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Upturn AI SWOT - About
Coastal Financial Corp (CCB)
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Upturn Advisory Summary
11/05/2025: 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
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $131.2
1 Year Target Price $131.2
| 3 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 61.18% | Avg. Invested days 51 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.59B USD | Price to earnings Ratio 32.18 | 1Y Target Price 131.2 |
Price to earnings Ratio 32.18 | 1Y Target Price 131.2 | ||
Volume (30-day avg) 4 | Beta 0.9 | 52 Weeks Range 70.21 - 119.22 | Updated Date 11/5/2025 |
52 Weeks Range 70.21 - 119.22 | Updated Date 11/5/2025 | ||
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 2025-10-27 | When After Market | Estimate 0.88 | Actual 0.88 |
Profitability
Profit Margin 13.93% | Operating Margin (TTM) 21.26% |
Management Effectiveness
Return on Assets (TTM) 1.11% | Return on Equity (TTM) 11.82% |
Valuation
Trailing PE 32.18 | Forward PE 16.72 | Enterprise Value 1005617472 | Price to Sales(TTM) 4.66 |
Enterprise Value 1005617472 | Price to Sales(TTM) 4.66 | ||
Enterprise Value to Revenue 4.08 | Enterprise Value to EBITDA - | Shares Outstanding 15112000 | Shares Floating 13010979 |
Shares Outstanding 15112000 | Shares Floating 13010979 | ||
Percent Insiders 16.21 | Percent Institutions 77.29 |
Upturn AI SWOT
Coastal Financial Corp
Company Overview
History and Background
Coastal Financial Corporation, founded in 2005 and headquartered in Everett, Washington, operates as the bank holding company for Coastal Community Bank. Initially focused on serving the needs of small and medium-sized businesses in the Puget Sound region, it has grown through organic expansion and strategic acquisitions.
Core Business Areas
- Community Banking: Offers a range of commercial and consumer banking products and services, including checking and savings accounts, loans, and treasury management services.
- Mortgage Lending: Provides residential mortgage loans through its network and partnerships.
Leadership and Structure
The leadership team includes Eric Sprink as President and CEO. The organizational structure is typical of a community bank, with various departments overseeing lending, operations, finance, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Includes term loans, lines of credit, and commercial real estate loans, focusing on small to medium-sized businesses in their region. While specific market share data is unavailable, they compete with larger national and regional banks, credit unions and other community banks.
- Residential Mortgages: Offers a variety of mortgage products, including fixed-rate and adjustable-rate mortgages. They compete with national mortgage lenders, regional banks, and mortgage brokers.
- Deposit Accounts: Include checking, savings, and money market accounts for individuals and businesses. Competition is against other local banks and credit unions. Market share is regionally dependent but information is limited to exact figures.
Market Dynamics
Industry Overview
The community banking industry is characterized by increasing regulatory scrutiny, technological disruption, and competition from larger financial institutions. There is a focus on community involvement and supporting local economies.
Positioning
Coastal Financial Corp positions itself as a relationship-focused community bank, emphasizing local decision-making and personalized service. Their competitive advantage lies in their responsiveness and understanding of the local market.
Total Addressable Market (TAM)
The total addressable market is the sum of all banking needs within their geographic region. While the exact value isn't publicly stated, Coastal Financial Corp aims to capture a significant portion by focusing on specific market niches and emphasizing local relationships.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Relationship-focused banking approach
- Experienced management team
- Solid asset quality metrics
Weaknesses
- Limited geographic reach compared to larger banks
- Smaller balance sheet relative to competitors
- Reliance on regional economic conditions
- Higher operating expenses relative to online banks
Opportunities
- Expansion into new markets within the region
- Adoption of new technologies to improve efficiency
- Increased demand for community banking services
- Potential for strategic acquisitions
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturns
- Increased regulatory burden
Competitors and Market Share
Key Competitors
- WAFD
- UMPQ
- COLB
Competitive Landscape
Coastal Financial Corp benefits from its local market knowledge and customer relationships. However, it faces competition from larger regional and national banks with greater resources and broader product offerings.
Growth Trajectory and Initiatives
Historical Growth: Discussion of historical growth rates in loans, deposits, and assets, with numerical data supporting the analysis.
Future Projections: Analyst estimates for future revenue and earnings growth would be included.
Recent Initiatives: Highlighting recent strategic initiatives like new branch openings or technology upgrades.
Summary
Coastal Financial Corp is a community bank focused on serving small to medium businesses with a relationship-focused approach. Its strengths are its local presence and experienced management team. Potential threats include competition from larger banks and economic downturns. Continued strategic initiatives can help drive future growth.
Similar Stocks
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q)
- Company Website
- Analyst Reports
- FDIC Data
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market share data is estimated and may not be precise. Future performance is subject to various risks and uncertainties.
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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