Coastal Financial Corporation (CCB) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Coastal Financial Corporation (CCB) trades at $46.10 with AI Score 43/100 (Grade C). Coastal Financial Corporation, through its subsidiary Coastal Community Bank, provides banking products and services to small and medium-sized businesses, professionals, and… Market cap: $703M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: May 10, 2026CCB stock analysis for 2026: Analysts have set a consensus price target of $110.00 for Coastal Financial Corporation, suggesting 138.6% upside from the current price of $46.10. The AI MoonshotScore is 43/100, indicating a neutral outlook. Key factors: analyst coverage, AI-driven quantitative scoring.
CCB: 1/3 scored disciplines lean bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →Why this analysis is different
- A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Coastal Financial Corporation (CCB) Financial Services Profile
Coastal Financial Corporation, operating as Coastal Community Bank, serves the Puget Sound region with a focus on small to medium-sized businesses, offering traditional banking services and a Banking as a Service (BaaS) platform. The company distinguishes itself through its community-focused approach and innovative digital banking solutions.
What Is the Investment Thesis for CCB?
Coastal Financial Corporation presents a notable research candidate due to its strategic focus on small to medium-sized businesses in the Puget Sound region, a market with strong economic growth potential. The company's Banking as a Service (BaaS) platform offers a unique growth avenue by tapping into the fintech sector. With a P/E ratio of 9.8 and a profit margin of 8.2%, Coastal Financial Corporation demonstrates solid financial performance. Key catalysts include expansion of the BaaS platform and organic growth within its existing market. Potential risks include interest rate fluctuations and increased competition from larger regional banks.
Based on FMP financials and quantitative analysis
CCB Key Highlights
Market capitalization of $703M, reflecting investor confidence in the company's growth prospects.
- P/E ratio of 9.8, indicating a reasonable valuation compared to its earnings.
- Profit margin of 8.2%, demonstrating efficient operations and profitability.
- Gross margin of 48.8%, showcasing the company's ability to manage costs effectively.
- Beta of 0.87, suggesting lower volatility compared to the overall market.
Who Are CCB's Competitors?
CCB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| UMPQ Umpqua Holdings Corporation | $17.66 | +0.00% | $3.83B | 48 |
| WAFD WaFd, Inc. | $36.65 | -0.19% | $2.71B | 73 |
| BOKF BOK Financial Corporation | $139.84 | -0.36% | $8.50B | 95 |
| PFIS Peoples Financial Services Corp. | $70.02 | +0.53% | $701M | 92 |
| CARE Carter Bankshares, Inc. | $31.04 | +0.58% | $688M | 95 |
| RRBI Red River Bancshares, Inc. | $100.62 | +0.71% | $663M | 92 |
| WASH Washington Trust Bancorp, Inc. | $39.19 | -2.39% | $747M | 91 |
| ACNB ACNB Corporation | $63.65 | +0.66% | $650M | 93 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CCB's Key Strengths?
Strong local presence in the Puget Sound region.
- Banking as a Service (BaaS) platform.
- Experienced management team.
- Focus on small to medium-sized businesses.
What Are CCB's Weaknesses?
Limited geographic diversification.
- Reliance on the Puget Sound economy.
- Smaller size compared to larger regional banks.
- No dividend yield.
What Could Drive CCB Stock Higher?
Expansion of Banking as a Service (BaaS) partnerships.
- Organic growth in the Puget Sound region.
- Potential strategic acquisitions.
- Continued investment in digital banking capabilities.
What Are the Key Risks for CCB?
Financial-distress signal — its Altman Z-Score of 1.24 sits in the distress zone (elevated bankruptcy risk).
- Interest rate fluctuations impacting net interest margin.
- Increased competition from larger regional banks.
- Economic downturn in the Puget Sound region.
- Regulatory changes impacting the banking industry.
What Are the Growth Opportunities for CCB?
- Expansion of Banking as a Service (BaaS): Coastal Financial Corporation's BaaS platform offers a significant growth opportunity by enabling broker-dealers and digital financial service providers to offer banking services to their clients. The market for BaaS is projected to reach $11.3 billion by 2029, growing at a CAGR of 15.5% from 2024. By expanding its BaaS offerings and partnerships, Coastal Financial Corporation can tap into this rapidly growing market and generate new revenue streams. Timeline: Ongoing.
- Organic Growth in the Puget Sound Region: The Puget Sound region is experiencing strong economic growth, driven by the technology sector and increasing population. Coastal Financial Corporation can capitalize on this growth by expanding its branch network and increasing its market share among small to medium-sized businesses and individuals. This includes offering tailored financial solutions and personalized customer service. Timeline: Ongoing.
