Coastal Financial stock
CCBNASDAQCoastal Financial Corporation, Financial ServicesISIN US19046P2092
58Score 58 out of 100, Neutral
Price and trend
33 / 100
Price history
−60% in one yearThe chart shows daily closes over 8 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 34% below it.
Since February 2026 the 50-day line has been below the 200-day line; the trend has turned down.
Normal: the price is neither overheated nor sold off (RSI 44).
The price is 63% below its 52-week high. Largest decline in 8 years: 68% (January 2026 to September 2026).
Chart figures for advanced users
- SMA 50$43.98
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$65.52
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)44
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDbelow the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$37.55
- The lowest closing price of the last twelve months.
- Resistance$118.97
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Coastal Financial Corporation belongs to the Banks (Regional) industry (United States) and, with a market value of $664.56M, is number 346 of 422 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $541.67M (up 19.6% year on year) and earnings of $46.99M (up 3.9%).
- MEQIRI Score 58 out of 100 (Neutral): rank 761 of 976 in Financial Services, median 68.
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- The P/E is 13.9 (Banks (Regional) median 12.2, own median of recent years 16.5).
- Our model puts fair value at $48.76, with the price 11% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Growing faster than its industryRevenue up 52.7% a year since 2020, Banks (Regional) median 7.5%.Growth 94
- Earnings per share growingUp 19.7% a year since 2020.Growth 94
- Consistently profitableProfit in all 10 fiscal years from 2016 to 2025.Fundamentals 78
Weaknesses
- DilutionShare count up 27% since 2020.Capital allocation 35
- Margin fallingOperating margin 11.3%, average of the prior years 23.9% (to 2024).Profitability 47
- Share price fell sharplyDown 59% over the last 12 months.Momentum 26
Its standout strengths are growth and fundamentals, while technical analysis and momentum hold the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk high
How well MEQIRI warnsOne of the 30% with the highest crash risk among smaller stocks.
From 2016 to 2025, 36 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What drives the risk
- price far below its 52-week high
- high price swings
- high growth grade (crashed more often in the backtest)
What lowers it
- price not overheated over the past year
- solid fundamentals
Valuation
Valuation signal
Fairly valuedIn our model the price counts as cheap below $32.50 and expensive above $97.51 (uncertainty very high, based on the price swings of the past year).
The two parts of the fair value come to $59.35 (excess return model) and $38.16 (industry comparison), and the gap between them shows how uncertain the estimate is.
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $43.81, at 7.8% it would be $56.17.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (12.2).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In fiscal 2025, revenue rose 19.6% on the prior year. Revenue has grown strongly since 2013, at around 37% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 11%, net 9%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 28 Jan 2027in 77 days
- Last reported
- 29 Oct 2026EPS reported $0.89 (expected $0.96)below expectations
Analyst estimates
Analysts have cut their 2027 earnings estimate by 4.7% since 15 Oct 2026. Falling estimates often precede bad news.
- Earnings per share
- $0.18−85.3%
- Revenue
- $584.72M−7.0%
- Earnings per share
- $5.18−4.7%
- Revenue
- $635.69M−14.2%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook mixed
Share price after the results: −8.1%Coastal expects another required charge-off from the partner portfolio by year-end, but sees no similar issues across the rest of the CCBX portfolio and plans over $20 million in annualized cost savings over the next 4 to 6 quarters.
“We have identified over $20 million in potential annualized savings in noninterest expenses and expect to achieve these potential savings over the next 4 to 6 quarters.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 29 Oct 2026 (fiscal Q3 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
3 insiders bought on the open market between 5 Aug 2026 and 7 Aug 2026, $1.12M in total. One insider sold, $499,961 in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Coastal Financial
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 58
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Banks (Regional)
The next larger and next smaller companies by market value
- Midland States BancorpMSBI $667.55M59
- Basler KantonalbankBSKP.SW $667.37M65
- West Coast Community BancorpWCCB $666.84M81
- Third Coast BancsharesTCBX $666.4M70
- Carter BanksharesCARE $641.97M68
- Oma SäästöpankkiOMASP.HE $638.79M57
- First Business Financial ServicesFBIZ $623.99M82
- Greene County BancorpGCBC $609M77
ETFs that hold Coastal Financial
Held by 10 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.02% | 0.30% | €2.17B |
| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.02% | 0.30% | €4.22B |
| iShares MSCI World Small Cap CTB Enhanced ESG UCITS ETFCBUG | 0.02% | 0.35% | €434.1M |
Show 5 more
| L&G Russell 2000 US Small Cap Quality UCITS ETFETLZ | 0.02% | 0.30% | €185.82M |
| iShares MSCI USA Small Cap CTB Enhanced ESG UCITS ETFSXRG | 0.01% | 0.43% | €2.48B |
| State Street SPDR MSCI USA Small Cap Value Weighted UCITS ETFZPRV | 0.01% | 0.30% | €944.34M |
| iShares MSCI World Small Cap UCITS ETFIUSN | 0.01% | 0.35% | €8.19B |
| UBS MSCI USA Select Factor Mix UCITS ETF USD accUSUE | 0.00% | 0.25% | €175.89M |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 11 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral since 7 Nov 2026, previously Weak
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.