

    Invest in Strategies

    Wealth Management

    Peer Comparisons

    Peers to compare with:

    Financials

    CCBCOLBBANRHFWATBBKCASHMedian
    NameCoastal .Columbia.Banner Heritage.Bancorp Pathward. 
    Mkt Price77.2532.8570.7430.4167.0888.6068.91
    Mkt Cap1.29.62.41.22.81.92.2
    Rev LTM4092,487663266690685674
    Op Inc LTM-------
    FCF LTM2511,06130280248461277
    FCF 3Y Avg23683826980226211231
    CFO LTM2591,11831090256675284
    CFO 3Y Avg24586928186235475263

    Growth & Margins

    CCBCOLBBANRHFWATBBKCASHMedian
    NameCoastal .Columbia.Banner Heritage.Bancorp Pathward. 
    Rev Chg LTM-6.3%27.8%7.3%18.0%17.6%3.8%12.5%
    Rev Chg 3Y Avg18.9%23.3%1.1%1.5%21.2%7.9%13.4%
    Rev Chg Q4.2%37.9%6.0%35.3%-8.0%0.9%5.1%
    QoQ Delta Rev Chg LTM1.1%8.1%1.4%8.3%-2.0%0.3%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 LTM63.3%45.0%46.7%33.6%37.1%98.5%45.8%
    CFO/Rev 3Y Avg59.5%39.8%44.8%36.4%41.1%71.2%42.9%
    FCF/Rev LTM61.4%42.7%45.5%30.1%35.9%67.3%44.1%
    FCF/Rev 3Y Avg57.4%38.4%42.8%33.7%39.5%31.1%39.0%

    Valuation

    CCBCOLBBANRHFWATBBKCASHMedian
    NameCoastal .Columbia.Banner Heritage.Bancorp Pathward. 
    Mkt Cap1.29.62.41.22.81.92.2
    P/S2.93.83.64.44.12.83.7
    P/Op Inc-------
    P/EBIT-------
    P/E23.814.611.716.212.210.113.4
    P/CFO4.58.57.813.111.12.88.2
    Total Yield4.2%10.7%11.3%8.9%8.2%10.1%9.5%
    Dividend Yield0.0%3.8%2.8%2.8%0.0%0.2%1.5%
    FCF Yield 3Y Avg23.7%14.8%13.0%10.0%9.4%11.2%12.1%
    D/E0.00.40.00.00.10.00.0
    Net D/E-1.20.2-0.1-1.00.0-0.5-0.3

    Returns

    CCBCOLBBANRHFWATBBKCASHMedian
    NameCoastal .Columbia.Banner Heritage.Bancorp Pathward. 
    1M Rtn7.8%7.5%9.1%8.9%19.4%8.0%8.5%
    3M Rtn-5.6%14.4%11.7%13.1%11.8%-9.3%11.8%
    6M Rtn-29.6%18.8%12.0%24.6%0.9%19.6%15.4%
    12M Rtn-24.3%42.8%10.8%26.5%-3.1%10.4%10.6%
    3Y Rtn74.4%85.8%76.8%97.7%74.1%61.6%75.6%
    1M Excs Rtn7.7%7.4%9.0%8.8%19.3%7.9%8.3%
    3M Excs Rtn-12.2%6.5%4.4%5.6%4.4%-16.9%4.4%
    6M Excs Rtn-39.9%8.3%2.6%15.2%-11.9%9.7%5.4%
    12M Excs Rtn-43.3%22.7%-8.7%6.9%-20.1%-9.5%-9.1%
    3Y Excs Rtn26.4%15.5%2.3%34.9%22.3%4.1%18.9%

    Comparison Analyses

    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 SODIUMbromfenac sodiumsolution/drops5112011     
     Collapse to Preview
    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 SODIUMbromfenac sodiumsolution/drops5112011     

