Stocks · Financial Services · Banks - Regional
Coastal Financial Corporation CCB
$40.17 -0.91% Close, Oct 2, 2026 · NASDAQ · Market cap $612.5M
Strong growthWeak trendInexpensive vs sectorHigh risk
Next earnings report: Nov 4, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $-0.24, down 107.4% year over year.
- Revenue over the last four quarters was $787.3M, up 46.5% from a year earlier, accelerating from 7.4% a quarter earlier.
- Over the past year the stock returned -63.7%, behind the S&P 500 by 78.7 percentage points.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 7%
- EPS growth (TTM, YoY)Bottom 7%
- FCF growth (TTM, YoY)Bottom 38%
- Revenue growth, 3-year CAGRTop 9%
- Revenue growth accelerationTop 3%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 47%
- Gross marginBottom 26%
- Operating marginBottom 25%
- Accruals (lower is better)Top 16%
- Net debt / EBITDA (lower is better)Top 31%
- Interest coverBottom 41%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 13%
- Free-cash-flow yieldTop 6%
- EBITDA / enterprise valueTop 12%
- Sales / enterprise valueTop 8%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 3%
- 6-month returnBottom 1%
- 1-year return vs S&P 500Bottom 3%
- Distance from 52-week highBottom 3%
- Trend checklist (0–4)Bottom 9%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 3%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyTop 12%
- Upside to consensus price targetTop 6%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 1%
- Maximum drawdown, 3 yearsBottom 7%
- Beta vs S&P 500 (lower is better)Bottom 17%
- Net debt / EBITDA (lower is better)Top 31%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 7.4% | 46.5% | ↑ |
| EPS growth (YoY) | -5.6% | -107.4% | ↓ |
| Gross margin | 36.2% | 53.6% | ↑ |
| Operating margin | 11.1% | 11.3% | ↑ |
| FCF margin | 47.0% | 33.8% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 46.5% | 7.4% | ↑ | Top 7% |
| EPS growth (TTM, YoY) | -107.4% | -5.6% | ↓ | Bottom 7% |
| Gross margin | 53.6% | 36.2% | ↑ | Bottom 26% |
| Operating margin | 11.3% | 11.1% | ↑ | Bottom 25% |
| Net margin | -0.5% | 8.9% | ↓ | — |
| Free-cash-flow margin | 33.8% | 47.0% | ↓ | — |
| Return on invested capital | 1.5% | — | Top 47% | |
| Revenue growth, 3-year CAGR | 41.7% | — | Top 9% |
Quality of earnings and balance sheet
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -5.0%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.8%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +11713.3 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.05×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.8×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- 0.01%
- Shareholder yield
- 0.01%
- Share count change, 1 year
- +0.1%
- Share count change, 3-year CAGR
- +4.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 2 of 8
- Average EPS surprise, last 4
- -100.0%
- Average 2-day reaction, last 8
- -6.2%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $69.00
- Target vs current price
- +71.8%
- Analysts with a rating
- 5
- Share rating Buy or Strong Buy
- 80%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 30, 2026 | -373.3% | -43.5% | -37.5% | -33.7% | — |
| Apr 29, 2026 | -23.5% | -12.7% | -13.8% | -18.3% | -16.7% |
| Jan 29, 2026 | -29.3% | -0.1% | -12.0% | -23.3% | -18.5% |
| Oct 29, 2025 | +0.8% | +0.3% | -0.7% | +3.5% | +4.6% |
| Jul 29, 2025 | -15.5% | -4.2% | -6.5% | +10.8% | +1.9% |
| Apr 29, 2025 | -25.4% | -0.9% | -9.0% | +0.8% | +14.1% |
