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Coastal Financial Corporation operates as the bank holding company for Coastal Community Bank that provides various banking products and services to consumers and small and medium-sized businesses 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 and 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 digital financial service partners to offer their customers banking services. The company was founded in 1997 and is headquartered in Everett, Washington.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Coastal Financial Corp (NASDAQ: CCB) is a U.S. financial services holding company; publicly available information is limited and descriptions rely on regulatory filings. Long-term growth may come from loan and deposit expansion, net interest margin improvement as rates normalize, and modest fee-income diversification; investors may find exposure to a small regional banking franchise with local customer relationships appealing.
Key risks are sensitivity to interest-rate and credit cycles, competitive deposit and funding pressures, and small-company constraints such as limited liquidity and capital, so investors should monitor filings for financial details.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 61.24M | 57.32M | 57.13M | 50.62M | 34.38M |
| Net income | 46.99M | 45.22M | 44.58M | 40.62M | 27.00M |
| Selling general administrative | 92.42M | 75.06M | 72.80M | 56.80M | 42.77M |
| Selling and marketing expenses | - | 0.49M | 0.52M | 2.46M | 0.45M |
| Gross profit | 349.04M | 175.26M | 330.37M | 213.59M | 101.81M |
| Reconciled depreciation | 6.51M | 4.55M | 2.03M | 1.81M | 1.59M |
| Ebit | - | 57.32M | 57.13M | 71.02M | 34.38M |
| Ebitda | 61.24M | 61.87M | 57.13M | 72.83M | 35.96M |
| Depreciation and amortization | - | 4.55M | 2.33M | 1.81M | 1.59M |
| Operating income | 61.24M | 57.32M | 57.13M | 71.02M | 34.38M |
| Other operating expenses | 599.98M | 519.29M | 0.52M | 0.35M | -67.43M |
| Interest expense | 119.55M | 123.75M | 91.64M | 20.39M | 3.65M |
| Tax provision | 14.25M | 12.10M | 12.13M | 10.00M | 7.37M |
| Interest income | 429.09M | 396.34M | 306.79M | 191.82M | 82.80M |
| Net interest income | 309.53M | 272.59M | 232.14M | 171.43M | 79.15M |
| Income tax expense | 14.25M | 12.10M | 12.55M | 10.00M | 7.37M |
| Total revenue | 661.23M | 576.61M | 330.37M | 213.59M | 101.81M |
| Total operating expenses | 287.80M | 117.94M | 0.52M | 0.35M | -67.43M |
| Cost of revenue | 312.18M | 401.36M | 275.64M | - | - |
| Total other income expense net | - | 57.32M | 57.13M | -20.39M | -3.65M |
| Net income from continuing ops | 46.99M | 45.22M | 48.69M | 40.62M | 27.00M |
| Net income applicable to common shares | - | - | - | 40.62M | 27.00M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 4741.44M | 4121.21M | 3780.70M | 3144.47M | 2635.52M |
| Other current assets | 3598.61M | - | 626.96M | 2228.05M | 899.91M |
| Total liab | 4250.48M | 3682.50M | 3485.72M | 2900.97M | 2434.30M |
| Total stockholder equity | 490.96M | 438.70M | 294.98M | 243.49M | 201.22M |
| Deferred long term liab | - | - | - | 0.62M | 0.74M |
| Other current liab | 4.98M | 3584.32M | 3280.33M | 15.19M | -0.36M |
| Common stock | 233.44M | 228.18M | 130.14M | 125.83M | 121.84M |
| Capital stock | 233.44M | 228.18M | 130.14M | 125.83M | 121.84M |
| Retained earnings | 257.52M | 210.53M | 165.31M | 120.00M | 79.37M |
| Other liab | - | - | - | 29.95M | 10.96M |
| Good will | 4.54M | - | - | - | - |
| Other assets | 1069.87M | 3360.79M | 0.00M | 2544.64M | 1710.50M |
| Cash | 34.24M | 452.51M | 483.13M | 342.14M | 813.16M |
| Total current liabilities | 4.98M | 3615.47M | 3281.31M | 21.10M | 0.36M |
| Current deferred revenue | - | - | -34.54M | - | -5.96M |
| Net debt | 23.76M | -399.23M | -429.27M | -289.32M | -753.97M |
| Short term debt | 4.98M | 1.01M | 0.98M | 5.23M | 6.32M |
| Short long term debt | - | - | - | - | 0.00M |
| Short long term debt total | 58.00M | 53.28M | 53.86M | 52.82M | 59.19M |
| Other stockholder equity | - | 228.18M | - | 125.83M | 121.84M |
| Property plant equipment | - | - | - | 18.21M | 23.32M |
| Total current assets | 3632.88M | 487.79M | 626.96M | 467.69M | 856.59M |
| Long term investments | 61.08M | 58.12M | 160.59M | 108.91M | 45.10M |
| Net tangible assets | - | - | - | 243.49M | 201.22M |
| Short term investments | 0.03M | 0.04M | 99.50M | 97.32M | 35.33M |
| Net receivables | 3598.61M | 35.24M | 35.91M | 28.23M | 8.11M |
| Long term debt | 48.04M | 47.88M | 47.73M | 47.59M | 52.87M |
| Inventory | - | - | -2904.61M | - | - |
| Accounts payable | 28.93M | 30.13M | 34.54M | 0.68M | 0.36M |
| Accumulated other comprehensive income | -0.00M | -0.00M | -0.47M | -2.33M | 0.00M |
| Common stock total equity | - | - | - | 125.83M | 121.84M |
| Retained earnings total equity | - | - | - | 120.00M | 79.37M |
| Non currrent assets other | -4415.03M | 27.02M | 24.86M | -18.46M | -68.42M |
| Non current assets total | 38.68M | 3633.42M | 3153.74M | 132.14M | 68.42M |
| Capital lease obligations | 4.98M | 5.40M | 6.12M | 5.23M | 6.32M |
| Long term debt total | - | - | - | 47.59M | 27.87M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -1.49M | -608.57M | -581.11M | -993.09M | -865.66M |
| Change to liabilities | - | - | - | 0.00M | 0.00M |
| Total cashflows from investing activities | -525.65M | -608.57M | -594.01M | -987.95M | -894.15M |
| Net borrowings | - | 0.00M | 0.00M | -5.37M | 14.26M |
| Total cash from financing activities | 555.52M | 318.17M | 543.46M | 449.83M | 859.84M |
| Change to operating activities | - | - | - | -46.04M | -3.67M |
| Net income | 46.99M | 45.22M | 44.58M | 40.62M | 27.00M |
| Change in cash | 284.46M | -30.61M | 140.99M | -471.02M | -4.47M |
| Begin period cash flow | 452.51M | 483.13M | 342.14M | 813.16M | 18.96M |
| End period cash flow | 736.97M | 452.51M | 483.13M | 342.14M | 14.50M |
| Total cash from operating activities | 254.58M | 259.79M | 191.54M | 67.10M | 29.85M |
| Issuance of capital stock | 0.08M | 91.80M | 0.00M | 0.00M | 32.39M |
| Depreciation | 6.51M | 4.55M | 2.33M | 1.81M | 1.59M |
| Other cashflows from investing activities | -516.28M | -701.69M | -538.81M | 7.98M | -25.90M |
| Change to account receivables | -10.05M | -5.05M | 1.33M | - | - |
| Sale purchase of stock | -3.53M | 0.00M | 0.00M | 1.47M | 32.75M |
| Other cashflows from financing activities | 558.87M | 226.36M | 542.84M | 473.36M | 991.16M |
| Change to netincome | - | - | - | 26.47M | 2.84M |
| Capital expenditures | 8.44M | 9.90M | 6.25M | 2.84M | 2.59M |
| Cash and cash equivalents changes | - | - | - | -471.02M | -4.47M |
| Change in working capital | -5.06M | -72.55M | -56.41M | -45.68M | -3.67M |
| Stock based compensation | 8.60M | 4.84M | 3.66M | 2.52M | 1.28M |
| Other non cash items | 193.08M | 277.58M | 183.50M | 78.84M | 6.65M |
| Free cash flow | 246.15M | 249.89M | 185.29M | 64.26M | 27.25M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| CCB Coastal Financial Corp |
0.55 1.28% |
43.46 | 27.00 | 17.79 | 3.57 | 2.57 | 3.25 |
| DBSDY DBS Group Holdings Ltd ADR |
1.63 0.74% |
220.68 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.69 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
-0.32 0.93% |
34.21 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
-0.01 0.01% |
93.32 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
Coastal Financial Corporation operates as the bank holding company for Coastal Community Bank that provides various banking products and services to consumers and small and medium-sized businesses 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 and 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 digital financial service partners to offer their customers banking services. The company was founded in 1997 and is headquartered in Everett, Washington.
| Name | Title | Year Born |
|---|---|---|
| Mr. Eric M. Sprink | CEO & Director | 1973 |
| Mr. Joel G. Edwards | Exec. VP, CFO & Corp. Sec. | 1960 |
| Mr. John J. Dickson | Exec. VP & COO | 1961 |
| Mr. Curt Queyrouze | Pres | NA |
| Ms. Erika Heer | Exec. VP & Chief HR Officer | NA |
| Mr. Russell A. Keithley | Exec. VP & Chief Banking Officer | 1966 |
| Ms. Laura L. Byers | Chief Digital Banking Officer & Exec. VP | 1957 |
| Jon Sand | Exec. VP & Chief Credit Officer | NA |
| Mr. Tyler Ferguson | Exec. VP & Chief Credit Officer of CCBX | NA |
| Mr. Andrew Stines | Exec. VP & Chief Risk Officer | NA |
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