    Financials

    $ Mil | FY: 12/312026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q32023Q2
    Period End3/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/20236/30/2023
    Filing Date5/8/20262/27/202611/7/20258/8/20255/9/20253/17/202511/8/20248/8/20245/9/20243/15/202411/8/20238/8/2023
    Key Financials Quarterly            
    Total Revenue10910611084105111116105121967197
    Net Income1213141110131312791013
    EPS0.790.840.900.730.650.971.000.860.510.680.770.97
    Key Financials TTM            
    Total Revenue TTM409405410416437453438393386349323308
    Net Income TTM494748484845413839454950
    Growth Rates Quarterly            
    Total Revenue Growth4.2%-4.5%-5.7%-19.5%-13.4%15.1%63.9%7.3%44.0%36.5%26.0%108.6%
    Net Income Growth23.5%-5.4%1.0%-4.9%43.1%48.3%31.0%-10.2%-45.1%-31.3%-7.5%26.8%
    Margins Quarterly            
    Net Income Margin11.0%12.0%12.4%13.1%9.3%12.1%11.6%11.1%5.6%9.4%14.5%13.3%
    Cash & Debt            
    Total Cash1,495737642720624453484487515583574373
    Total Debt535353535353535454545454
    Net Debt / (Cash)-1,443-684-589-667-571-399-431-434-461-529-520-319
    Cash Flows Quarterly            
    FCF from Operations765859667268637257456534
    Cash Flows TTM            
    FCF from Operations TTM259255265269275260237239202192171127
    Returns to Shareholders Quarterly            
    Dividends000000000000
    Share Repurchases11011-0-0-0-0-0-0-0
    Return on Invested Capital (ROIC) Quarterly            
    ROIC------------
    Return on Invested Capital (ROIC) TTM            
    ROIC TTM------------

    Segment Financials

    Revenue by Segment
    $ Mil20252024202320222021
    CCBX438487354206 
    Community bank86808491 
    Treasury & Administration18148  
    Single segment    102
    Total542581446296102


    Net Income by Segment
    $ Mil20252024
    Community bank3136
    CCBX3025
    Treasury & Administration-14-16
    Total4745


    Assets by Segment
    $ Mil20252024202320222021
    CCBX2,5972,1001,9001,302353
    Community bank1,9581,8971,8431,6242,283
    Treasury & Administration18712510218 
    Total4,7414,1213,7533,1442,636


    Price Behavior

    Price Behavior
    Market Price$77.25 
    Market Cap ($ Bil)1.2 
    First Trading Date07/18/2018 
    Distance from 52W High-35.1% 
       50 Days200 Days
    DMA Price$73.83$90.74
    DMA Trenddowndown
    Distance from DMA4.6%-14.9%
     3M1YR
    Volatility40.0%40.5%
    Downside Capture92.05168.82
    Upside Capture42.38100.13
    Correlation (SPY)8.6%41.4%
    CCB Betas & Captures as of 6/30/2026

     1M2M3M6M1Y3Y
    Beta0.080.250.401.001.331.08
    Up Beta-1.44-0.510.230.821.140.90
    Down Beta0.480.29-0.500.851.561.13
    Up Capture92%46%58%50%98%176%
    Bmk +ve Days11244067140429
    Stock +ve Days14223558130384
    Down Capture-10%45%104%155%139%104%
    Bmk -ve Days10172358112321
    Stock -ve Days7192867121365

    [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-24.1%40.4%-0.58-
    Sector ETF (XLF)8.1%14.6%0.3254.0%
    Equity (SPY)20.3%12.6%1.1941.3%
    Gold (GLD)21.6%28.1%0.69-4.1%
    Commodities (DBC)31.4%19.1%1.30-14.2%
    Real Estate (VNQ)15.0%14.0%0.7627.5%
    Bitcoin (BTCUSD)-44.6%42.9%-1.2525.0%

    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
    CCB20.9%38.3%0.59-
    Sector ETF (XLF)10.7%18.5%0.4557.0%
    Equity (SPY)12.9%17.1%0.5845.0%
    Gold (GLD)17.3%18.4%0.76-4.8%
    Commodities (DBC)8.9%19.5%0.354.4%
    Real Estate (VNQ)2.9%18.9%0.0539.8%
    Bitcoin (BTCUSD)14.9%53.4%0.4622.5%

    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
    CCB16.8%47.7%0.59-
    Sector ETF (XLF)13.7%22.0%0.5658.3%
    Equity (SPY)15.2%17.9%0.7249.1%
    Gold (GLD)11.2%16.1%0.57-0.3%
    Commodities (DBC)7.2%17.9%0.3213.8%
    Real Estate (VNQ)5.1%20.7%0.2147.8%
    Bitcoin (BTCUSD)58.7%66.2%0.9919.5%

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

    Short Interest

    Short Interest: As Of Date6302026
    Short Interest: Shares Quantity1.5 Mil
    Short Interest: % Change Since 61520261.0%
    Average Daily Volume0.1 Mil
    Days-to-Cover Short Interest10.7 days
    Basic Shares Quantity15.2 Mil
    Short % of Basic Shares9.8%

