CCB
Neutral signalScored 2026-09-06 Drivers: fundamentals. Moteurs : fondamentaux.
Research, not advice.
À propos
Coastal Financial Corporation
- Nom
- Coastal Financial Corporation
- Secteur
- Financial Services
- Industrie
- Banks - Regional
- Bourse
- NASDAQ
- Capitalisation
- $691.2M
- Employés
- 483
- PDG
- Eric Sprink
- Site web
- https://www.coastalbank.com
- Marché
- BHBBMRCBSVNCBFVCOSOFRAF
Coastal Financial Corporation functions as the parent company for Coastal Community Bank, providing a comprehensive suite of banking products and services. Its clientele includes small and medium-sized businesses, professionals, and individuals across the Puget Sound region of Washington. The bank offers various deposit options, such as checking and savings accounts, certificates of deposit, and money market accounts. Lending activities cover commercial and industrial needs, including term loans, Small Business Administration (SBA) loans, commercial lines of credit, and financing for working capital and equipment. Real estate lending encompasses owner-occupied and investment properties, multi-family residences, and construction and land development projects, alongside standard residential mortgages. Consumer loan products range from automobile, boat, and recreational vehicle financing to secured term loans and overdraft protection. Digital banking services include remote deposit capture, online and mobile access, and direct and reciprocal deposit services, complemented by debit cards. Furthermore, the company delivers specialized business accounts and cash management solutions, such as business checking and savings accounts and treasury services. A distinctive offering is its Banking as a Service (BaaS) platform, enabling broker-dealers and digital financial providers to extend banking capabilities to their own customers. Operating with 14 full-service banking locations, Coastal Financial Corporation was established in 1997 and is headquartered in Everett, Washington.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
ACHAT TOTAL: 10 290 titres (~457 593,50 $ US)
- Insiders
- Sprink Eric MAdams Christopher D
- Total bought
-
$457,594
Avg buy (VWAP, 90d window) $44.47 vs last close —
- Total sold
-
—
Avg sell (VWAP, 90d window) —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-08-07
- Last synced
-
2026-08-13 10:04:48
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-08-07 | Adams Christopher D | Buy · P | 290 | $45.15 | $13,094 | Form 4 |
| 2026-08-06 | Sprink Eric M | Buy · P | 10,000 | $44.45 | $444,500 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Neutral signalScored 2026-09-06 Drivers: fundamentals. Moteurs : fondamentaux.
CCB presents a deeply concerning profile: despite an artificially inflated liquidity score (driven by anomalous balance sheet ratios), the fundamentally weak interest coverage (0.51) and extreme DSO (~1986 days) signal…
The first sentence of the analysis written for CCB on 2026-09-06 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Supports a bullish reading. Open-market purchases outweigh sales
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Supports a bullish reading. Current ratio 728.91 · operating margin 9.3%
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 52.8% | 30.4% | 37.4% | 57.2% | 87.1% | |
| Ebit Margin | 9.3% | 9.9% | 13.0% | 21.8% | 32.6% | |
| Ebitda Margin | 10.2% | 10.7% | 13.5% | 22.6% | 34.1% | |
| Operating Profit Margin | 9.3% | 9.9% | 13.0% | 21.8% | 32.6% | |
| Pretax Profit Margin | 9.3% | 9.9% | 13.0% | 21.8% | 32.6% | |
| Continuous Operations Profit Margin | 7.1% | 7.8% | 10.1% | 17.5% | 25.6% | |