| Jan 28, 2025 | -2.1% | +2.6% | +5.1% | +8.2% | +5.4% |
| Oct 28, 2024 | +2.1% | +8.9% | +8.2% | +31.2% | +44.4% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 30, 2026 | -$2.76 | $1.01 | -373.3% | $178.1M |
| Apr 29, 2026 | $0.78 | $1.02 | -23.5% | $149.4M |
| Jan 29, 2026 | $0.82 | $1.16 | -29.3% | $138.0M |
| Oct 29, 2025 | $0.88 | $0.87 | +0.8% | $140.8M |
| Jul 29, 2025 | $0.71 | $0.84 | -15.5% | $115.2M |
| Apr 29, 2025 | $0.63 | $0.85 | -25.4% | $133.9M |
| Jan 28, 2025 | $0.94 | $0.96 | -2.1% | $143.3M |
| Oct 28, 2024 | $0.97 | $0.95 | +2.1% | $150.5M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (forward) | 30.1× | — | — | — |
| EV / EBITDA | 6.5× | — | — | Top 12% |
| EV / Sales | 0.78× | — | — | Top 8% |
| Free-cash-flow yield | 43.44% | — | — | Top 6% |
| Earnings yield | -0.60% | — | — | Bottom 13% |
P/E over the past five years
Range 9.8× – 33.6× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -63.7%
- Earnings per share growth (TTM)
- -107.4%
- Change in P/E multiple
- -8.1%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -21.6%
- 200-day average slope (20 days)
- -7.9%
- Distance from 50-day average
- -16.5%
- Distance from 200-day average
- -46.8%
- RSI (14)
- 34.8
- Relative volume
- 1.51×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 130.9%
- Volatility vs own 5-year history
- 100th percentile · High for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.09
- Correlation with S&P 500
- 0.31
- Current drawdown from 1-year high
- -66.2%
- Maximum drawdown, 3 years
- -68.4%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 8, 2026 | Sep 28, 2026 | -68.4% | 180 days | Not yet recovered |
| Dec 7, 2022 | May 12, 2023 | -39.0% | 107 days | 327 days (Aug 30, 2024) |
| Jan 7, 2022 | May 20, 2022 | -32.5% | 92 days | 138 days (Dec 7, 2022) |
| Mar 3, 2025 | May 7, 2025 | -21.6% | 46 days | 38 days (Jul 2, 2025) |
| Mar 12, 2021 | Apr 20, 2021 | -18.6% | 26 days | 14 days (May 10, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $612.5M
- EPS, diluted (TTM)
- -$0.24
- Revenue (TTM)
- $787.3M
- 52-week range
- $35.56 – $120.05
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $105.5M | $232.2M | $440.4M | $576.6M | $661.2M |
| Gross profit | $91.9M | $132.8M | $164.8M | $175.3M | $349.0M |
| Operating income | $34.4M | $50.6M | $57.1M | $57.3M | $61.2M |
| Net income | $27.0M | $40.6M | $44.6M | $45.2M | $47.0M |
| EPS (diluted) | $2.16 | $3.01 | $3.27 | $3.25 | $3.04 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $150.5M | $137.9M | $133.9M | $115.2M | $140.8M | $166.5M | $177.8M | $302.1M |
| Net income | $13.5M | $13.4M | $9.7M | $11.0M | $13.6M | $12.6M | $12.0M | -$42.1M |
| EPS (diluted) | $0.97 | $0.94 | $0.63 | $0.71 | $0.88 | $0.82 | $0.78 | -$2.72 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $29.8M | $67.1M | $191.5M | $259.8M | $254.6M |
| Capital expenditure | -$2.6M | -$2.8M | -$6.2M | -$9.9M | -$8.4M |
| Free cash flow | $27.3M | $64.3M | $185.3M | $249.9M | $246.1M |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | $32.4M | $1.5M | $618,000 | $91.8M | -$3.3M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $48.1M
- Total assets
- $5.46B
- Total liabilities
- $4.99B
- Total debt
- $52.6M
- Net debt
- $4.5M
- Shareholders’ equity
- $463.4M
As of Jun 30, 2026 (filed Aug 7, 2026).
Short interest
- Shares sold short
- 1,165,874
- Days to cover
- 6.75
- Change vs previous report
- +7.0%
FINRA short interest, settlement date Sep 15, 2026.