    Returns Analyses

    Earnings Returns History

    Updated 6/2/2026
    Expand for More
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    4/29/2026-12.7%-13.8%-18.6%
    1/29/2026-0.1%-12.0%-26.5%
    10/29/20250.3%-0.7%6.5%
    7/29/2025-4.2%-6.5%13.8%
    4/29/2025-0.9%-9.0%-0.9%
    1/28/20252.6%5.1%9.5%
    10/28/20248.9%8.2%33.4%
    7/29/20240.5%-9.9%0.3%
    ...
    SUMMARY STATS   
    # Positive111315
    # Negative13119
    Median Positive2.5%6.0%9.5%
    Median Negative-2.4%-6.5%-3.9%
    Max Positive8.9%19.6%45.1%
    Max Negative-12.7%-13.8%-26.5%
     Collapse to Preview
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    4/29/2026-12.7%-13.8%-18.6%
    1/29/2026-0.1%-12.0%-26.5%
    10/29/20250.3%-0.7%6.5%
    7/29/2025-4.2%-6.5%13.8%
    4/29/2025-0.9%-9.0%-0.9%
    1/28/20252.6%5.1%9.5%
    10/28/20248.9%8.2%33.4%
    7/29/20240.5%-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%
    4/28/20232.5%-4.4%0.5%
    1/27/2023-0.1%8.5%4.2%
    10/27/20227.4%11.6%15.9%
    7/27/2022-2.0%-4.0%-2.6%
    4/27/20220.4%1.7%-7.0%
    1/27/2022-2.4%1.5%-1.0%
    10/27/20211.9%11.3%36.1%
    7/28/20211.0%-2.1%4.3%
    4/27/20213.8%2.7%9.1%
    1/28/2021-5.1%6.7%45.1%
    11/2/20207.6%19.6%32.2%
    7/28/2020-3.1%2.0%0.9%
    SUMMARY STATS   
    # Positive111315
    # Negative13119
    Median Positive2.5%6.0%9.5%
    Median Negative-2.4%-6.5%-3.9%
    Max Positive8.9%19.6%45.1%
    Max Negative-12.7%-13.8%-26.5%

    SEC Filings

    Expand for More
    Report DateFiling DateFiling
    03/31/202605/08/202610-Q
    12/31/202502/27/202610-K
    09/30/202511/07/202510-Q
    06/30/202508/08/202510-Q
    03/31/202505/09/202510-Q
    12/31/202403/17/202510-K
    09/30/202411/08/202410-Q
    06/30/202408/08/202410-Q
    03/31/202405/09/202410-Q
    12/31/202303/15/202410-K
    09/30/202311/08/202310-Q
    06/30/202308/08/202310-Q
    03/31/202305/10/202310-Q
    12/31/202203/16/202310-K
    09/30/202211/09/202210-Q
    06/30/202208/05/202210-Q
     Collapse to Preview
    Report DateFiling DateFiling
    03/31/202605/08/202610-Q
    12/31/202502/27/202610-K
    09/30/202511/07/202510-Q
    06/30/202508/08/202510-Q
    03/31/202505/09/202510-Q
    12/31/202403/17/202510-K
    09/30/202411/08/202410-Q
    06/30/202408/08/202410-Q
    03/31/202405/09/202410-Q
    12/31/202303/15/202410-K
    09/30/202311/08/202310-Q
    06/30/202308/08/202310-Q
    03/31/202305/10/202310-Q
    12/31/202203/16/202310-K
    09/30/202211/09/202210-Q
    06/30/202208/05/202210-Q
    03/31/202205/06/202210-Q
    12/31/202103/14/202210-K
    09/30/202111/08/202110-Q
    06/30/202108/06/202110-Q
    03/31/202105/07/202110-Q
    12/31/202003/12/202110-K
    09/30/202011/06/202010-Q
    06/30/202008/07/202010-Q
    03/31/202005/08/202010-Q
    12/31/201903/12/202010-K
    09/30/201911/12/201910-Q
    06/30/201908/12/201910-Q