| Net Profit Margin | 7.1% | 7.8% | 10.1% | 17.5% | 25.6% | |
| Bottom Line Profit Margin | 7.1% | 7.8% | 10.1% | 17.5% | 25.6% | |
| Current Ratio | 728.909 | 0.135 | 0.181 | 0.165 | 0.363 | |
| Quick Ratio | 728.909 | 0.135 | 0.181 | 0.165 | 0.363 | |
| Solvency Ratio | 0.013 | 0.014 | 0.014 | 0.015 | 0.012 | |
| Cash Ratio | 6.870 | 0.125 | 0.142 | 0.121 | 0.344 | |
| Price To Earnings Ratio | 36.728 | 25.346 | 13.217 | 15.134 | 22.498 | |
| Price To Earnings Growth Ratio | -5.349 | -85.163 | 1.886 | 0.383 | 0.292 | |
| Forward Price To Earnings Growth Ratio | -5.349 | -85.163 | 1.886 | 0.383 | 0.292 | |
| Price To Earnings Diluted Ratio | 37.694 | 26.126 | 13.581 | 15.787 | 23.435 | |
| Price To Earnings Diluted Growth Ratio | -5.834 | -42.716 | 1.572 | 0.401 | 0.316 | |
| Price To Book Ratio | 3.526 | 2.614 | 1.997 | 2.527 | 3.025 | |
| Price To Sales Ratio | 2.618 | 1.989 | 1.337 | 2.649 | 5.771 | |
| Price To Free Cash Flow Ratio | 7.034 | 4.590 | 3.179 | 9.576 | 22.331 | |
| Price To Operating Cash Flow Ratio | 6.801 | 4.415 | 3.075 | 9.171 | 20.391 | |
| Debt To Assets Ratio | 0.012 | 0.013 | 0.014 | 0.017 | 0.022 | |
| Debt To Equity Ratio | 0.118 | 0.121 | 0.183 | 0.217 | 0.294 | |
| Debt To Capital Ratio | 0.106 | 0.108 | 0.154 | 0.178 | 0.227 | |
| Long Term Debt To Capital Ratio | 0.097 | 0.098 | 0.139 | 0.163 | 0.208 | |
| Financial Leverage Ratio | 9.658 | 9.394 | 12.713 | 12.914 | 13.098 | |
| Working Capital Turnover Ratio | 2.644 | -0.195 | -0.171 | -0.120 | -0.073 | |
| Operating Cash Flow Ratio | 51.080 | 0.072 | 0.056 | 0.024 | 0.013 | |
| Operating Cash Flow Sales Ratio | 0.385 | 0.451 | 0.435 | 0.289 | 0.283 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.967 | 0.962 | 0.967 | 0.958 | 0.913 | |
| Debt Service Coverage Ratio | 0.448 | 0.402 | 0.512 | 2.081 | 7.842 | |
| Interest Coverage Ratio | 0.512 | 0.463 | 0.623 | 2.482 | 9.429 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 4.389 | 4.876 | 3.556 | 1.270 | 0.504 | |
| Capital Expenditure Coverage Ratio | 30.178 | 26.241 | 30.671 | 23.643 | 11.511 | |
| Dividend Paid And Capex Coverage Ratio | 30.178 | 26.241 | 30.671 | 23.643 | 11.511 | |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Enterprise Value Multiple | 25.902 | 12.084 | 2.686 | 6.218 | -4.042 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 52.8% | ▲22.4% | ▼-0.2% |
| Ebit Margin | 9.3% | ▼-0.7% | ▼-8.1% |
| Ebitda Margin | 10.2% | ▼-0.5% | ▼-8.0% |
| Operating Profit Margin | 9.3% | ▼-0.7% | ▼-8.1% |
| Pretax Profit Margin | 9.3% | ▼-0.7% | ▼-8.1% |
| Continuous Operations Profit Margin | 7.1% | ▼-0.7% | ▼-6.5% |
| Net Profit Margin | 7.1% | ▼-0.7% | ▼-6.5% |
| Bottom Line Profit Margin | 7.1% | ▼-0.7% | ▼-6.5% |
| Current Ratio | 728.909 | ▲728.774 | ▲582.959 |
| Quick Ratio | 728.909 | ▲728.774 | ▲582.959 |
| Solvency Ratio | 0.013 | ▼-0.001 | ▼-0.001 |
| Cash Ratio | 6.870 | ▲6.745 | ▲5.350 |
| Price To Earnings Ratio | 36.728 | ▲11.381 | ▲14.143 |
| Price To Earnings Growth Ratio | -5.349 | ▲79.814 | ▲12.241 |
| Forward Price To Earnings Growth Ratio | -5.349 | ▲79.814 | ▲12.241 |
| Price To Earnings Diluted Ratio | 37.694 | ▲11.568 | ▲14.369 |
| Price To Earnings Diluted Growth Ratio | -5.834 | ▲36.883 | ▲3.418 |
| Price To Book Ratio | 3.526 | ▲0.912 | ▲0.789 |
| Price To Sales Ratio | 2.618 | ▲0.629 | ▼-0.255 |
| Price To Free Cash Flow Ratio | 7.034 | ▲2.444 | ▼-2.308 |
| Price To Operating Cash Flow Ratio | 6.801 | ▲2.386 | ▼-1.970 |
| Debt To Assets Ratio | 0.012 | ▼-0.001 | ▼-0.004 |
| Debt To Equity Ratio | 0.118 | ▼-0.003 | ▼-0.069 |
| Debt To Capital Ratio | 0.106 | ▼-0.003 | ▼-0.049 |
