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Financial Services - Banks - Regional - NASDAQ - US
$ 79.91
-0.687 %
$ 1.2 B
Market Cap
23.45
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on May, 7, 2025.

The intrinsic value of one CCB stock under the worst case scenario is HIDDEN Compared to the current market price of 79.9 USD, Coastal Financial Corporation is HIDDEN

This DCF valuation model was last updated on May, 7, 2025.

The intrinsic value of one CCB stock under the base case scenario is HIDDEN Compared to the current market price of 79.9 USD, Coastal Financial Corporation is HIDDEN

This DCF valuation model was last updated on May, 7, 2025.

The intrinsic value of one CCB stock under the best case scenario is HIDDEN Compared to the current market price of 79.9 USD, Coastal Financial Corporation is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart CCB

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$105.0$105.0$100.0$100.0$95.0$95.0$90.0$90.0$85.0$85.0$80.0$80.0$75.0$75.0$70.0$70.015 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '25
FINANCIALS
397 M REVENUE
20.10%
57.3 M OPERATING INCOME
0.32%
45.2 M NET INCOME
1.44%
260 M OPERATING CASH FLOW
32.20%
-609 M INVESTING CASH FLOW
-1.60%
318 M FINANCING CASH FLOW
-41.46%
168 M REVENUE
56.09%
102 M OPERATING INCOME
309.55%
13.4 M NET INCOME
-0.66%
62 M OPERATING CASH FLOW
-2.19%
-143 M INVESTING CASH FLOW
5.08%
50 M FINANCING CASH FLOW
-40.90%
Balance Sheet Coastal Financial Corporation
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Current Assets 670 M
Cash & Short-Term Investments 36.6 M
Receivables 35.2 M
Other Current Assets 598 M
Non-Current Assets 90.8 M
Long-Term Investments 58.1 M
PP&E 32.6 M
Other Non-Current Assets 0
4.81 %4.63 %78.62 %7.64 %4.29 %Total Assets$760.4m
Current Liabilities 35.5 M
Accounts Payable 30.1 M
Short-Term Debt 0
Other Current Liabilities 5.4 M
Non-Current Liabilities 3.68 B
Long-Term Debt 4.38 M
Other Non-Current Liabilities 3.67 B
98.92 %Total Liabilities$3.7b
EFFICIENCY
Earnings Waterfall Coastal Financial Corporation
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Revenue 397 M
Cost Of Revenue 0
Gross Profit 397 M
Operating Expenses 453 M
Operating Income 57.3 M
Other Expenses 12.1 M
Net Income 45.2 M
400m400m350m350m300m300m250m250m200m200m150m150m100m100m50m50m00(50m)(50m)(100m)(100m)397m0397m(453m)57m(12m)45mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
14.45% OPERATING MARGIN
14.45%
11.40% NET MARGIN
11.40%
10.31% ROE
10.31%
1.10% ROA
1.10%
6.24% ROIC
6.24%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Coastal Financial Corporation
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250m250m200m200m150m150m100m100m50m50m00(50m)(50m)2015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 45.2 M
Depreciation & Amortization 4.55 M
Capital Expenditures -9.9 M
Stock-Based Compensation 4.84 M
Change in Working Capital 0
Others 138 M
Free Cash Flow 250 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Coastal Financial Corporation
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Wall Street analysts predict an average 1-year price target for CCB of $102 , with forecasts ranging from a low of $100 to a high of $105 .
CCB Lowest Price Target Wall Street Target
100 USD 25.14%
CCB Average Price Target Wall Street Target
102 USD 28.27%
CCB Highest Price Target Wall Street Target
105 USD 31.40%
Price
Max Price Target
Min Price Target
Average Price Target
110110100100909080807070606050504040Jun '24Jun '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
5. COMPETITION
slide 2 of 13
6. Ownership
Insider Ownership Coastal Financial Corporation
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Sold
0-3 MONTHS
127 K USD 1
3-6 MONTHS
0 USD 0
6-9 MONTHS
9.65 M USD 3
9-12 MONTHS
540 K USD 1
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Coastal Financial Corporation (CCB) Q1 Earnings and Revenues Lag Estimates Coastal Financial Corporation (CCB) came out with quarterly earnings of $0.63 per share, missing the Zacks Consensus Estimate of $0.93 per share. This compares to earnings of $0.67 per share a year ago. zacks.com - 2 weeks ago
Coastal Financial Corporation Announces First Quarter 2025 Results EVERETT, Wash., April 29, 2025 (GLOBE NEWSWIRE) -- Coastal Financial Corporation (Nasdaq: CCB) (the “Company”, "Coastal", "we", "our", or "us"), the holding company for Coastal Community Bank (the “Bank”), through which it operates a community-focused bank segment ("community bank") with an industry leading banking as a service ("BaaS") segment ("CCBX"), today reported unaudited financial results for the quarter ended March 31, 2025, including net income of $9.7 million, or $0.63 per diluted common share, compared to $13.4 million, or $0.94 per diluted common share, for the three months ended December 31, 2024 and $6.8 million, or $0.50 per diluted common share, for the three months ended March 31, 2024. globenewswire.com - 2 weeks ago
MILLER PROJECT: CANADA CARBON CONCERNED ABOUT CPTAQ DECISION ON THE DEVELOPMENT OF CRITICAL AND STRATEGIC MINERALS IN QUEBEC Montreal, Quebec, Canada, April 11, 2025 (GLOBE NEWSWIRE) -- Canada Carbon Inc. (TSX-V: CCB) (“CCB” or “the Company”) takes note of the Commission de protection du territoire agricole du Québec (“CPTAQ” or “the Commission”) decision regarding the Miller graphite project (the “Miller Project”) near Grenville-sur-la-Rouge, but is concerned about the impact of this decision on the development of projects related to critical and strategic minerals, and the precedent it sets for the Quebec mining industry. globenewswire.com - 1 month ago
New Strong Sell Stocks for April 2nd AIRS, CCB and CARS have been added to the Zacks Rank #5 (Strong Sell) List on April 2, 2025. zacks.com - 1 month ago
Dave and Coastal Community Bank Announce Strategic Partnership Los Angeles, CA, March 03, 2025 (GLOBE NEWSWIRE) -- Dave Inc. (“Dave” or the “Company”) (Nasdaq: DAVE), one of the nation's leading neobanks and Coastal Financial Corporation (Nasdaq: CCB), the holding company for Coastal Community Bank, today announced a definitive strategic partnership. Coastal Community Bank will become a sponsor bank of Dave, including for Dave's banking products and Dave's new, simplified ExtraCash product. globenewswire.com - 2 months ago
Is the Options Market Predicting a Spike in Coastal Financial (CCB) Stock? Investors need to pay close attention to Coastal Financial (CCB) stock based on the movements in the options market lately. zacks.com - 3 months ago
New Strong Sell Stocks for February 4th CCB, CCOZY and CNI have been added to the Zacks Rank #5 (Strong Sell) List on February 4, 2025. zacks.com - 3 months ago
Coastal Financial Corporation (CCB) Q4 Earnings and Revenues Miss Estimates Coastal Financial Corporation (CCB) came out with quarterly earnings of $0.94 per share, missing the Zacks Consensus Estimate of $1.03 per share. This compares to earnings of $0.66 per share a year ago. zacks.com - 3 months ago
Coastal Financial Corporation Announces Fourth Quarter 2024 Results EVERETT, Wash., Jan. 28, 2025 (GLOBE NEWSWIRE) -- Coastal Financial Corporation (Nasdaq: CCB) (the “Company”, "Coastal", "we", "our", or "us"), the holding company for Coastal Community Bank (the “Bank”), through which it operates a community-focused bank with an industry leading banking as a service ("BaaS") segment, today reported unaudited financial results for the quarter ended December 31, 2024, including net income of $13.4 million, or $0.94 per diluted common share, compared to $13.5 million, or $0.97 per diluted common share, for the three months ended September 30, 2024 and $45.2 million, or $3.26 per diluted common share, for the year ended December 31, 2024, compared to $44.6 million, or $3.27 per diluted common share for the year ended December 31, 2023. globenewswire.com - 3 months ago
Coastal Financial Corporation Prices Public Offering of Common Stock EVERETT, Wash., Dec. 10, 2024 (GLOBE NEWSWIRE) -- Coastal Financial Corporation (NASDAQ: CCB) (“Coastal” or the “Company”), the holding company for Coastal Community Bank (the “Bank”), today announced the pricing of an underwritten public offering of 1,200,000 shares of its common stock, no par value per share (the "Common Stock"), at a price to the public of $71.00 per share. Coastal also granted the underwriters a 30-day option to purchase up to an additional 180,000 shares of its Common Stock sold in this offering at the public offering price, less underwriting discounts and commissions. globenewswire.com - 5 months ago
Coastal Financial Corporation Announces Proposed Public Offering of Common Stock EVERETT, Wash., Dec. 10, 2024 (GLOBE NEWSWIRE) -- Coastal Financial Corporation (NASDAQ: CCB) (“Coastal” or the “Company”), the holding company for Coastal Community Bank (the “Bank”), today announced the launch of a proposed underwritten public offering of shares of its common stock, no par value. Coastal expects to grant the underwriters a 30-day option to purchase up to an additional 15% of the number of shares of its Common Stock sold in this offering at the public offering price, less underwriting discounts and commissions. globenewswire.com - 5 months ago
5 Low-Leverage Stocks to Buy After Unfavorable Consumer Price Data The majority of U.S. stock indices ended in the red on Nov. 28, following an unfavorable inflation data release, reflecting an uptick in the nation's monthly consumer price. zacks.com - 5 months ago
8. Profile Summary

