COASTAL FINANCIAL CORP (CCB)
Financials · regional banks / banking-as-a-service · NASDAQ
Coastal Financial Corporation combines a traditional community bank in the Puget Sound with a high-growth Banking-as-a-Service (BaaS) platform that powers digital financial partners nationwide.
What COASTAL FINANCIAL CORP does
Coastal Financial Corporation is a bank holding company that operates through its subsidiary, Coastal Community Bank. It provides community banking services to consumers and small-to-medium businesses in Washington state's Puget Sound region and operates a Banking-as-a-Service (BaaS) segment called CCBX, which partners with digital financial service providers to offer banking services nationwide.
Themes: community banking, banking-as-a-service (BaaS), fintech enablement, digital banking
Fundamentals
- Price$46.28 as of 2026-08-21 close
- Market cap$707M as of 2026-08-21
- 1-year return-55.8% 2025-08-21 close $104.61 → 2026-08-21 close $46.28
- P/E15.72 as of 2026-08-24
- Net margin+11.7% as of 2026-08-24
- ROE+10.2% as of 2026-08-24
- Debt / equity0.10 as of 2026-08-24
- Revenue growth (YoY)+101.2% as of 2026-08-24
- Beta0.84 as of 2026-08-24
- Last reported earnings2026-07-30 SEC EDGAR Form 8-K (Item 2.02)
How CCB compares in its sector
- price-to-earnings ratiomiddle range 525 covered Financials peers, as of 2026-08-24
- net profit marginmiddle range 538 covered Financials peers, as of 2026-08-24
- operating marginmiddle range 534 covered Financials peers, as of 2026-08-24
- return on equitymiddle range 575 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)middle range 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
How COASTAL FINANCIAL CORP looks technically
COASTAL FINANCIAL CORP (CCB) is trading 45.7% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average crossed below its 200-day average about 119 trading days ago — a "death cross", a bearish long-term signal. A strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 40, with sellers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 34, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 6 trading days ago (its momentum flipped positive). It made a new 20-day low about 17 trading days ago. It is 61.5% below its highest point of the past year. Trading volume is unusually light — only about 40% of its 30-day average.
Trend
8
| Distance from the 200-day | it is trading 45.7% below its 200-day average, the long-term trend line — a long-term downtrend | -45.7% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $65.79 | $65.79 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $85.16 | $85.16 |
| Swing structure | each recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes next | lower highs and lower lows |
| Last swing turn | its last significant turn was a swing high 10 calendar days ago — the swings before that are what the structure reading is measured on | 10 sessions |
| Wave structure | its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five; the labelling fails if price closes above 53.02. It is one of several labellings that fit, and it describes the swings already printed, not what comes next. The same swings also read as a three-part correction in leg C. | possible downward five-wave sequence, in wave 3 (one of several readings) |
| Since the 50/200 cross | its 50-day average crossed below its 200-day average about 119 trading days ago — a "death cross", a bearish long-term signal | 119 sessions |
| Trend strength (14-day ADX) | a strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 40, with sellers in control | 40.3 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 34, neither overbought (above 70) nor oversold (below 30) | 34.2 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($42.83 to $53.02) — its "stochastic" reading is 34 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been slipping within that range over the last few sessions. | 33.8 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 6 trading days ago (its momentum flipped positive) | 6 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $120.05 | $120.05 |
|---|---|---|
| From the 52-week high | it is 61.5% below its 52-week high (its highest price of the past year) | -61.5% |
| Above the 52-week low | it is 26.4% above its 52-week low (its lowest price of the past year) | +26.4% |
| Below the 52-week high | it is 61.5% below its highest point of the past year | 61.5% |
| Since a 20-day breakout | it made a new 20-day low about 17 trading days ago | 17 sessions |
| Since a 55-day breakout | it made a new 55-day low about 17 trading days ago | 17 sessions |
| All-time high | its highest closing price on record is $120.05 (set on 2025-12-22) | $120.05 |
| Given back of the 52-week move | over the past year its closes ranged ($39.91 to $118.97), and it has recovered only a small part of its fall from last year’s high — 8% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $88.77 to $91.30. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 8.1% |
| From the all-time high | it is 61.5% below its all-time high | -61.5% |
| Nearest price level | it is trading 17.5% below a resistance level at $54.37 — a price it turned at twice since 2024-09-03, most recently on 2024-09-30. Since 2024-08-21 it has 0 such levels below the current price and 14 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +17.5% |
| All-time low | its lowest closing price on record is $8.41 (set on 2020-03-24) | $8.41 |