| Long Term Debt To Capital Ratio | 0.098 | ▼-0.001 | ▼-0.044 |
| Financial Leverage Ratio | 9.658 | ▲0.263 | ▼-1.898 |
| Working Capital Turnover Ratio | 2.644 | ▲2.839 | ▲2.227 |
| Operating Cash Flow Ratio | 51.080 | ▲51.008 | ▲40.831 |
| Operating Cash Flow Sales Ratio | 0.385 | ▼-0.066 | ▲0.017 |
| Free Cash Flow Operating Cash Flow Ratio | 0.967 | ▲0.005 | ▲0.013 |
| Debt Service Coverage Ratio | 0.448 | ▲0.045 | ▼-1.809 |
| Interest Coverage Ratio | 0.512 | ▲0.049 | ▼-2.190 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Operating Cash Flow Coverage Ratio | 4.389 | ▼-0.487 | ▲1.470 |
| Capital Expenditure Coverage Ratio | 30.178 | ▲3.937 | ▲5.730 |
| Dividend Paid And Capex Coverage Ratio | 30.178 | ▲3.937 | ▲5.730 |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 |
| Enterprise Value Multiple | 25.902 | ▲13.817 | ▲17.332 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $1.73B | $1.15B | $589.0M | $615.3M | $608.6M | |
| Enterprise value | $1.76B | $747.6M | $159.7M | $326.0M | -$145.4M | |
| EV / Sales | 2.65x | 1.30x | 0.36x | 1.40x | -1.38x | |
| EV / Op. cash flow | 6.89x | 2.88x | 0.83x | 4.86x | -4.87x | |
| EV / Free cash flow | 7.13x | 2.99x | 0.86x | 5.07x | -5.33x | |
| EV / EBITDA | 25.90x | 12.08x | 2.69x | 6.22x | -4.04x | |
| Net debt / EBITDA | 0.35x | -6.45x | -7.22x | -5.52x | -20.96x | |
| Current ratio | 728.91x | 0.14x | 0.18x | 0.17x | 0.36x | |
| Income quality | 5.42x | 5.75x | 4.30x | 1.65x | 1.10x | |
| Graham number | $48 | $49 | $41 | $36 | $29 | |
| Graham net-net | -$100 | -$237 | -$215 | -$188 | -$131 | |
| Tax burden | 76.7% | 78.9% | 78.0% | 80.3% | 78.6% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | $3.63B | -$3.13B | -$2.78B | -$2.37B | -$1.51B | |
| Invested capital | $3.67B | -$3.10B | -$2.75B | -$2.35B | -$1.48B | |
| Return on assets | 1.0% | 1.1% | 1.2% | 1.3% | 1.0% | |
| Operating ROA | 1.4% | 1.5% | 1.7% | 1.8% | 1.6% | |
| Return on tangible assets | 1.0% | 1.1% | 1.2% | 1.3% | 1.0% | |
| Return on equity | 9.6% | 10.3% | 15.1% | 16.7% | 13.4% | |
| Return on invested capital | 1.3% | 8.9% | 12.4% | 13.3% | 10.0% | |
| Return on capital employed | 1.3% | 11.3% | 15.9% | 16.6% | 12.8% | |
| Earnings yield | 2.7% | 3.9% | 7.6% | 6.6% | 4.4% | |
| Free cash flow yield | 14.2% | 21.8% | 31.5% | 10.4% | 4.5% | |
| Capex / Op. cash flow | 3.3% | 3.8% | 3.3% | 4.2% | 8.7% | |
| Capex / Depreciation | 129.5% | 217.5% | 268.3% | 156.9% | 163.4% | |
| Capex / Sales | 1.3% | 1.7% | 1.4% | 1.2% | 2.5% | |
| SG&A / Sales | 14.0% | 13.1% | 16.4% | 24.8% | 38.9% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 1.3% | 0.8% | 0.8% | 1.1% | 1.2% | |
| Intangibles / Total assets | 0.1% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Days sales outstanding | 1986d | 22d | 27d | 44d | 32d | |
| Days payables outstanding | 0d | 27d | 41d | 77d | 59d | |
| Operating cycle | 1986d | 22d | 27d | 44d | 32d | |
| Cash conversion cycle | 1986d | -5d | -14d | -33d | -27d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-08-12 Kaplan Fox Alerts Coastal Financial Corporation (CCB) Investors to an Investigation of Potential Securities Law Violations New York, New York--(Newsfile Corp. - August 12, 2026) - Kaplan Fox & Kilsheimer LLP is investigating potential securities violations against Coastal Financial Corporation ("Coastal" or the "Company") (NASDAQ: CCB). CLICK HERE TO RECEIVE MORE INFORMATION ABOUT THIS INVESTIGATION If you are a Coastal investor and have suffered losses, or if you have information that could assist in the Coastal investigation, you may CLICK HERE to contact us.
