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Upturn AI SWOT - About
Coastal Financial Corp (CCB)
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Upturn Advisory Summary
09/16/2025: CCB (3-star) is a REGULAR-BUY. BUY since 23 days. Simulated Profits (0.19%). 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 $119
1 Year Target Price $119
| 3 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 65.04% | Avg. Invested days 48 | Today’s Advisory Regular Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/16/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.65B USD | Price to earnings Ratio 33.23 | 1Y Target Price 119 |
Price to earnings Ratio 33.23 | 1Y Target Price 119 | ||
Volume (30-day avg) 4 | Beta 1.06 | 52 Weeks Range 50.06 - 118.00 | Updated Date 09/15/2025 |
52 Weeks Range 50.06 - 118.00 | Updated Date 09/15/2025 | ||
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 - | When - | Estimate - | Actual - |
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 33.23 | Forward PE - | Enterprise Value 979097152 | Price to Sales(TTM) 4.9 |
Enterprise Value 979097152 | Price to Sales(TTM) 4.9 | ||
Enterprise Value to Revenue 4.09 | Enterprise Value to EBITDA - | Shares Outstanding 15109100 | Shares Floating 12949094 |
Shares Outstanding 15109100 | Shares Floating 12949094 | ||
Percent Insiders 16.44 | Percent Institutions 75.64 |
Upturn AI SWOT
Coastal Financial Corp
Company Overview
History and Background
Coastal Financial Corp was founded in 1997 and has grown organically and through acquisitions to serve businesses, professionals, and individuals in the Puget Sound region of Washington. The company initially focused on traditional banking services but has expanded into specialized lending and wealth management.
Core Business Areas
- Commercial Banking: Provides a range of banking products and services to businesses, including commercial loans, deposit accounts, and cash management services.
- Retail Banking: Offers traditional retail banking services such as checking and savings accounts, personal loans, and mortgage lending.
- Wealth Management: Provides wealth management services to individuals and families, including investment management, financial planning, and trust services.
Leadership and Structure
Coastal Financial Corp is led by CEO Eric Sprink. The company's organizational structure includes executive management, lending teams, branch managers, and support staff, all overseen by a board of directors.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Offers commercial real estate loans for various property types. Market share data is unavailable, but competes with larger national and regional banks such as U.S. Bank (USB), KeyCorp (KEY), and Wells Fargo (WFC).
- Small Business Loans (SBA): Provides SBA loans to small businesses. Market share data is unavailable. Competitors include Live Oak Bancshares (LOB), and regional banks.
- Deposit Accounts: Offers a range of deposit accounts including checking, savings, and money market accounts. Market share data is unavailable. Competitors include all national and regional banks.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory scrutiny, and competition from fintech companies. Community banks face challenges in maintaining profitability and market share.
Positioning
Coastal Financial Corp positions itself as a community bank focused on providing personalized service and local expertise. It competes with larger banks and credit unions by emphasizing its responsiveness and relationship-based approach.
Total Addressable Market (TAM)
The TAM for banking services in the Puget Sound region is estimated to be in the billions of dollars. Coastal Financial Corp aims to capture a larger share of this market through organic growth and acquisitions. No publicly available TAM number.
Upturn SWOT Analysis
Strengths
- Strong local presence and brand recognition
- Experienced management team
- High-quality customer service
- Strong asset quality
Weaknesses
- Limited geographic reach compared to larger banks
- Reliance on traditional banking services
- Lower technological capabilities than larger institutions
- Sensitivity to interest rate fluctuations
Opportunities
- Expansion into new markets through acquisitions
- Investment in technology to improve customer experience
- Increased demand for commercial real estate loans
- Growth in wealth management services
Threats
- Competition from larger national and regional banks
- Increased regulatory scrutiny
- Economic downturn impacting loan demand
- Rising interest rates increasing borrowing costs
Competitors and Market Share
Key Competitors
- USB
- KEY
- WFC
- MTSI
- BOKF
Competitive Landscape
Coastal Financial Corp faces intense competition from larger national and regional banks. To compete effectively, it must differentiate itself through personalized service, local expertise, and innovative products.
Growth Trajectory and Initiatives
Historical Growth: Coastal Financial Corp has experienced moderate growth in recent years, driven by organic growth and strategic acquisitions.
Future Projections: Future growth projections depend on various factors, including economic conditions, interest rates, and competitive landscape. Analyst estimates are unavailable at this time.
Recent Initiatives: Recent initiatives include expanding digital banking services, increasing commercial lending activities, and pursuing strategic acquisitions.
Summary
Coastal Financial Corp is a community bank with a strong local presence in the Puget Sound region. Its strengths lie in its customer service and local expertise, but it faces challenges from larger competitors and the evolving financial landscape. Strategic acquisitions and investments in technology will be crucial for its future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is estimates. Financial metrics require real-time sources and analysis.
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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