Symbols / CCB Stock $82.27 -1.93% Coastal Financial Corporation

Financial Services • Banks - Regional • United States • NMS
CCB (Stock) Chart
O: — H: — L: — C: — V: —
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Eric M. Sprink
Exch · Country NMS · United States
Market Cap 1.25B
Enterprise Value 567.29M
Income 46.99M
Sales 349.04M
FCF (ttm) —
Book/sh 32.43
Cash/sh 48.46
Employees 483
Insider 10d —
IPO Jul 19, 2018
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E 26.89
Forward P/E 10.72
PEG —
P/S 3.59
P/B 2.54
P/C —
EV/EBITDA —
EV/Sales 1.62
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 3.06
EPS next Y 7.68
EPS Growth -12.40%
Revenue Growth 6.40%
EPS Gr Q/Q -5.40%
Rev Gr Q/Q —
Earnings (next) 2026-04-29
Earnings (prior) 2026-01-29
ROA 1.06%
ROE 10.11%
ROIC —
Gross Margin 0.00%
Oper. Margin 20.00%
Profit Margin 13.46%
Shs Outstand 15.23M
Shs Float 13.11M
Insider Own 15.39%
Instit Own 85.05%
Short Float 9.77%
Short Ratio 9.61
Short Interest 1.29M
52W High 120.05
vs 52W High -31.47%
52W Low 70.72
vs 52W Low 16.33%
Beta 0.87
Impl. Vol. 53.27%
Rel Volume 0.50
Avg Volume 173.99K
Volume 87.25K
Target (mean) $126.25
Tgt Median $122.50
Tgt Low $115.00
Tgt High $145.00
# Analysts 4
Recom Strong_buy
Prev Close $83.89
Price $82.27
Change -1.93%
About

Coastal Financial Corporation operates as the bank holding company for Coastal Community Bank that provides various banking products and services to consumers and small and medium-sized businesses 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 also 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 and 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 digital financial service partners to offer their customers banking services. The company was founded in 1997 and is headquartered in Everett, Washington.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$126.25
Mean price target
2. Current target
$82.27
Latest analyst target
3. DCF / Fair value
$45.90
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$82.27
Low
$115.00
High
$145.00
Mean
$126.25

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-02-02 main Keefe, Bruyette & Woods Outperform → Outperform $125
2025-12-05 main TD Cowen Buy → Buy $155
2025-09-25 init TD Cowen — → Buy $140
2025-07-11 main Keefe, Bruyette & Woods Outperform → Outperform $115
2025-04-30 main Keefe, Bruyette & Woods Outperform → Outperform $110
2025-04-30 main Raymond James Strong Buy → Strong Buy $100
2025-04-02 main Raymond James Strong Buy → Strong Buy $105
2025-03-18 reit Stephens & Co. Overweight → Overweight $100
2025-03-04 main Keefe, Bruyette & Woods Outperform → Outperform $114
2025-02-13 reit Stephens & Co. Overweight → Overweight $100
2025-01-29 reit Raymond James Strong Buy → Strong Buy $100
2024-12-12 main Keefe, Bruyette & Woods Outperform → Outperform $96
2024-12-04 main Keefe, Bruyette & Woods Outperform → Outperform $92
2024-10-29 main Keefe, Bruyette & Woods Outperform → Outperform $75
2024-10-29 main Raymond James Strong Buy → Strong Buy $73
2023-10-31 main Raymond James Strong Buy → Strong Buy $53
2023-05-02 main Stephens & Co. — → Overweight $53
2023-04-06 main Keefe, Bruyette & Woods — → Outperform $66
2022-01-13 init Raymond James — → Strong Buy $69
2021-07-08 init Stephens & Co. — → Overweight $36
News