| Above the all-time low | it is 450.2% above its all-time low | +450.2% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually wide versus its own recent history (wider than about 89% of the past ~6 months) | 89th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $3.43 between its high and its low — about 7.4% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $3.43 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $31.09 and $69.74 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $31.09 – $50.41 – $69.74 |
| Typical daily range (% of price) | its price moves about 7.4% in a typical session — more volatile than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 7.4% |
| Stretch from the 200-day average | it is trading 11.3 daily ranges below its 200-day average price (45.7% below it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 11.3 daily ranges below its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is unusually light — only about 40% of its 30-day average | 0.40× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
2
| Since a doji | today it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | today |
|---|---|---|
| Since a bearish engulfing | 4 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 4 sessions ago |
Price gaps
3
| Gap at the open | it opened on 2026-08-21 0.7% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.7% |
|---|---|---|
| Open gap | it gapped 22.2% below the previous close 16 sessions ago and has not traded back through the level it left behind at 70.66 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | -22.2% |
| Gap filled | a 3.7% gap up opened on 2026-08-10 has been "filled" 1 session ago — price traded back through the level the gap left behind, and it took 8 sessions to close | 1 session ago |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 42.4 percentage points (the stock lost 40.1% while the market gained 2.3%) | -42.4% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 37.2 percentage points (the stock lost 34.1% while the market gained 3.1%) | -37.2% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 55.7 percentage points (the stock lost 44.7% while the market gained 11.1%) | -55.8% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 76.2 percentage points (the stock lost 55.8% while the market gained 20.5%) | -76.3% |
Signal agreement
2
| Bullish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bullish state: MACD momentum is positive — these describe past price behaviour, not a forecast | 1 of 9 |
|---|---|---|
| Bearish technical signals | 5 of the 9 technical signals we can compute for it are currently in a bearish state: a strong downtrend, with sellers in control, a "death cross" — its 50-day average is below its 200-day, trading below its 200-day average, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 5 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 40% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is thin, spanning 1.6% of the share price, which is taken to mean a barrier that gives way easily. | -39.9% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 35% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $70.97 — a volume-weighted average of daily closes over 157 sessions, not a true tick-by-tick VWAP. | -34.8% |
|---|---|---|
| Vs the average paid since it last reported | the price is 5% above the average price paid since it last reported on 2026-07-30 (its 8-K), so the typical buyer over that stretch is showing a gain. That average is $44.14 — a volume-weighted average of daily closes over 17 sessions, not a true tick-by-tick VWAP. | +4.8% |
Price levels it has turned at before
CCB last closed at $46.27 on 2026-08-21. Since 2024-08-21 it has turned at 0 prices below its last close and 14 above; the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $54.37 | Resistance | 17.5% above the last close | turned there twice · 2024-09-03 to 2024-09-30 |
| $67.08 | Resistance | 45.0% above the last close | turned there twice · 2026-05-13 to 2026-06-03 |
| $73.31 | Resistance | 58.4% above the last close | turned there four times · 2024-12-09 to 2026-05-27 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five.
This labelling fails — stops being a possible reading at all — if it closes above $53.02.
This is one of several labellings that fit the same swings, so treat it as a reading rather than the reading. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.
Alternate reading: The same swings also read as a three-part correction in leg C, which fails on a close above $53.02.
This reading has stood for 3 trading days, since 2026-08-19.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading below the 200-day moving average · Pulled back from the 12-month high · lagging the market · Printed a doji candle · Most volatile (6%+ typical daily range) · Stretched far below its 200-day average (6+ daily ranges) | Learn: moving average · golden cross · adx · rsi · macd · breakout · fifty two week high low · volume and relative volume
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingStrong Buy (1.50 mean, 1=Strong Buy…5=Strong Sell) — 4 analysts
- Mean price target$49.50 range $47.00 – $53.00; median $49.00
Analyst estimates, as of 2026-08-18. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for CCB
- Consensus EPS estimate$0.9667 next reporting period, as of 2026-08-18
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Credit risk associated with loan portfolios and the need for adequate allowance for credit losses.","Reliance on the CCBX segment and its digital financial service partnerships.","Exposure to economic conditions and volatility in the Puget Sound real estate market."]
What changed in the latest 10-Q
AI-assisted comparison of CCB's 10-Q filed 2026-05-08 against the prior one filed 2025-11-07.
