📊 CCB Key Takeaways
Is Coastal Financial Corp. (CCB) a Good Investment?
Coastal Financial demonstrates solid operational performance with strong revenue growth of 38.6% YoY and healthy free cash flow generation at 57.3% FCF margin. However, net income growth stalled at 0% YoY and diluted EPS declined 6.1%, indicating profitability challenges that offset topline momentum. The concerning 0.7x interest coverage ratio and modest ROA of 1.0% suggest limited earnings quality for a bank of this asset size.
Coastal Financial shows strong top-line momentum, with revenue up 38.6% year over year, and it remains solidly profitable with positive operating income, a 10.9% net margin, and ROA of 1.0%. However, earnings quality looks mixed because net income was flat, diluted EPS declined, and interest coverage is weak, suggesting that revenue growth is not yet translating into stronger per-share profitability. The balance sheet appears adequately capitalized with nearly $491 million in equity and substantial cash, but margin durability and earnings conversion need to improve for a more bullish view.
Why Buy Coastal Financial Corp. Stock? CCB Key Strengths
- Exceptional revenue growth of 38.6% YoY demonstrates strong market demand and loan/deposit expansion
- Robust free cash flow of $246.1M with 57.3% FCF margin provides significant capital deployment flexibility
- Strong liquidity position with $737M cash equivalents representing 15.7% of total assets
- Zero leverage (0.00x Debt/Equity) indicates conservative capital structure with minimal default risk
- Strong revenue growth of 38.6% year over year
- Solid profitability with $46.99M net income and positive 9.6% ROE
- Strong reported cash generation with $246.15M in free cash flow and $736.97M in cash
CCB Stock Risks: Coastal Financial Corp. Investment Risks
- Net income growth flatlined at 0% YoY despite 38.6% revenue growth signals operational margin compression and cost control issues
- Dangerously low interest coverage ratio of 0.7x indicates insufficient earnings to cover interest obligations, critical concern for a bank
- Diluted EPS declined 6.1% YoY despite revenue expansion, suggesting share dilution or profitability deterioration at per-share level
- ROA of only 1.0% is significantly below banking peer averages, indicating poor asset productivity
- Net income was flat despite strong revenue growth, indicating margin pressure or higher costs
- Diluted EPS fell 6.1% year over year, weakening per-share earnings momentum
- Interest coverage of 0.7x is weak and may indicate pressure from funding costs or earnings volatility
Key Metrics to Watch
- Net interest margin (NIM) trend and deposit cost dynamics to assess if margin compression is reversing
- Net income growth trajectory in next quarters to determine if profitability inflection occurs
- Interest coverage ratio improvement as critical metric given current distressed level below 1.0x
- Return on Assets improvement path toward industry benchmarks of 1.2-1.5% for healthy regional banks
- Net interest margin and operating margin trend
- EPS growth relative to revenue growth
Coastal Financial Corp. (CCB) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 57.3% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
CCB Profit Margin, ROE & Profitability Analysis
CCB vs Finance Sector: How Coastal Financial Corp. Compares
How Coastal Financial Corp. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Coastal Financial Corp. Stock Overvalued? CCB Valuation Analysis 2026
Based on fundamental analysis, Coastal Financial Corp. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Coastal Financial Corp. Balance Sheet: CCB Debt, Cash & Liquidity
CCB Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Coastal Financial Corp.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $3.27 reflects profitable operations.
CCB Revenue Growth, EPS Growth & YoY Performance
Coastal Financial Corp. Dividends, Buybacks & Capital Allocation
CCB SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Coastal Financial Corp. (CIK: 0001437958)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| Apr 13, 2026 | DEF 14A | ck1437958-20260410.htm | View → |
| Apr 2, 2026 | 4 | xslF345X06/wk-form4_1775146593.xml | View → |
| Mar 31, 2026 | 4 | xslF345X06/wk-form4_1775005653.xml | View → |
| Mar 13, 2026 | 4 | xslF345X05/wk-form4_1773438109.xml | View → |
| Mar 13, 2026 | 4 | xslF345X05/wk-form4_1773438062.xml | View → |
❓ Frequently Asked Questions about CCB
What is the AI rating for CCB?
Coastal Financial Corp. (CCB) has a Combined AI Rating of HOLD from Claude (HOLD) and ChatGPT (HOLD) with 70% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are CCB's key strengths?
Claude: Exceptional revenue growth of 38.6% YoY demonstrates strong market demand and loan/deposit expansion. Robust free cash flow of $246.1M with 57.3% FCF margin provides significant capital deployment flexibility. ChatGPT: Strong revenue growth of 38.6% year over year. Solid profitability with $46.99M net income and positive 9.6% ROE.
What are the risks of investing in CCB?
Claude: Net income growth flatlined at 0% YoY despite 38.6% revenue growth signals operational margin compression and cost control issues. Dangerously low interest coverage ratio of 0.7x indicates insufficient earnings to cover interest obligations, critical concern for a bank. ChatGPT: Net income was flat despite strong revenue growth, indicating margin pressure or higher costs. Diluted EPS fell 6.1% year over year, weakening per-share earnings momentum.
What is CCB's revenue and growth?
Coastal Financial Corp. reported revenue of $429.6M.
Does CCB pay dividends?
Coastal Financial Corp. does not currently pay dividends.
Where can I find CCB SEC filings?
Official SEC filings for Coastal Financial Corp. (CIK: 0001437958) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CCB's EPS?
Coastal Financial Corp. has a diluted EPS of $3.06.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is CCB a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Coastal Financial Corp. has a HOLD rating with 70% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is CCB stock overvalued or undervalued?
Valuation metrics for CCB: ROE of 9.6% (sector avg: 12%), net margin of 10.9% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy CCB stock in 2026?
Our dual AI analysis gives Coastal Financial Corp. a combined HOLD rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is CCB's free cash flow?
Coastal Financial Corp.'s operating cash flow is $254.6M, with capital expenditures of $8.4M. FCF margin is 57.3%.
How does CCB compare to other Finance stocks?
Vs Finance sector averages: Net margin 10.9% (avg: 25%), ROE 9.6% (avg: 12%), current ratio N/A (avg: 1.2).