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Coastal Financial

NSQ:CCB · US19046P2092
BanksSmall

360

53
Profit price5
Cash yield1
Price/Sales95
Price/Book3
Returns on capital44
Profit margins—
Cash Conversion100
Accruals15
Owner Earnings Margin8
Sales growth61
Profit Growth54
Owner Earnings Growth23
Reinvestment70
Price momentum1
Debt load100
Debt serviceability5
Liquidity16
Analyst ratings88
Opinion Changes50
Price Target Upside100
Market mood100
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Coastal Financial clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGS
Founded2003
Employees390
Websiteir.coastalbank.com/overview/default.aspx
ISINUS19046P2092
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)
Themes
Financial Services

Description

Coastal Financial Corporation operates as a bank holding company for Coastal Community Bank (the ‘bank’) that provides a wide range of banking products and services to consumers and small to medium sized businesses in the broader Puget Sound region i…

Analysis

Hope premium

Coastal Financial Corporation carries what we call a hope premium: an average business trading at an ambitious price.

The price is expensive. You pay 26.7× its owner earnings: the cash an owner could take out each year, which is in the historically expensive zone.

The trajectory is solid and the balance sheet is stretched. The company scores 10/20 on our value-creation score: creating some value. Analysts lean positive.

What to watch: Some accounting patterns deserve a closer look. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
19
2023202420252026

All-time high

53

Jan 2024

All-time low

6

Mar 2026

Average rank

31

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
95
87
100
9
Price/Earnings
17
3
55
6
Price/Book
3
1
7
3
Dividend Yield
1
1
1
1
Value (overall)
16
7
40
3

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →