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Coastal Financial Corporation (CCB) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Coastal Financial Corporation

CCBMarket cap $0.62BPrice $40.8

Country🇺🇸United States

SectorFinancials

IndustryBanks

Runs a community bank in Washington State while quietly powering dozens of fintech apps behind the scenes through its Banking-as-a-Service platform. It's the bank you've never heard of that makes your favorite banking app actually work.

In Bastion Portfolios?

52W Return-60%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+17%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+19%–

Rev CAGR (5y)+15%9

Earnings Forecast

EPS Growth Y+1-43%2

EPS Growth Y+2+235%10

EPS Growth Y+3+8%6

Quality

Margins

EBIT Margin0%2

Net Income Margin-1%2

Free Cash Flow Margin72%10

Debt

Net Debt/EBITDAna–

Efficiency

ROE-1%2

ROA-0%2

Earnings Stability55

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)89

P/E Ratio (Forward 3y)610

P/BV1.38

EV Multiples

EV/EBITDA Fwd09

EV/EBIT Fwd09

Yield

Free Cash Flow Yieldna–

Dividend Yieldna–

Momentum

Short term

1 month return-19%1

3 month return-48%1

YTD return-64%1

Mid term

Price vs 52wHigh34%1

1 year return-62%1

Long term

3 year return-2%3

5 year return+22%5

Risk Shield

Price Risk

Beta1.13

Volatility74%1

Free Cash Flow

Free Cash Flow Margin72%10

Free Cash Flow Yieldna–

Quality

ROCE-0%2

Earnings Stability55

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

CCBCoastal Financial

Revenue FY25$349M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+17%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+19%–

Revenue, next 5Y, CAGR+15%9

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-43%2

EPS growth, FY27E+235%10

EPS growth, FY28E+8%6

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 19%/yr over the next 3 years, ahead of most of the market.9/10

The runway holds up: revenue is set to grow 15%/yr over five years.9/10

WATCH

Revenue grew 17%/yr over the last 3 years and is set to keep growing around 19%/yr.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

The company is loss-making, so its revenue growth is not backed by profit yet.

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: the company is not profitable yet.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY WEAK4 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-19%1

3-month return-48%1

YTD return-64%1

MID & LONG-TERM▾SCORE

% of 52-week high34%1

1-year return-62%1

3-year return-2%3

5-year return+22%5

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Average long-term results. Multi-year returns are middling (-1.6% over three years and +22% over five), roughly average for the market.

WEAKNESSES

It's down 62% over the past year, now 66% below its 52-week high. That is lagging the market.

The stock is underperforming over the past month (-19%), over three months (-48%) and so far this year (-64%).

BOTTOM LINE

Falling Knife

Returns rank poorly over both the short and long run, and the price is still falling. Momentum is firmly negative — catching this is a bet against the tape, not with it. Wait for a base to form. The one thing to watch: the one-year trend is weak.

04Value

Are you paying a fair price for it?

Stop guessing on Coastal Financial Corporation. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

CCBCoastal Financial

Revenue FY25$349M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+17%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+19%–

Revenue, next 5Y, CAGR+15%9

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-43%2

EPS growth, FY27E+235%10

EPS growth, FY28E+8%6

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 19%/yr over the next 3 years, ahead of most of the market.9/10

The runway holds up: revenue is set to grow 15%/yr over five years.9/10

WATCH

Revenue grew 17%/yr over the last 3 years and is set to keep growing around 19%/yr.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

The company is loss-making, so its revenue growth is not backed by profit yet.

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: the company is not profitable yet.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY WEAK4 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-19%1

3-month return-48%1

YTD return-64%1

MID & LONG-TERM▾SCORE

% of 52-week high34%1

1-year return-62%1

3-year return-2%3

5-year return+22%5

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Average long-term results. Multi-year returns are middling (-1.6% over three years and +22% over five), roughly average for the market.

WEAKNESSES

It's down 62% over the past year, now 66% below its 52-week high. That is lagging the market.

The stock is underperforming over the past month (-19%), over three months (-48%) and so far this year (-64%).

BOTTOM LINE

Falling Knife

04Value

Are you paying a fair price for it?

Stop guessing on Coastal Financial Corporation. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community