Coastal Financial Corporation CCB

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 1.2 B
Dividend Yield 0.00%
Description Coastal Financial Corporation operates as the bank holding company for Coastal Community Bank that provides various banking products and services to small to 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, including term loans, small business administration loans, commercial lines of credit, working capital loans, equipment financing, borrowing base loans, and other loan products; owner-occupied and non-owner-occupied real estate loans, and multi-family residential loans; construction 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 overdraft protection. It also provides remote deposit capture, online and mobile banking, and direct and reciprocal deposit services, as well as debit cards. In addition, 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 clients banking services. It operates 14 full-service banking locations. Coastal Financial Corporation was founded in 1997 and is headquartered in Everett, Washington.
Contact 5415 Evergreen Way, Everett, WA, 98203-3646 https://www.coastalbank.com
IPO Date July 19, 2018
Employees 488
Officers Mr. Andrew G. Stines Executive Vice President & Chief Risk Officer Mr. Jonathan E. Sand Executive Vice President & Chief Credit Officer Mr. Brian L. Ferrell Executive Vice President & Head of Financial Crimes Compliance Ms. Erika Heer Executive Vice President & Chief Human Resources Officer Mr. Russell A. Keithley Executive Vice President & Chief Banking Officer Mr. Michael E. Culp Executive Vice President & Chief Revenue Officer Mr. Eric M. Sprink Chief Executive Officer & Director Mr. Joel G. Edwards Executive Vice President, Chief Financial Officer & Corporate Secretary Mr. Brian T. Hamilton President of CCBX Division & Director Mr. Curt T. Queyrouze President