- Strategic Acquisitions: Coastal Financial Corporation can pursue strategic acquisitions of smaller banks or financial institutions in the Puget Sound region to expand its market presence and customer base. Acquisitions can provide access to new markets, products, and technologies, accelerating the company's growth. Timeline: Upcoming.
- Increased Focus on Digital Banking: As customer preferences shift towards digital banking, Coastal Financial Corporation can invest in enhancing its online and mobile banking platforms to attract and retain customers. This includes offering a wider range of digital services, such as online account opening, mobile check deposit, and digital payments. Timeline: Ongoing.
- Expansion of Commercial Lending: Coastal Financial Corporation can expand its commercial lending portfolio by targeting specific industries and sectors within the Puget Sound region. This includes offering specialized loan products and services tailored to the needs of small to medium-sized businesses in these industries. Timeline: Ongoing.
What Are CCB's Competitive Advantages?
- Strong local presence and brand recognition in the Puget Sound region.
- Banking as a Service (BaaS) platform provides a unique competitive advantage.
- Experienced management team with a proven track record.
- Focus on small to medium-sized businesses, a niche market with less competition.
What Does CCB Do?
Coastal Financial Corporation was founded in 1997 and is headquartered in Everett, Washington. The company operates as the bank holding company for Coastal Community Bank, providing a range of banking products and services tailored to small to medium-sized businesses, professionals, and individuals in the Puget Sound region of Washington. Coastal Community Bank offers a variety of deposit products, including demand and savings accounts, time deposits, and money market accounts, catering to diverse customer needs. Its lending portfolio encompasses commercial and industrial loans, such as term loans, SBA loans, commercial lines of credit, working capital loans, equipment financing, and borrowing base loans. The bank also provides real estate loans, including owner-occupied and non-owner-occupied properties, multi-family residential loans, and construction and land development loans. In addition to traditional banking services, Coastal Financial Corporation offers residential real estate loans, consumer loans (including auto, boat, and RV loans), and secured term loans. The bank enhances customer convenience through remote deposit capture, online and mobile banking, direct and reciprocal deposit services, and debit cards. Furthermore, Coastal Financial Corporation distinguishes itself through its Banking as a Service (BaaS) platform, enabling broker-dealers and digital financial service providers to offer banking services to their clients. Coastal Financial Corporation operates 14 full-service banking locations, reinforcing its commitment to local communities.
What Products and Services Does CCB Offer?
- Provides banking products and services to small and medium-sized businesses.
- Offers deposit accounts, including checking, savings, and money market accounts.
- Provides commercial and industrial loans, including term loans and SBA loans.
- Offers real estate loans, including residential and commercial properties.
- Provides consumer loans, including auto, boat, and RV loans.
- Offers Banking as a Service (BaaS) to broker-dealers and digital financial service providers.
- Provides online and mobile banking services.
- Operates 14 full-service banking locations.
How Does CCB Make Money?
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and other banking services.
- Provides Banking as a Service (BaaS) to generate fee income.
- Manages risk through prudent lending practices and diversification.
What Industry Does CCB Operate In?
Coastal Financial Corporation operates within the regional banking sector, which is characterized by increasing competition and evolving customer expectations. The industry is experiencing a shift towards digital banking solutions and personalized services. Coastal Financial Corporation's focus on small to medium-sized businesses and its Banking as a Service (BaaS) platform position it to capitalize on these trends. The regional banking sector is expected to grow at a moderate pace, driven by economic expansion and increasing demand for financial services.
Who Are CCB's Key Customers?
- Small to medium-sized businesses in the Puget Sound region.
- Professionals and individuals in the Puget Sound region.
- Broker-dealers and digital financial service providers (BaaS clients).
Company Profile
Coastal Financial Corporation operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Everett, US. The company is led by CEO Eric Sprink. CCB has traded publicly since 2018.
Financial Health
Coastal Financial Corporation's Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 1.24 places it in the distress zone, a signal of elevated financial risk.
Key Financial Metrics
Return on equity for Coastal Financial Corporation stands at 10.2%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.9%, showing how much profit it generates from its asset base. CCB trades at a trailing price-to-earnings ratio of 9.77, below the Financial Services sector average of ~18x. Its free cash flow yield is 21.3%, a gauge of the cash the business throws off relative to its market value. Its earnings yield is 4.2%, the inverse of the P/E and a quick read on earnings relative to price.
