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Upturn AI SWOT - About
Coastal Financial Corp (CCB)
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Upturn Advisory Summary
08/14/2025: CCB (3-star) is a STRONG-BUY. BUY since 1 days. Profits (0.00%). Updated daily EoD!
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
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $115.5
1 Year Target Price $115.5
| 3 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 64.74% | Avg. Invested days 45 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.63B USD | Price to earnings Ratio 32.88 | 1Y Target Price 115.5 |
Price to earnings Ratio 32.88 | 1Y Target Price 115.5 | ||
Volume (30-day avg) 4 | Beta 1.01 | 52 Weeks Range 47.90 - 108.69 | Updated Date 08/15/2025 |
52 Weeks Range 47.90 - 108.69 | Updated Date 08/15/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 3.28 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-28 | When Before Market | Estimate 1.07 | Actual 0.71 |
Profitability
Profit Margin 14.14% | Operating Margin (TTM) 17.4% |
Management Effectiveness
Return on Assets (TTM) 1.13% | Return on Equity (TTM) 12.23% |
Valuation
Trailing PE 32.88 | Forward PE - | Enterprise Value 971844800 | Price to Sales(TTM) 4.84 |
Enterprise Value 971844800 | Price to Sales(TTM) 4.84 | ||
Enterprise Value to Revenue 4.04 | Enterprise Value to EBITDA - | Shares Outstanding 15109100 | Shares Floating 12944713 |
Shares Outstanding 15109100 | Shares Floating 12944713 | ||
Percent Insiders 16.44 | Percent Institutions 75.46 |
Upturn AI SWOT
Coastal Financial Corp
Company Overview
History and Background
Coastal Financial Corporation was founded in 2007. It operates as the bank holding company for Coastal Community Bank, providing banking products and services to small and medium-sized businesses, professionals, and individuals in the Puget Sound region of Washington.
Core Business Areas
- Commercial Banking: Provides a range of commercial loans, deposit accounts, and cash management services tailored to businesses.
- Retail Banking: Offers personal checking and savings accounts, residential mortgages, and other consumer loan products.
- Wealth Management: Provides investment advisory services and financial planning.
Leadership and Structure
The leadership team is headed by Eric Sprink, President and CEO. The organizational structure includes various departments such as lending, operations, finance, and marketing.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans for business expansion, equipment financing, and working capital. Coastal Community Bank is a substantial player in its local market with around 2% market share. Key competitors include larger national and regional banks like US Bank and KeyBank, plus other smaller community banks.
- Residential Mortgages: Mortgages for home purchase and refinance. Competition is very high in this area, coming from national and local banks, and credit unions, like Bank of America, Chase, and BECU.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Competitors include all other banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased competition from fintech companies, and regulatory changes. Community banks are focused on providing personalized service and local expertise.
Positioning
Coastal Financial Corp positions itself as a community-focused bank offering personalized service and local decision-making. They aim to build strong relationships with their customers and support the local economy.
Total Addressable Market (TAM)
The total addressable market for banking services in the Puget Sound region is estimated to be several billion dollars. Coastal Financial Corp is positioned to capture a portion of this market through its community-focused approach and strong relationships.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Personalized customer service
- Experienced management team
- Strong loan portfolio performance
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economy
- Less diversified revenue streams
Opportunities
- Expansion into new markets
- Increased adoption of digital banking services
- Strategic acquisitions
- Growth in the local economy
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- USB
- KEY
- WAFD
Competitive Landscape
Coastal Financial Corp competes with larger regional and national banks, as well as other community banks. Its competitive advantages include its strong local presence and personalized service. However, its smaller size and limited geographic reach are disadvantages.
Major Acquisitions
Sound Financial Bancorp
- Year: 2018
- Acquisition Price (USD millions): 159.7
- Strategic Rationale: Expanded market presence in the Puget Sound region.
Growth Trajectory and Initiatives
Historical Growth: Coastal Financial has experienced growth in assets, loans, and deposits in recent years, driven by organic growth and strategic acquisitions.
Future Projections: Analyst estimates should provide projections for future revenue growth, earnings growth, and asset growth.
Recent Initiatives: Recent initiatives may include branch expansions, investments in digital banking technology, and new product launches.
Summary
Coastal Financial Corp is a community bank with a strong local presence, delivering personalized service. Growth is driven by acquisitions and organic expansion. Risks include increased competition and economic downturn. Strong financial results could attract more investors.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC filings
- Company website
- Analyst reports
- Industry publications
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Financial data may be outdated.
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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