RSS: Latest CCB news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-11 SPRINK ERIC M Chief Executive Officer — 4,860 $0.00 $0
2026-03-11 HAMILTON BRIAN T Officer and Director — 2,714 $0.00 $0
2026-03-11 SOTO BRANDON JOHN Chief Financial Officer — 673 $0.00 $0
2026-03-03 HAMILTON BRIAN T Officer and Director — 146 $72.37 $10,566
2026-02-06 HAMILTON BRIAN T Officer and Director — 48 $88.95 $4,270
2026-02-04 HAMILTON BRIAN T Officer and Director — 171 $89.67 $15,334
2026-01-26 EDWARDS JOEL GEORGE Chief Financial Officer — 1,300 $111.34 $144,742
2026-01-26 SPRINK ERIC M Chief Executive Officer — 10,791 $6.25 $93,863
2026-01-22 SPRINK ERIC M Chief Executive Officer — 12,402 $114.27 $1,424,144
2026-01-16 SPRINK ERIC M Chief Executive Officer — 7,356 $114.15 $841,250
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
404.57
-10.66%
452.86
+29.84%
348.78
+64.63%
211.85
Operating Revenue
404.57
-10.66%
452.86
+29.84%
348.78
+64.63%
211.85
Selling General And Administration
92.59
+22.81%
75.39
+4.51%
72.14
+25.42%
57.52
Selling And Marketing Expense
0.98
+101.44%
0.49
-51.20%
1.00
+38.80%
0.72
General And Administrative Expense
91.61
+22.30%
74.90
+5.29%
71.14
+25.25%
56.80
Salaries And Wages
88.43
+22.75%
72.04
+4.99%
68.61
+27.20%
53.94
Other Gand A
—
—
—
—
Reconciled Depreciation
6.51
+43.12%
4.55
+95.53%
2.33
+28.69%
1.81
Total Unusual Items
—
—
0.00
0.00
Total Unusual Items Excluding Goodwill
—
—
0.00
0.00
Special Income Charges
—
—
0.00
0.00
Net Income
46.99
+3.92%
45.22
+1.44%
44.58
+9.73%
40.62
Pretax Income
61.24
+6.85%
57.32
+0.32%
57.13
+12.86%
50.62
Net Interest Income
309.53
+13.55%
272.59
+17.91%
231.19
+34.86%
171.43
Interest Expense
119.55
-3.39%
123.75
+35.03%
91.64
+349.35%
20.39
Interest Income
429.09
+8.26%
396.34
+22.77%
322.83
+68.30%
191.82
Gain On Sale Of Security
-0.41
-1633.33%
0.03
-90.32%
0.28
+282.35%
-0.15
Gain On Sale Of Business
—
—
0.00
0.00
Tax Provision
14.25
+17.80%
12.10
-3.63%
12.55
+25.59%
10.00
Tax Rate For Calcs
0.00
+10.43%
0.00
-4.09%
0.00
+11.68%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
46.99
+3.92%
45.22
+1.44%
44.58
+9.73%
40.62
Net Income From Continuing Operation Net Minority Interest
46.99
+3.92%
45.22
+1.44%
44.58
+9.73%
40.62
Net Income From Continuing And Discontinued Operation
46.99
+3.92%
45.22
+1.44%
44.58
+9.73%
40.62
Net Income Continuous Operations
46.99
+3.92%
45.22
+1.44%
44.58
+9.73%
40.62
Normalized Income
46.99
+3.92%
45.22
+1.44%
44.58
+9.73%
40.62
Net Income Common Stockholders
46.99
+3.92%
45.22
+1.44%
44.58
+9.73%
40.62
Diluted EPS
3.04
-6.46%
3.25
-0.61%
3.27
+8.64%
3.01
Basic EPS
3.12
-6.74%
3.35
-0.36%
3.36
+7.01%
3.14
Basic Average Shares
15.05
+11.43%
13.51
+1.85%
13.26
+2.41%
12.95
Diluted Average Shares
15.45
+11.36%
13.88
+1.73%
13.64
+0.93%
13.51
Diluted NI Availto Com Stockholders
46.99
+3.92%
45.22
+1.44%
44.58
+9.73%
40.62
Insurance And Claims
3.18
+10.97%
2.86
+13.43%
2.52
-11.72%
2.86
Occupancy And Equipment
3.99
+1.42%
3.94
-5.66%
4.17
-1.11%
4.22
Other Non Interest Expense
33.86
+46.54%
23.11
+39.63%
16.55
+21.04%
13.67
Professional Expense And Contract Services Expense
20.25
+30.62%
15.51
+4.75%
14.80
+118.98%
6.76
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
4,741.44
+15.05%
4,121.21
+9.90%
3,750.01
+19.26%
3,144.47
Cash And Cash Equivalents
736.97
+62.86%
452.51
-6.34%
483.13
+41.21%
342.14
Cash Financial
34.24
-6.27%
36.53
