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Coastal Financial Washington
CCB.US
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.
642.38 B
CCB.USMarket value -Rank by Market Cap -/-

Financial Score

05/12/2025 Update
B
Regional BanksIndustry
Industry Ranking15/306
Industry medianC
Industry averageC
Score Analysis
Peer Comparison
  • Criteria
    Rating
  • Profit ScoreB
    • ROE11.82%B
    • Profit Margin13.88%B
    • Gross Margin0.00%E
  • Growth ScoreB
    • Revenue YoY26.18%A
    • Net Profit YoY16.77%B
    • Total Assets YoY11.98%B
    • Net Assets YoY43.19%A
  • Cash ScoreB
    • Cash Flow Margin720.22%B
    • OCF YoY26.18%A
  • Operating ScoreE
    • Turnover0E
  • Debt ScoreA
    • Gearing Ratio0.00%A

Valuation analysis

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Institutional View & Shareholder

Analyst Ratings

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    News
    View More

    Coastal Financial (CCB): Evaluating Valuation After Earnings Beat and Loan Growth Momentum

    Coastal Financial (CCB) reported strong Q3 earnings, exceeding revenue expectations and showing growth in loans and deposits. The stock has a year-to-date return of 25.66% and a 1-year total return of 68.35%. However, it trades at a high P/E ratio of 33.7, significantly above industry averages, raising concerns about overvaluation. While the SWS DCF model suggests the stock may be undervalued by 22.4%, risks remain if loan growth slows or rates rise. Investors are advised to consider these factors when evaluating future growth potential.

    Simplywall·
    US
    CCB
    +0.67%
    Simplywall·
    US
    CCB
    +0.67%

    Coastal Financial Q3 Earnings, Revenue Fall

    Coastal Financial Q3 Earnings, Revenue Fall

    marketscreener·
    US
    CCB
    +0.67%
    marketscreener·
    US
    CCB
    +0.67%

    Coastal Financial Reports Strong Q3 2025 Results

    Coastal Financial Corporation (CCB) reported strong Q3 2025 results, with a 4.6% increase in loans and a 1.5% rise in deposits. Total revenue surged by 21.1%, and net income rose by 23.2%. Future growth is anticipated from new products and partner programs. Analysts rate CCB stock as a Hold with a $112.00 target, while Spark's AI Analyst gives it a Neutral score due to strong performance but notes potential short-term weakness and overvaluation concerns. Coastal Financial focuses on banking solutions and expanding credit services, with a market cap of $1.58B.

    Tip Ranks·
    US
    CCB
    +0.67%
    Tip Ranks·
    US
    CCB
    +0.67%

    Coastal Financial Washington | 8-K: FY2025 Q3 Revenue: USD 144.68 M

    LB filings·
    US
    CCB
    +0.67%
    LB filings·
    US
    CCB
    +0.67%

    Coastal Financial Corp. Reports Q3 Net Income of $13.6 Million

    Coastal Financial Corporation reported Q3 net income of $13.6 million, or $0.88 per diluted share, up from $11.0 million in Q2 2025 and $13.5 million in Q3 2024. Interest and dividend income rose to $109.0 million, while net interest income increased to $77.9 million. Provision for credit losses was $56.6 million, up from $32.2 million in Q2 but down from $70.3 million in Q3 2024. Uninsured deposits reached $617.9 million, and total shareholders’ equity rose by $13.6 million. The banking-as-a-service segment, CCBX, reported 29 active relationships.

    Reuters·
    US
    CCB
    +0.67%
    Reuters·
    US
    CCB
    +0.67%
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