Coastal Financial (CCB) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Coastal Financial

NasdaqGS•Financial Services•Banks - Regional

$49.47-0.86(-0.02%)Pre-market

Market Cap

$692.20M

P/S

1.0x

P/B

1.5x

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.

How this company scores

WeakMetricSide Score: 51/100

Grade capped at D — Interest coverage below 1× (-0.0x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (21/25); weakest: Growth (7/25).

Profitability8/25

Growth7/25

Balance Sheet & Red Flags15/25

Cash & Earnings Quality21/25

Strengths

Long cash runwayLow leverageCash-backed earningsConsistent free cash flow

Grade capped at D

Interest coverage below 1× (-0.0x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 22.9x5y range 10.0x – 36.9x

Currently above its 19-quarter median.

P/S · 1.0x5y range 0.9x – 5.4x

Currently below its 20-quarter median.

P/B · 1.5x5y range 1.5x – 3.7x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

Operating margins dropped 98.9% over recent quarters — a sharp decline suggesting serious cost or pricing challenges.

Revenue Decline

Watch

Revenue has softened, declining in 4 quarters. Watch for further erosion.

Price & Volume

Market Cap $692.20M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $727.37M
Q. Revenue: $207.26M
TTM EBITDA: $9.12M
TTM Op. Income: $-5.52M
Q. Op. Income: $-55.19M
TTM Net Income: $-3.85M
Q. Net Income: $-42.10M
EPS: $-2.76
Shares Out.: $15.24M

$727.37M in TTM revenue grew 7.1% YoY, reaching $207.26M last quarter. TTM EBITDA of $9.12M and TTM operating income of $-5.52M show growth is flowing through to the bottom line. However, net income is negative at $3.85M — growth is not yet reaching the bottom line. Across the last 8 quarters, TTM revenue has risen for 2 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 85.9%
EBITDA Margin: -23.5%
Op. Margin: -26.6%
Net Margin: -20.3%

Op. margin of -26.6% is down 36.2% YoY — costs are rising relative to revenue. Net margin at -20.3% and gross margin of 85.9% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has fallen for 2 consecutive quarters — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: N/A
P/S Ratio: 1.0x
P/B Ratio: 1.5x

P/S of 1.0x and P/B of 1.5x. P/S is low relative to typical market levels. Across the last 7 quarters, P/E has fallen for 2 consecutive quarters — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $5.46B
Cash: $1.01B
Long-Term Debt: $44.52M
Book Value: $463.45M
D/E Ratio: 0.1
Debt/EBITDA: N/A

With $5.46B in assets and $44.52M in long-term debt, D/E is 0.1and book value is $463.45M — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is down 0% — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $76.85M
TTM Free Cash Flow: $262.05M
FCF Margin: 36.0%
FCF / Net Income: -68.0

TTM FCF of $262.05M on $76.85M in operating cash flow. The FCF / Net Income ratio of -68.0x means the business consumes cash — it is not yet self-funding. Across the last 8 quarters, free cash flow has risen for 2 consecutive quarters — an improving trend.