+16.55%
31.34
-4.21%
32.72
Other Short Term Investments
0.03
-17.14%
0.04
-99.96%
99.50
+2.25%
97.32
Receivables
41.66
+18.21%
35.24
+8.28%
32.55
+15.28%
28.23
Accounts Receivable
41.66
+18.21%
35.24
+8.28%
32.55
+15.28%
28.23
Net PPE
34.15
+4.58%
32.65
+16.52%
28.02
+20.62%
23.23
Gross PPE
55.96
+13.42%
49.34
+22.82%
40.17
+16.49%
34.48
Accumulated Depreciation
-21.81
-30.70%
-16.69
-37.36%
-12.15
-7.95%
-11.25
Land And Improvements
3.60
+0.00%
3.60
+0.00%
3.60
+0.00%
3.60
Buildings And Improvements
11.91
+0.99%
11.80
+0.15%
11.78
+0.30%
11.74
Machinery Furniture Equipment
19.68
+9.57%
17.96
+121.35%
8.11
+91.19%
4.24
Construction In Progress
5.95
0.00
-100.00%
0.12
-13.04%
0.14
Other Properties
9.72
-11.16%
10.94
-5.01%
11.52
+7.56%
10.71
Leases
5.09
+1.13%
5.04
+0.00%
5.04
+24.43%
4.05
Goodwill And Other Intangible Assets
4.54
0.00
—
—
Investments And Advances
61.08
+5.10%
58.12
-63.81%
160.59
+47.46%
108.91
Total Liabilities Net Minority Interest
4,250.48
+15.42%
3,682.50
+6.58%
3,455.03
+19.10%
2,900.97
Payables And Accrued Expenses
28.93
-4.00%
30.13
-3.36%
31.18
+47.76%
21.10
Payables
28.93
-4.00%
30.13
-3.36%
31.18
+47.76%
21.10
Accounts Payable
28.93
-4.00%
30.13
-3.36%
31.18
+47.76%
21.10
Employee Benefits
0.27
-19.58%
0.33
-30.69%
0.48
-22.24%
0.62
Long Term Debt And Capital Lease Obligation
53.02
-0.49%
53.28
-1.07%
53.86
+1.96%
52.82
Long Term Debt
48.04
+0.32%
47.88
+0.31%
47.73
+0.31%
47.59
Long Term Capital Lease Obligation
4.98
-7.67%
5.40
-11.85%
6.12
+17.00%
5.23
Non Current Deferred Liabilities
0.85
—
—
—
Non Current Deferred Taxes Liabilities
0.85
—
—
—
Stockholders Equity
490.96
+11.91%
438.70
+48.72%
294.98
+21.14%
243.49
Common Stock Equity
490.96
+11.91%
438.70
+48.72%
294.98
+21.14%
243.49
Capital Stock
233.44
+2.31%
228.18
+75.34%
130.14
+3.42%
125.83
Common Stock
233.44
+2.31%
228.18
+75.34%
130.14
+3.42%
125.83
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
15.14
+1.37%
14.94
+12.26%
13.30
+1.09%
13.16
Ordinary Shares Number
15.14
+1.37%
14.94
+12.26%
13.30
+1.09%
13.16
Retained Earnings
257.52
+22.32%
210.53
+27.35%
165.31
+37.76%
120.00
Gains Losses Not Affecting Retained Earnings
-0.00
+50.00%
-0.00
+99.57%
-0.47
+79.91%
-2.33
Other Equity Adjustments
-0.00
+50.00%
-0.00
+99.57%
-0.47
+79.91%
-2.33
Total Equity Gross Minority Interest
490.96
+11.91%
438.70
+48.72%
294.98
+21.14%
243.49
Total Capitalization
539.00
+10.77%
486.59
+41.98%
342.71
+17.74%
291.08
Invested Capital
539.00
+10.77%
486.59
+41.98%
342.71
+17.74%
291.08
Total Debt
53.02
-0.49%
53.28
-1.07%
53.86
+1.96%
52.82
Capital Lease Obligations
4.98
-7.67%
5.40
-11.85%
6.12
+17.00%
5.23
Net Tangible Assets
486.42
+10.88%
438.70
+48.72%
294.98
+21.14%
243.49
Tangible Book Value
486.42
+10.88%
438.70
+48.72%
294.98
+21.14%
243.49
Available For Sale Securities
12.84
+18.86%
10.80
+5.60%
10.23
-3.11%
10.55
Cash Cash Equivalents And Federal Funds Sold
736.97
+62.86%
452.51
-6.34%
483.13
+41.21%
342.14
Held To Maturity Securities
48.22
+1.97%
47.29
-7.03%
50.86
+4809.27%
1.04
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
254.58
-2.00%
259.79
+35.63%
191.54
+185.46%
67.10
Cash Flow From Continuing Operating Activities
254.58
-2.00%
259.79
+35.63%
191.54
+185.46%
67.10
Net Income From Continuing Operations
46.99
+3.92%
45.22
+1.44%
44.58
+9.73%
40.62
Depreciation Amortization Depletion
