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Upturn AI SWOT - About
Coastal Financial Corp (CCB)
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Upturn Advisory Summary
06/20/2025: CCB (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
4 Analysts rated it
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
Year Target Price $108.5
Year Target Price $108.5
| 3 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit 72.74% | Avg. Invested days 58 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 06/20/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.50B USD | Price to earnings Ratio 29.48 | 1Y Target Price 108.5 |
Price to earnings Ratio 29.48 | 1Y Target Price 108.5 | ||
Volume (30-day avg) - | Beta 0.96 | 52 Weeks Range 43.43 - 102.25 | Updated Date 06/29/2025 |
52 Weeks Range 43.43 - 102.25 | Updated Date 06/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 3.39 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 14.95% | Operating Margin (TTM) 14.95% |
Management Effectiveness
Return on Assets (TTM) 1.17% | Return on Equity (TTM) 12.78% |
Valuation
Trailing PE 29.48 | Forward PE - | Enterprise Value 930789888 | Price to Sales(TTM) 4.66 |
Enterprise Value 930789888 | Price to Sales(TTM) 4.66 | ||
Enterprise Value to Revenue 3.57 | Enterprise Value to EBITDA - | Shares Outstanding 15026300 | Shares Floating 12862639 |
Shares Outstanding 15026300 | Shares Floating 12862639 | ||
Percent Insiders 16.53 | Percent Institutions 74.42 |
Analyst Ratings
Rating 4.75 | Target Price 108.5 | Buy 1 | Strong Buy 3 |
Buy 1 | Strong Buy 3 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Coastal Financial Corp
Company Overview
History and Background
Coastal Financial Corp, headquartered in Everett, Washington, was founded in 1996. Initially operating as a thrift, the company transitioned to a commercial bank and has focused on serving small to medium-sized businesses and individuals in the Puget Sound region. Through strategic acquisitions and organic growth, it has expanded its presence and service offerings.
Core Business Areas
- Commercial Banking: Provides a range of commercial banking services, including lending, deposit accounts, and cash management solutions for businesses.
- Retail Banking: Offers personal banking services, such as checking and savings accounts, mortgages, and personal loans to individuals.
- Wealth Management: Provides wealth management and investment advisory services to individuals and families.
Leadership and Structure
Coastal Financial Corp is led by CEO Eric Sprink. The company has a traditional organizational structure with various departments overseeing different aspects of its banking operations, including lending, finance, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Commercial Real Estate (CRE) loans are a significant component of Coastal's lending portfolio, serving small and medium-sized businesses in the Puget Sound region. Market share data is not publicly available at a granular level. Competitors include larger regional banks and national banks like U.S. Bank (USB) and Bank of America (BAC).
- Small Business Loans: Coastal provides SBA and conventional small business loans, tailored to local businesses. Market share data is not publicly available. Competitors include local credit unions and online lenders, as well as banks like KeyCorp (KEY).
- Deposit Accounts: Checking, savings, and money market accounts for businesses and individuals. Market share is regional and specific data is not publicly disclosed. Competitors include other regional banks such as Banner Corporation (BANR).
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, rising interest rates, and technological disruption. Competition is intense, with both traditional banks and fintech companies vying for market share. Consolidation continues to be a trend.
Positioning
Coastal Financial Corp focuses on providing personalized banking services to small and medium-sized businesses in the Puget Sound region. Its competitive advantage lies in its local market knowledge and customer-centric approach. It serves a niche that larger banks often overlook.
Total Addressable Market (TAM)
The TAM for community banking in the Puget Sound region is estimated to be in the billions of dollars. Coastal Financial Corp aims to capture a greater share of this market by focusing on customer relationships and local expertise. Specific TAM numbers are difficult to quantify precisely without proprietary data.
Upturn SWOT Analysis
Strengths
- Strong local presence in the Puget Sound region
- Customer-centric approach
- Experienced management team
- Solid credit quality
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger competitors
- Reliance on commercial real estate lending
- Exposure to interest rate risk
Opportunities
- Expanding into new markets within Washington State
- Increasing digital banking capabilities
- Acquiring smaller community banks
- Growing wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in the Puget Sound region
- Rising interest rates
- Increased regulatory burden
Competitors and Market Share
Key Competitors
- USB
- KEY
- BANR
- WAFD
Competitive Landscape
Coastal Financial Corp faces competition from larger regional and national banks. Its advantage lies in its local market knowledge and customer-centric approach. It must continue to innovate and differentiate itself to compete effectively.
Major Acquisitions
Sound Community Bank
- Year: 2021
- Acquisition Price (USD millions): 46.4
- Strategic Rationale: Expanded Coastal Financial Corp's presence in the Puget Sound region and increased its deposit base.
Growth Trajectory and Initiatives
Historical Growth: Coastal Financial Corp has demonstrated strong historical growth, driven by organic expansion and strategic acquisitions.
Future Projections: Future growth projections depend on the company's ability to execute its strategic initiatives, including expanding into new markets and growing its digital banking capabilities. Analyst estimates vary but generally forecast continued growth in revenue and earnings, although numbers are subject to market conditions.
Recent Initiatives: Recent initiatives include investments in technology to improve the customer experience, expansion of its lending activities, and expansion into new branch locations.
Summary
Coastal Financial Corp is a regional bank that has shown strong growth in recent years through organic expansion and strategic acquisitions. They have a solid position in the Puget Sound region, but also face increased competition. Future success hinges on its ability to differentiate itself and efficiently integrate any acquisitions, especially given rising rates which may pose a threat to its earnings. The company needs to continue to grow but also focus on its loan diversification.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings (10-K, 10-Q)
- Analyst Reports
- FDIC Data
- Yahoo Finance
Disclaimers:
The information provided is for informational purposes only and should not be construed as financial advice. Investment decisions should be based on independent research and consultation with a qualified financial advisor. Market share data is based on available estimates and may not be precise. Financial data presented is for illustrative purposes and needs to be verified with current financial statements. Actuals may vary.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Coastal Financial Corp
Exchange NASDAQ | Headquaters Everett, WA, United States | ||
IPO Launch date 2018-07-18 | CEO & Director Mr. Eric M. Sprink | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 488 | Website https://www.coastalbank.com |
Full time employees 488 | Website https://www.coastalbank.com | ||
Coastal Financial Corporation operates as the bank holding company for Coastal Community Bank that provides various banking products and services to small and 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, such as term loans, commercial lines of credit, capital call lines working capital loans, equipment financing, borrowing base loans, small business administration loans, and other loan products; owner and non-owner-occupied real estate loans, and multi-family residential loans; construction, land, 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 personal lines of credit, including overdraft protection. In addition, it provides remote deposit capture, online and mobile banking, and direct and reciprocal deposit services; and debit cards. Further, 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 customers banking services. The company was founded in 1997 and is headquartered in Everett, Washington.
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