CCB Valuation & Market Position
With a $703M market cap, Coastal Financial Corporation sits in the small-cap segment of the market. Relative to its peer group, CCB's quantitative score of 43/100 is below the peer average of 81/100.
Forward Outlook
Wall Street analysts project Coastal Financial Corporation revenue of about $621.5M for fiscal 2026, with EPS near $1.96.
CCB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests those in the know see value, a classic bullish signal.
- The community buzz is largely optimistic, with many focusing on potential growth opportunities.
- Coastal Financial seems to be gaining positive attention for its community-focused banking model.
- Market perception is shifting towards regional banks, potentially benefiting Coastal Financial.
Bear Case
- Insider activity, while showing buys, also includes some selling, indicating mixed sentiment.
- Community sentiment isn't universally positive; some express concerns about future economic headwinds.
- There's a perception that smaller banks may face challenges in a rising interest rate environment.
- The overall market sentiment is cautious, with fears of a broader economic slowdown impacting financials.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
CCB Latest News
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Top Midday Decliners
MT Newswires · Jul 30, 2026
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Gold Surges 3%; Bristol-Myers Squibb Earnings Top Views
benzinga · Jul 30, 2026
CCB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CCB.
Price Targets
Consensus target: $110.00
CCB MoonshotScore
What does this score mean?
The MoonshotScore rates CCB 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Eric Sprink
CEO
Eric Sprink serves as the CEO of Coastal Financial Corporation, bringing extensive experience in the banking industry. His career spans several decades, with a focus on community banking and financial services. Sprink's expertise includes strategic planning, risk management, and business development. He has a deep understanding of the Puget Sound region's economic landscape and the needs of small to medium-sized businesses. Sprink is actively involved in community organizations and initiatives, reflecting Coastal Financial Corporation's commitment to local communities.
Track Record: Under Eric Sprink's leadership, Coastal Financial Corporation has experienced significant growth and expansion. He has overseen the development and implementation of the company's Banking as a Service (BaaS) platform, a key driver of revenue growth. Sprink has also led the company's efforts to enhance its digital banking capabilities and expand its branch network. Coastal Financial Corporation has achieved consistent profitability and strong financial performance under his guidance.
Common Questions About CCB (Financial Services)
What does the AI Score mean for CCB?
CCB holds an AI Score of 43/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. Coastal Financial Corporation, through its subsidiary Coastal Community Bank, provides banking products and services to small and medium-sized businesses, professionals, and individuals in …
What does Coastal Financial Corporation do?
Coastal Financial Corporation, through its subsidiary Coastal Community Bank, provides a comprehensive suite of banking products and services to small and medium-sized businesses, professionals, and individuals in the Puget Sound region of Washington. Beyond traditional banking, it distinguishes itself with a Banking as a Service (BaaS) platform, enabling fintech companies to offer banking services.
What do analysts say about CCB stock?
Analyst coverage of Coastal Financial Corporation (CCB) reflects a generally positive outlook, acknowledging its strategic focus on the Puget Sound region and its innovative BaaS platform. Key valuation metrics, such as the P/E ratio of 9.8, are considered in the context of its growth potential. Analysts highlight the company's ability to generate consistent profits and manage risk effectively.
What are the main risks for CCB?
Coastal Financial Corporation faces several key risks, including interest rate fluctuations, which can impact its net interest margin. Increased competition from larger regional and national banks poses a threat to its market share. An economic downturn in the Puget Sound region could negatively affect loan demand and asset quality.
How does Coastal Financial Corporation make money in financial services?
Coastal Financial Corporation generates revenue primarily through interest income earned on loans, which constitute a significant portion of its assets. It also earns fees from various banking services, including deposit accounts, wire transfers, and other transactions.
How is Coastal Financial Corporation adapting to fintech disruption?
Coastal Financial Corporation is proactively adapting to fintech disruption through its Banking as a Service (BaaS) platform. This platform allows fintech companies and other non-bank entities to integrate banking services into their own offerings, expanding Coastal Financial's reach and customer base. By embracing fintech innovation, Coastal Financial is positioning itself as a partner to disruptors rather than a competitor.
What are the key factors to evaluate for CCB?
Coastal Financial Corporation (CCB) holds an AI score of 43/100 (low). P/E: 9.8x vs the S&P 500's ~20-25x. Analysts target $110.00 (+139%). Not financial advice.
How frequently does CCB data refresh on this page?
CCB's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven CCB's recent stock price performance?
Coastal Financial Corporation (CCB) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence in the Puget Sound region. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data as of 2026-05-10.
- Financial metrics are based on the most recent available reports.