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CCCCB

Coastal Financial Corporation

$CCB·$625M·Banks - Regional·Financial Services
$42.74+4.3%
Mentions · last 7 days
2026-07-26: 0 posts2026-07-27: 0 posts2026-07-28: 0 posts2026-07-29: 0 posts2026-07-30: 28 posts2026-07-31: 13 posts2026-08-01: 5 posts46
Price updated 15m ago·X counts updated 2d ago
CCCCB
$CCBCoastal Financial Corporation
$42.74+4.27%46 posts
AI analysisFundamentalsVoices on X
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What it does

Plain-English summary of the business — what they sell and how they make money.

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.

Industry overviewAI analysisGenerated by AI from underlying data

Where Banks - Regional sits in its cycle right now — and what that implies for $CCB.

Banks - Regional · Financial Services

No material change from last week — Inter's super-app model captures LatAm's under-penetrated credit market while Lloyds and Citizens navigate a NIM cycle that peaks as central banks begin cutting.

Top industry ETF

$KRESPDR S&P Regional Banking ETF
+16.9%YTD
+26.6%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
-186.3How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
0.8%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
10.2%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
40.2%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
1.3Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
-0.8%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
49.7%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.0Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Jul 30, 2026$-2.76$1.01-373.3%
Q1 2026Apr 29, 2026$0.78$1.02-23.5%
Q4 2025Jan 29, 2026$0.82$1.16-29.3%
Q3 2025Oct 29, 2025$0.88$0.87+0.8%
Next earningsWed, Nov 4·consensus EPS $1.06

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q2 FY26$0-100.0%——$-2.79—
Q1 FY26$177.8M+32.8%55.2%8.2%$0.80$74.1M
Q4 FY25$166.5M+20.7%54.0%10.3%$0.84$55.9M
Q3 FY25$140.8M-6.4%37.7%12.7%$0.90$57.4M

Forward consensus

2-year forecast · up to 2 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$607.6M$540.0M – $647.4M$4.50$4.38 – $4.612
FY27$742.9M$660.3M – $791.6M$6.98$6.86 – $7.102

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.8.0×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.5%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.-43.6%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.-53.9%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

β0.725-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellJun 2Brian T HamiltonPresident7.0K sh$500KSellMay 8Thomas D LaneDirector300 sh$22KSellMay 1Brian T HamiltonPresident3.1K sh$232KSellMar 3Brian T HamiltonPresident146 sh$11KSellFeb 6Brian T HamiltonPresident48 sh$4KSellFeb 4Brian T HamiltonPresident171 sh$15K
+ 20 other (13 awards · 7 inkinds) in window

See when $CCB insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
Free, forever. No credit card.

SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KOfficer or director changeJul 308-K — Item 5.02: Officer or director change · Item 5.03: Charter amendment
AI summary

CCB (CCB) disclosed a leadership departure of Christopher D. Adams (Executive Chair of the Board of Director) in an 8-K filed on 2026-07-30. Adams as Executive Chair On July 29, 2026, Coastal Financial Corporation (the “Company”) appointed Christopher D. Adams as Executive Chair of the Board of Directors of the Company (the “Board”), effective July 29, 2026. Mr. Adams, 46, has been a non-employee member of the Board since 2016. In additi This is largely an administrative personnel disclosure with limited direct financial impact.

8-KPress release / Reg FDJul 308-K — Item 7.01: Press release / Reg FD
AI summary

CCB (CCB) filed an 8-K under Reg FD (Item 7.01) on 2026-07-30, posting a investor presentation to its website or furnishing it to the SEC. The Presentation Materials are furnished as Exhibit 99.1 and are incorporated by reference in this Item 9.01. The This is an informational disclosure furnished (not filed) and does not create new liability under the Exchange Act. Materiality depends on the content of the presentation.

8-KOfficer or director changeJul 238-K — Item 5.02: Officer or director change · Item 7.01: Press release / Reg FD
AI summary

CCB (CCB) disclosed a leadership departure/resignation of Joel Edwards (Interim Chief Financial Officer) in an 8-K filed on 2026-07-23. The filing describes changes to the company executive team or board. This is largely an administrative personnel disclosure with limited direct financial impact.

8-KShareholder voteMay 298-K — Item 5.07: Shareholder vote
8-KPress release / Reg FDApr 298-K — Item 7.01: Press release / Reg FD
8-KPress release / Reg FDApr 298-K — Item 7.01: Press release / Reg FD
3New insider — initial holdingsApr 83
3New insider — initial holdingsApr 83
+ 11 other (2 earnings 8-Ks · 2 proxys · 1 routine 8-K · 1 10-Q) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

COASTAL FINANCIAL CORPORATION INVESTOR ALERT: Kirby McInerney LLP Announces Investigation Into Potential Securities Fraudglobenewswire.com·3d agoDown 49% in 4 Weeks, Here's Why You Should You Buy the Dip in Coastal Financial (CCB)zacks.com·3d agoCoastal Financial Corporation (CCB) Q2 2026 Earnings Call Transcriptseekingalpha.com·4d agoSecurities Fraud Investigation Into Coastal Financial Corporation (CCB) Announced – Shareholders Who Lost Money Urged To Contact Glancy Prongay Wolke & Rotter LLP, a Leading Securities Fraud Law Firmbusinesswire.com·4d agoCoastal Financial Corporation (CCB) Shareholders Who Lost Money – Contact Law Offices of Howard G. Smith About Securities Fraud Investigationbusinesswire.com·4d ago

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