Management's Discussion & Analysis (MD&A)
- Added:
- In newer filing: CCBX segment has 30 partners as of March 31, 2026 (vs. 29 partners as of September 30, 2025 in older filing)
- In newer filing: Total assets of $5.66 billion as of March 31, 2026
- In newer filing: Total loans receivable of $3.86 billion as of March 31, 2026
- In newer filing: Total deposits of $5.04 billion as of March 31, 2026
- In newer filing: Total shareholders' equity of $503.8 million as of March 31, 2026
- In newer filing: Net income comparison for Q1 2026 vs Q1 2025 with specific amounts ($12.0M vs $9.7M)
- In newer filing: Detailed net interest income comparison ($83.4M vs $76.1M)
- In newer filing: Discussion of CCBX loan yield decline from 16.88% to 15.01% due to lower rates and loan mix change
- In newer filing: Reference to Federal Open Market Committee rate reduction of 0.25% on December 11, 2025
- In newer filing: Discussion of lower rate capital call lines at $42.9M higher
- In newer filing: BaaS credit enhancement income decreased $2.9M with explanation of offset to provision for credit losses decrease of $4.4M
- Removed:
- Removed from newer filing: Snohomish County estimated population of over 853,000 in 2025
- Removed from newer filing: Note that one CCBX partner is a broker-dealer
- Removed from newer filing: 'Financial Summary' section containing detailed loan growth analysis (14.6% increase)
- Removed from newer filing: Discussion of $163.5M loan increase during three months ended September 30, 2025
- Removed from newer filing: Discussion of $1.62 billion in CCBX loans sold during quarter ended September 30, 2025
- Removed from newer filing: Deposit increase discussion ($59.0M to $3.97B)
- Removed from newer filing: Cash on balance sheet amount ($642.3M) and borrowing capacity details
- Removed from newer filing: AFS securities portfolio discussion ($31,000 portfolio with 2.8 years maturity)
- Removed from newer filing: Discussion of 29 CCBX relationships at varying stages
- Removed from newer filing: Detailed CCBX strategy discussion regarding partner criteria and product expansion
- Removed from newer filing: Discussion of deposit sweep capability ($672.3M swept off, $311,000 noninterest income)
- Removed from newer filing: Information about Robinhood's deposit program testing and Q4 2025 ramp-up
- Reworded:
- Older filing 'provision for credit losses - loans' changed to 'provision for credit losses on loans' in newer filing
- Newer filing adds explanation of BaaS accounting treatment for indemnification rights and fraud losses not present in older filing structure
- Newer filing includes detailed breakdown of CCBX average loans and yield comparison; older filing presented summary narrative format
- Notes:
- The two filings cover different quarterly periods (Q1 2026 vs Q3 2025), so many differences reflect period-specific reporting rather than policy changes
- The older filing contains a 'Financial Summary' section that is not present in the newer filing excerpt provided, making direct section-by-section comparison incomplete
- The older filing text appears truncated at the 'Comparison of the quarter ended September 30, 2025' section, limiting full comparison of Results of Operations sections
Risk Factors
- Added:
- Added reference to 'conflicts in the Middle East and/or' before changes in U.S. trade policies language (2026-05-08 filing)
- Removed:
- Removed reference to 'Annual Report on Form 10-K for the year ended December 31, 2024' and replaced with 'December 31, 2025' (reflects updated fiscal year reference)
- Reworded:
- Changed 'changes in U.S. trade policies' to 'conflicts in the Middle East and/or changes in U.S. trade policies' to expand geopolitical risk factors (2026-05-08 filing)
- Notes:
- Risk Factors section is substantively similar between filings with only one material addition regarding Middle East conflicts
- Financial statements sections show different reporting periods (Q1 2026 vs. Q3 2025) and are not directly comparable as required Risk Factors comparison
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 1 open-market sale by insiders in the last 90 days.
- Last 90 days0 buys · 1 sell ($499961) — 1 selling insider
- Last 180 days0 buys · 3 sells ($754014) — 2 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-06-02. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about CCB's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding CCB as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 1,994,057
- Reported value $151,747,756
reported quarterly holdings change (2025-12-31 → 2026-03-31): 1 new, 3 increased, 1 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
CCB had 1,100,493 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
CCB had 7.20% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 2.72 days to cover at the same settlement.
- Reported short interest (shares) 1,100,493
- Short interest (% of shares outstanding) 7.20%
- Prior settlement (shares) 1,130,173
- Reported change -2.63%
- Days to cover (reported) 2.72
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Axos Financial (AX)
- Banc of California (BANC)
- Live Oak Bancshares (LOB)
- Pathward Financial (CASH)
- Metropolitan Bank Holding Corp (MCB)
- Cross River Bank (Private)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does COASTAL FINANCIAL CORP (CCB) do?
Coastal Financial Corporation is a bank holding company that operates through its subsidiary, Coastal Community Bank. It provides community banking services to consumers and small-to-medium businesses in Washington state's Puget Sound region and operates a Banking-as-a-Service (BaaS) segment called CCBX, which partners with digital financial service providers to offer banking services nationwide.
What sector is COASTAL FINANCIAL CORP (CCB) in?
COASTAL FINANCIAL CORP (CCB) is classified in the Financials sector. Its industry is regional banks / banking-as-a-service. It trades on NASDAQ.
Who are COASTAL FINANCIAL CORP's (CCB) competitors?
Notable peers of COASTAL FINANCIAL CORP (CCB) include Axos Financial, Banc of California, Live Oak Bancshares, Pathward Financial and Metropolitan Bank Holding Corp. This peer set is informational only — not financial advice.
Is COASTAL FINANCIAL CORP (CCB) overbought or oversold right now?
COASTAL FINANCIAL CORP (CCB) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 34, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on CCB come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.