    Insider Activity

    Updated 7/1/2026
    Expand for More
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Hamilton, Brian TPresident of CCBXDirectSell602202671.427,000499,9614,826,124Form
    2Lane, Thomas D Child (2)Sell511202672.60300  Form
    3Hamilton, Brian TPresident of CCBXDirectSell501202675.443,079232,2735,625,472Form
    4Hamilton, Brian TPresident of CCBXDirectSell303202672.3714610,5665,585,951Form
    5Hamilton, Brian TPresident of CCBXDirectSell209202688.95484,2706,878,681Form
     Collapse to Preview
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Hamilton, Brian TPresident of CCBXDirectSell602202671.427,000499,9614,826,124Form
    2Lane, Thomas D Child (2)Sell511202672.60300  Form
    3Hamilton, Brian TPresident of CCBXDirectSell501202675.443,079232,2735,625,472Form
    4Hamilton, Brian TPresident of CCBXDirectSell303202672.3714610,5665,585,951Form
    5Hamilton, Brian TPresident of CCBXDirectSell209202688.95484,2706,878,681Form
    6Hamilton, Brian TPresident of CCBXDirectSell205202689.6717115,3346,938,827Form
    7Edwards, Joel GChief Financial OfficerDirectSell1282026111.341,300144,7421,276,179Form
    8Sprink, Eric MCEODirectSell1232026116.014,000464,03518,460,016Form
    9Sprink, Eric MCEODirectSell1232026114.278,402960,10818,640,636Form
    10Sprink, Eric MCEODirectSell1162026114.153,000342,45419,580,161Form
    11Sprink, Eric MCEODirectSell1162026114.514,356498,79619,984,800Form
    12Sprink, Eric MCEODirectSell1132026118.884,000475,50321,264,961Form
    13Sprink, Eric MCEODirectSell1052026114.958,7781,008,99122,286,074Form
    14Sprink, Eric MCEODirectSell1052026113.738,349949,50323,048,060Form
    15Hovde, Steven D BusinessSell12112025117.253,000351,7501,348,375Form
    16Hovde, Steven D BusinessSell12092025115.501,500173,2501,674,750Form
    17Hovde, Steven D BusinessSell12082025114.003,000342,0001,824,000Form
    18Hovde, Steven D BusinessSell12082025112.192,611292,9322,131,638Form
    19Sprink, Eric MCEODirectSell9192025114.6510,6831,224,80624,192,411Form
    20Edwards, Joel GChief Financial OfficerDirectSell9192025114.679,4251,080,7651,463,419Form
    21Edwards, Joel GChief Financial OfficerDirectSell9172025110.055,000550,2502,441,679Form
    22Sprink, Eric MCEODirectSell9172025110.215,000551,05024,432,896Form
    23Edwards, Joel GChief Financial OfficerDirectSell9172025107.904,000431,6002,933,477Form
    24Sprink, Eric MCEODirectSell9172025107.904,000431,60024,460,283Form
    25Edwards, Joel GChief Financial OfficerDirectSell9172025108.915,000544,5503,396,576Form
    26Hamilton, Brian TPresident of CCBXDirectSell9172025109.101,708186,3439,240,879Form
    27Klee, Stephan DirectSell9172025109.144,350474,759181,282Form
    28Sprink, Eric MCEODirectSell9172025108.8210,5001,142,61025,104,121Form
    29Edwards, Joel GChief Financial OfficerDirectSell9122025110.592,000221,1804,001,920Form
    30Edwards, Joel GChief Financial OfficerDirectSell9122025111.713,000335,1304,265,870Form
    31Edwards, Joel GChief Financial OfficerDirectSell9122025110.962,000221,9204,570,110Form

    Investor Activity (13F)

    Updated Jul 22, 2026
    13F holdings as of Mar 31, 2026 (Q1 2026)

    Active managers (13F portfolio over $250M, at least 3 holdings) with a position over $5M that is either over 10% of their portfolio or held in a concentrated book of 50 or fewer total positions. Index/ETF, sovereign, bank, community-bank and charitable/donor-advised filers are excluded.

    Active ManagerValue% of PortfolioTotal PositionsQoQFiling
    Endeavour Capital Advisors Inc$20.8 Mil4.7%42ADD +69.0%13F
    Azora Capital LP$50.1 Mil3.3%45ADD +6.5%13F
    Stieven Capital Advisors, L.P.$8.4 Mil1.8%35ADD +68.1%13F
    Active ManagerValue% of PortfolioTotal PositionsQoQFiling
    Endeavour Capital Advisors Inc$20.8 Mil4.7%42ADD +69.0%13F
    Stieven Capital Advisors, L.P.$8.4 Mil1.8%35ADD +68.1%13F
    Azora Capital LP$50.1 Mil3.3%45ADD +6.5%13F
    Active Manager
    Active ManagerValue% of PortfolioTotal PositionsQoQFiling
    Azora Capital LP$50.1 Mil3.3%45ADD +6.5%13F
    Endeavour Capital Advisors Inc$20.8 Mil4.7%42ADD +69.0%13F
    Stieven Capital Advisors, L.P.$8.4 Mil1.8%35ADD +68.1%13F

    Industry Resources

    External Quote Links


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    Core Cache Last Updated: 7/21/2026