6.51
+43.12%
4.55
+95.53%
2.33
+28.69%
1.81
Depreciation And Amortization
6.51
+43.12%
4.55
+95.53%
2.33
+28.69%
1.81
Other Non Cash Items
—
—
—
-0.36
Stock Based Compensation
8.60
+77.60%
4.84
+31.34%
3.69
+46.52%
2.52
Deferred Tax
4.45
+3126.81%
0.14
-99.01%
13.88
+225.97%
-11.02
Deferred Income Tax
4.45
+3126.81%
0.14
-99.01%
13.88
+225.97%
-11.02
Operating Gains Losses
0.03
—
-0.21
-711.43%
0.04
Unrealized Gain Loss On Investment Securities
0.41
+1633.33%
-0.03
+90.32%
-0.28
-282.35%
0.15
Gain Loss On Sale Of PPE
0.03
0.00
-100.00%
0.04
+11.43%
0.04
Change In Working Capital
-5.06
+93.02%
-72.55
-28.62%
-56.41
-22.53%
-46.04
Change In Receivables
-10.05
-99.05%
-5.05
-480.27%
1.33
+114.51%
-9.15
Change In Payables And Accrued Expense
-1.68
-50.04%
-1.12
-111.34%
9.87
-46.87%
18.58
Change In Payable
-1.68
-50.04%
-1.12
-111.34%
9.87
-46.87%
18.58
Change In Other Working Capital
2.45
-6.67%
2.62
+120.95%
-12.53
-16.02%
-10.80
Change In Other Current Assets
5.13
+107.53%
-68.16
-25.71%
-54.22
-24.42%
-43.58
Change In Other Current Liabilities
-0.92
-7.90%
-0.85
+1.05%
-0.86
+21.09%
-1.09
Investing Cash Flow
-525.65
+13.62%
-608.57
-2.45%
-594.01
+39.87%
-987.95
Cash Flow From Continuing Investing Activities
-525.65
+13.62%
-608.57
-2.45%
-594.01
+39.87%
-987.95
Net PPE Purchase And Sale
-8.44
+14.79%
-9.90
-58.53%
-6.25
-120.05%
-2.84
Purchase Of PPE
-8.44
+14.79%
-9.90
-58.53%
-6.25
-120.05%
-2.84
Capital Expenditure
-8.44
+14.79%
-9.90
-58.53%
-6.25
-120.05%
-2.84
Net Investment Purchase And Sale
-1.49
-101.44%
103.50
+308.29%
-49.69
+25.69%
-66.87
Purchase Of Investment
-5.14
0.00
+100.00%
-50.24
+63.36%
-137.14
Sale Of Investment
4.21
-95.94%
103.57
+15221.45%
0.68
-99.04%
70.27
Net Business Purchase And Sale
—
—
0.00
0.00
Purchase Of Business
—
—
0.00
0.00
Gain Loss On Sale Of Business
—
—
0.00
0.00
Net Other Investing Changes
-2.39
-11845.00%
-0.02
+91.30%
-0.23
-333.96%
-0.05
Financing Cash Flow
555.52
+74.60%
318.17
-41.46%
543.46
+20.82%
449.83
Cash Flow From Continuing Financing Activities
555.52
+74.60%
318.17
-41.46%
543.46
+20.82%
449.83
Net Issuance Payments Of Debt
—
0.00
0.00
+100.00%
-5.37
Issuance Of Debt
—
0.00
0.00
-100.00%
19.62
Repayment Of Debt
—
0.00
0.00
+100.00%
-25.00
Long Term Debt Issuance
—
0.00
0.00
-100.00%
19.62
Long Term Debt Payments
—
0.00
0.00
+100.00%
-25.00
Net Long Term Debt Issuance
—
0.00
0.00
+100.00%
-5.37
Short Term Debt Payments
—
—
—
—
Net Short Term Debt Issuance
—
—
—
—
Net Common Stock Issuance
-3.45
-103.75%
91.80
0.00
0.00
Common Stock Payments
-3.53
0.00
0.00
—
Repurchase Of Capital Stock
-3.53
0.00
0.00
—
Proceeds From Stock Option Exercised
0.10
-92.55%
1.40
+125.89%
0.62
-57.90%
1.47
Changes In Cash
284.46
+1029.14%
-30.61
-121.71%
140.99
+129.93%
-471.02
Beginning Cash Position
452.51
-6.34%
483.13
+41.21%
342.14
-57.92%
813.16
End Cash Position
736.97
+62.86%
452.51
-6.34%
483.13
+41.21%
342.14
Free Cash Flow
246.15
-1.50%
249.89
+34.86%
185.29
+188.35%
64.26
Interest Paid Supplemental Data
119.08
-3.72%
123.68
+35.26%
91.44
+355.63%
20.07
Income Tax Paid Supplemental Data
9.47
-10.13%
10.54
+54.03%
6.84
-70.88%
23.50
Common Stock Issuance
0.08
-99.91%
91.80
0.00
0.00
Issuance Of Capital Stock
0.08
-99.91%
91.80
0.00
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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