- 2026-08-12 Securities Fraud Investigation Into Coastal Financial Corporation (CCB) Continues – Shareholders Who Lost Money Urged To Contact The Law Offices of Frank R. Cruz LOS ANGELES, Aug. 12, 2026 (GLOBE NEWSWIRE) -- The Law Offices of Frank R. Cruz continues its investigation of Coastal Financial Corporation (“Coastal” or the “Company”) (NASDAQ: CCB) on behalf of investors concerning the Company''s possible violations of federal securities laws.
- 2026-08-12 CCB Securities Investigation: Coastal Financial Securities Fraud Investigation is Pending – Contact BFA Law if You Lost Money after the 43% Stock Drop NEW YORK, Aug. 12, 2026 (GLOBE NEWSWIRE) -- Leading securities law firm Bleichmar Fonti & Auld LLP announces an investigation into Coastal Financial Corp. (NASDAQ:CCB) for potential securities fraud after its significant stock drop. If you invested in Coastal Financial securities, you are encouraged to obtain additional information by visiting: https://www.bfalaw.com/cases/coastal-financial-class-action-lawsuit.
- 2026-08-11 INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Coastal Financial Corporation - CCB NEW YORK, Aug. 11, 2026 (GLOBE NEWSWIRE) -- Pomerantz LLP is investigating claims on behalf of investors of Coastal Financial Corporation (“Coastal Financial” or the “Company”) (NASDAQ: CCB). Such investors are advised to contact Danielle Peyton at [email protected] or 646-581-9980, ext. 7980.
- 2026-08-11 CCB Investor Announcement: Coastal Financial Investigated on behalf of Investors to Recover Losses after Banking Services Issues Lead to 43% Stock Drop BFA Law is investigating whether Coastal Financial Corporation committed securities fraud relating to statements concerning the financial performance and credit quality of its banking as a service segment, including the company''s CCBX partner relationships. NEW YORK, Aug. 11, 2026 /PRNewswire/ -- Leading securities law firm Bleichmar Fonti & Auld LLP announces an investigation into Coastal Financial Corp. (NASDAQ: CCB) for potential securities fraud after its significant stock drop.
- 2026-08-10 Kaplan Fox Announces a Securities Investigation into Coastal Financial Corporation (CCB) - Investors Encouraged to Contact the Firm New York, New York--(Newsfile Corp. - August 10, 2026) - Kaplan Fox & Kilsheimer LLP is investigating potential securities violations against Coastal Financial Corporation ("Coastal" or the "Company") (NASDAQ: CCB). CLICK HERE TO RECEIVE MORE INFORMATION ABOUT THIS INVESTIGATION If you are a Coastal investor and have suffered losses, or if you have information that could assist in the Coastal investigation, you may CLICK HERE to contact us.
- 2026-08-10 Coastal Financial (NASDAQ:CCB) Securities Fraud Investigation: Investors who Lost Money when Stock Plummeted 43% are Notified to Contact BFA Law NEW YORK, Aug. 10, 2026 (GLOBE NEWSWIRE) -- Leading securities law firm Bleichmar Fonti & Auld LLP announces an investigation into Coastal Financial Corp. (NASDAQ:CCB) for potential securities fraud after its significant stock drop. If you invested in Coastal Financial securities, you are encouraged to obtain additional information by visiting: https://www.bfalaw.com/cases/coastal-financial-class-action-lawsuit.
- 2026-08-07 Kaplan Fox Alerts Investors of Coastal Financial Corporation (CCB) to an Investigation of Potential Securities Law Violations New York, New York--(Newsfile Corp. - August 7, 2026) - Kaplan Fox & Kilsheimer LLP is investigating potential securities violations against Coastal Financial Corporation ("Coastal" or the "Company") (NASDAQ: CCB). CLICK HERE TO RECEIVE MORE INFORMATION ABOUT THIS INVESTIGATION If you are a Coastal investor and have suffered losses, or if you have information that could assist in the Coastal investigation, you may CLICK HERE to contact us.
- 2026-08-07 $CCB Investigation News: Coastal Financial Securities Fraud Investigation is Ongoing – Contact BFA Law if You Suffered Losses NEW YORK, Aug. 07, 2026 (GLOBE NEWSWIRE) -- Leading securities law firm Bleichmar Fonti & Auld LLP announces an investigation into Coastal Financial Corp. (NASDAQ:CCB) for potential securities fraud after its significant stock drop. If you invested in Coastal Financial securities, you are encouraged to obtain additional information by visiting: https://www.bfalaw.com/cases/coastal-financial-class-action-lawsuit.
- 2026-08-07 INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Coastal Financial Corporation - CCB INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Coastal Financial Corporation - CCB PR Newswire