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Coastal Financial Corporation

NASDAQ•CCB
CEO: Mr. Eric M. Sprink
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 2018-07-19
Coastal Financial Corporation operates as the bank holding company for Coastal Community Bank that provides various banking products and services to small and 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 also offers commercial and industrial loans, such as term loans, commercial lines of credit, capital call lines working capital loans, equipment financing, borrowing base loans, small business administration loans, and other loan products; owner and non-owner-occupied real estate loans, and multi-family residential loans; construction, land, 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 personal lines of credit, including overdraft protection. In addition, it provides remote deposit capture, online and mobile banking, and direct and reciprocal deposit services; and debit cards. Further, 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 customers banking services. Coastal Financial Corporation was founded in 1997 and is headquartered in Everett, Washington.
Contact Information
5415 Evergreen Way, Everett, WA, 98203-3646, United States
425-257-9000
www.coastalbank.com
Market Cap
$1.17B
P/E (TTM)
24.7
14.5
Dividend Yield
--
52W High
$120.05
52W Low
$70.72
52W Range
13%
Rank38Top 36.9%
4.3
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 4.3 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$166.55M+20.73%
4-Quarter Trend

EPS

$0.84-13.40%
4-Quarter Trend

FCF

$55.89M+0.00%
4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Net Interest Income Growth NII increased 13.6% to $310.1M, driven by CCBX loan growth, though NIM slightly compressed to 7.14% versus 7.18% last year.
Asset Quality Shows Improvement NPL ratio decreased to 1.71% from 1.80%. ACL coverage improved to 4.52% of loans due to better CCBX portfolio performance.
Total Assets and Deposits Scale Total assets grew 15.0% to $4.74B, supported by CCBX segment expansion. Total deposits reached $4.14B, focusing on core deposits.
Net Income Rises, EPS Declines Net Income increased to $47.0M, but diluted EPS fell to $3.06 from $3.26 due to increased common shares outstanding post-2024 capital raise.

Risk Factors

Interest Rate Margin Pressure Elevated funding costs and competitive deposit pricing may compress NIM if yields on earning assets do not increase proportionally or if rates remain high.
CCBX Counterparty Credit Risk Significant reliance on CCBX partners for credit enhancements exposes the bank to counterparty risk if partners fail to meet indemnification obligations.
Regional Economic Concentration Substantial loan portfolio concentration in Puget Sound real estate markets increases vulnerability to adverse regional economic conditions and collateral value declines.
Operational and Cybersecurity Dependency High dependency on complex IT systems and third-party vendors creates operational risk from potential failures, security breaches, and resulting regulatory scrutiny.

Outlook

NIM Sensitivity to Rates The balance sheet shows slight asset sensitivity under dynamic modeling, driven by adjustable-rate CCBX products, impacting future net interest income performance.
Maintaining Strong Capital Levels Management expects to maintain strong capital adequacy ratios, exceeding well-capitalized thresholds, while funding continued growth through retained earnings.
BaaS Competitive Environment The BaaS strategy faces increasing competition from technology platforms and partners seeking bank charters, potentially limiting future deposit and fee revenue growth.
Credit Quality Focus The company intends to maintain disciplined underwriting, focusing on higher quality CCBX loan originations to keep credit costs manageable relative to historical trends.

Peer Comparison

Revenue (TTM)

LOB stock ticker logoLOB
$1.04B
+12.0%
HOPE stock ticker logoHOPE
$967.80M
-3.2%
NWBI stock ticker logoNWBI
$876.99M
+16.3%

Gross Margin (Latest Quarter)

BLX stock ticker logoBLX
93.9%
+1.2pp
TCBK stock ticker logoTCBK
79.7%
+5.9pp
CHCO stock ticker logoCHCO
79.3%
+4.6pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
NIC$2.24B14.712.4%1.5%
CLBK$1.82B34.24.6%10.7%
STEL$1.80B17.66.3%0.4%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
7.5%
Steady Growth
4Q Net Income CAGR
9.1%
Profitability Improving
Cash Flow Stability
100%
Strong Cash Flow

Deep Research

Next earnings:Apr 27, 2026
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LTM
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