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Coastal Financial Corp (CCB)
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Upturn Advisory Summary
01/07/2026: CCB (3-star) is a STRONG-BUY. BUY since 21 days. Simulated Profits (2.70%). 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 $135.2
1 Year Target Price $135.2
| 3 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 65.54% | Avg. Invested days 47 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 01/07/2026 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.78B USD | Price to earnings Ratio 37.12 | 1Y Target Price 135.2 |
Price to earnings Ratio 37.12 | 1Y Target Price 135.2 | ||
Volume (30-day avg) 4 | Beta 0.9 | 52 Weeks Range 76.11 - 120.05 | Updated Date 01/6/2026 |
52 Weeks Range 76.11 - 120.05 | Updated Date 01/6/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 3.18 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 13.89% | Operating Margin (TTM) 21.26% |
Management Effectiveness
Return on Assets (TTM) 1.11% | Return on Equity (TTM) 11.82% |
Valuation
Trailing PE 37.12 | Forward PE 17.7 | Enterprise Value 1195459712 | Price to Sales(TTM) 5.19 |
Enterprise Value 1195459712 | Price to Sales(TTM) 5.19 | ||
Enterprise Value to Revenue 4.38 | Enterprise Value to EBITDA - | Shares Outstanding 15121263 | Shares Floating 13020466 |
Shares Outstanding 15121263 | Shares Floating 13020466 | ||
Percent Insiders 16.16 | Percent Institutions 81.74 |
Upturn AI SWOT
Coastal Financial Corp
Company Overview
History and Background
Coastal Financial Corp. (NASDAQ: CCB) was founded in 1919. It operates as a community-focused financial institution with a strong presence in the Pacific Northwest. The company has grown organically and through strategic acquisitions, expanding its service offerings and geographical reach while maintaining its commitment to personalized customer service and community involvement.
Core Business Areas
- Community Banking: Coastal Financial Corp. provides a full range of banking services to individuals and businesses, including checking and savings accounts, money market accounts, certificates of deposit, commercial and consumer loans, and lines of credit. They emphasize building long-term relationships with their customers.
- Mortgage Lending: The company offers various mortgage products, including fixed-rate and adjustable-rate mortgages, FHA loans, and VA loans, catering to homebuyers and those looking to refinance existing mortgages.
- Treasury and Cash Management Services: For business clients, Coastal Financial Corp. provides services such as remote deposit capture, wire transfers, and payroll services to help manage their cash flow efficiently.
Leadership and Structure
Coastal Financial Corp. is led by a team of experienced executives, including a CEO, CFO, and various division heads responsible for operations, lending, and retail banking. The company maintains a traditional hierarchical structure with a board of directors overseeing strategic direction.
Top Products and Market Share
Key Offerings
- Checking and Savings Accounts: Core deposit products offered to individuals and businesses. Market share data is not publicly available at a product level, but these are foundational to their retail banking operations. Competitors include major national banks and other regional community banks.
- Commercial Loans: Loans and lines of credit provided to small and medium-sized businesses. This is a key growth area for community banks. Competitors include large national banks, other regional banks, and specialized commercial lenders.
- Residential Mortgages: Home purchase and refinance loans. Competition comes from national mortgage lenders, other community banks, and online mortgage providers.
Market Dynamics
Industry Overview
The US banking industry, particularly community banking, is characterized by intense competition, evolving regulatory landscapes, and the increasing demand for digital banking services. Interest rate fluctuations significantly impact profitability. Consolidation is also a trend as institutions seek scale and efficiency.
Positioning
Coastal Financial Corp. positions itself as a customer-centric community bank, emphasizing personalized service and deep local market knowledge. Its competitive advantages lie in its strong local relationships, agility compared to larger banks, and a focus on the Pacific Northwest region.
Total Addressable Market (TAM)
The total addressable market for banking services in the US is in the trillions of dollars. Coastal Financial Corp. targets a specific segment within this TAM, focusing on individuals and businesses in its operating regions. Its positioning is as a niche player within a broader market, aiming for strong penetration in its chosen markets rather than aiming for a significant share of the overall national TAM.
Upturn SWOT Analysis
Strengths
- Strong community ties and brand loyalty in its operating regions.
- Personalized customer service that differentiates from larger institutions.
- Experienced management team with deep industry knowledge.
- Conservative lending practices contributing to asset quality.
Weaknesses
- Limited geographic diversification compared to national banks.
- Potentially slower adoption of cutting-edge digital technologies.
- Reliance on net interest margin for profitability, making it sensitive to interest rate changes.
- Smaller scale may limit ability to compete on price for certain products.
Opportunities
- Expansion into adjacent geographic markets within the Pacific Northwest.
- Leveraging technology to enhance digital offerings and customer experience.
- Growth in small business lending as the economy recovers.
- Potential for strategic partnerships or acquisitions.
Threats
- Intensifying competition from larger banks and fintech companies.
- Rising interest rates could increase funding costs and reduce loan demand.
- Cybersecurity threats and data breaches.
- Changes in banking regulations and compliance costs.
Competitors and Market Share
Key Competitors
- Columbia Banking System Inc. (COLB)
- Numerica Credit Union (not a public stock)
- Umpqua Holdings Corporation (UMPQ)
Competitive Landscape
Coastal Financial Corp. competes by offering more personalized service and deeper community engagement than larger national banks. However, it faces challenges from larger competitors with greater resources for technology and marketing, as well as credit unions that may offer more competitive rates due to their member-owned structure. Its advantage lies in its focused regional strategy and strong customer relationships.
Growth Trajectory and Initiatives
Historical Growth: Coastal Financial Corp. has demonstrated consistent historical growth in assets, loans, and deposits, driven by its community banking model and strategic focus. This growth has been supported by prudent risk management.
Future Projections: Analyst projections for CCB typically focus on moderate loan growth, stable deposit growth, and continued profitability, with growth rates influenced by the economic outlook and interest rate trends. Specific projections are subject to market analysis.
Recent Initiatives: Recent initiatives likely include enhancing digital banking capabilities, expanding commercial lending efforts, and optimizing branch networks to align with evolving customer preferences.
Summary
Coastal Financial Corp. is a stable, community-focused bank with a strong regional presence. Its core strengths lie in its customer relationships and personalized service, which differentiate it in a competitive market. However, it faces challenges from larger institutions and evolving digital demands. Continued investment in technology and strategic market expansion are key for future growth.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Investor Relations Filings (SEC EDGAR)
- Financial News Outlets
- Market Research Reports
Disclaimers:
This analysis is based on publicly available information and is intended for informational purposes only. It does not constitute investment advice. Investors should conduct their own due diligence before making any investment decisions.
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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