8-K Announcements
6Material company update
May 29, 2026·SEC
Material company update
Apr 29, 2026·SEC
Material company update
Apr 29, 2026·SEC
Coastal Financial Corporation(CCB)Earnings, Financials & Key Ratios
CCB•NASDAQ•Banking & Credit
$77.25
25.4× P/E·Price updated Jun 27, 2026
AboutCoastal 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.Show more
- Net Interest Income$310M+13.7%
- Total Revenue$661M+14.7%
- Net Income$47M+3.9%
- Return on Equity10.11%-18.0%
- Net Interest Margin6.54%-1.1%
- Efficiency Ratio43.52%+112.8%
- ROA1.06%-7.7%
- Equity / Assets10.35%-2.7%
- Book Value per Share31.78+0.5%
CCB Price & Volume
Coastal Financial Corporation (CCB) stock price & volume — 10-year historical chart
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Aggressive Fintech Scaling Pressures Capital Adequacy Ratios
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Expanding
Profitability:Strained
Financial:Vulnerable
Cash Flow:Mixed
Primary Risk:Regulatory BaaS Oversight Exposure
Key Thesis Takeaways
- Coastal Financial Corporation is navigating a rapid expansion of its CCBX division, which has driven total assets to $5.7 billion as of 2026Q1, though this growth is increasingly straining the bank's capital base.
- While net interest income has climbed to $83.4 million, the reliance on fintech-driven fee income—now 37.2% of total revenue—introduces significant regulatory and operational volatility.
- Investors should monitor the compression of the equity-to-assets ratio to 0.09 and the rising efficiency ratio of 46.9%, which suggest that the bank's current growth trajectory may be outpacing its internal capital generation capabilities.
Verdict Logic
while the bank has achieved consistent top-line growth, the combination of a 46.9% efficiency ratio and a compressed 0.09 equity-to-assets ratio warrants caution regarding long-term capital sustainability.
CCB Growth Metrics
Coastal Financial Corporation (CCB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years40.68%
5 Years56.28%
3 Years41.73%
TTM-
Profit CAGR
10 Years34.94%
5 Years25.41%
3 Years4.97%
TTM2.35%
EPS CAGR
10 Years28.38%
5 Years19.64%
3 Years0.33%
TTM-5.62%
Return on Capital
10 Years10.96%
5 Years13.07%
3 Years10.93%
Last Year2.34%
CCB Recent Earnings
Coastal Financial Corporation (CCB) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 3/12 qtrs (30%)●Beat Revenue 2/12 qtrs (20%)
Q2 2026Latest
Apr 29, 2026Metric
Actual
Est
EPS
$0.78-23.5%
$1.02
Rev
$149M+7.8%
$139M
Q1 2026
Jan 29, 2026Metric
Actual
Est
EPS
$0.82-29.3%
$1.16
Rev
$138M-1.9%
$141M
Q4 2025
Oct 29, 2025Metric
Actual
Est
EPS
$0.88+0.8%
$0.87
Rev
$141M+2.0%
$138M
Q3 2025
Jul 29, 2025Metric
Actual
Est
EPS
$0.71-15.5%
$0.84
Rev
$115M-27.1%
$158M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 29, 2026 | $0.78vs $1.02-23.5% | $149Mvs $139M+7.8% |
| Q1 2026 | Jan 29, 2026 | $0.82vs $1.16-29.3% | $138Mvs $141M-1.9% |
| Q4 2025 | Oct 29, 2025 | $0.88vs $0.87+0.8% | $141Mvs $138M+2.0% |
| Q3 2025 | Jul 29, 2025 | $0.71vs $0.84-15.5% | $115Mvs $158M-27.1% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Coastal Financial Corporation (CCB)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $77.25 | $1.18B | 25.41 | 14.67% | 7.11% | 10.11% | — | |
| $29.52 | $1B | 15.06 | 5.92% | 20.5% | 7.58% | — | |
| $32.15 | $7.65B | 13.98 | 8.35% | 19.56% | 9.16% | — | |
| $37.95 | $2.8B | 14.43 | -1.58% | 18.26% | 8.36% | — | |
| $15.14 | $2.22B | 16.46 | 16.3% | 14.75% | 7.3% | — | |
| $81.01 | $2.73B | 13.07 | 3.94% | 15.84% | 11.25% | — |
Compare CCB vs Peers
Coastal Financial Corporation (CCB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CCB SEC Filings & Documents
Coastal Financial Corporation (CCB) SEC filings — annual & quarterly reports (10-K, 10-Q)
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CCB Frequently Asked Questions
Coastal Financial Corporation (CCB) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Coastal Financial Corporation growing?
Coastal Financial Corporation (CCB) grew revenue by 14.7% over the past year. This is steady growth.
Is CCB profitable?
Yes, Coastal Financial Corporation (CCB) is profitable, generating $49.3M in net income for fiscal year 2025 (7.1% net margin).
Dividend & Returns
What is CCB's return on equity?
Coastal Financial Corporation (CCB) has a return on equity (ROE) of 10.1%. This is reasonable for most industries.
Industry Metrics
What is Coastal Financial Corporation's net interest margin?
Coastal Financial Corporation (CCB) has a net interest margin (NIM) of 6.5%. This indicates healthy earnings from lending activities.
What is Coastal Financial Corporation's efficiency ratio?
Coastal Financial Corporation (CCB) has an efficiency ratio of 43.5%. This is excellent, indicating strong cost control.