Coastal Financial (CCB) Stock Price, News & Analysis

Company Overview

Coastal Financial Corporation is a bank holding company whose principal subsidiary, Coastal Community Bank, provides a full range of community banking services to clients along North Carolina’s central and eastern coastline. The company focuses on delivering personalized relationship banking to individuals, small businesses, and local professionals in seaside and inland communities.

Through Coastal Community Bank, Coastal Financial offers deposit products including checking, savings, money market accounts and certificates of deposit. Its lending portfolio spans commercial real estate and commercial business lines, residential mortgage and construction loans, and consumer financing. The company also provides treasury and cash management solutions, merchant card services, and trust and wealth management capabilities to support client liquidity and investment needs.

Headquartered in New Bern, North Carolina, Coastal Financial maintains branch offices across coastal counties, serving markets in Carteret, Craven, Onslow, and neighboring areas. Its localized branch network is complemented by online and mobile banking platforms, enabling customers to access account services, digital payments, and remote deposit capture.

As a community-oriented financial institution, Coastal Financial Corporation is regulated by the Federal Reserve and the Federal Deposit Insurance Corporation. The company emphasizes close client relationships, local decision-making and support for regional economic development through commercial lending and community reinvestment.

Key Stats

• Today's Range: $112.71 to $115.51
• 50-Day Range: $92.40 to $115.50
• 52-Week Range: $47.90 to $116.48
• Volume: 148,114 shs
• Average Volume: 133,899 shs
• Market Capitalization: $1.72 billion
• P/E Ratio: 35.02
• Dividend Yield: N/A
• Price Target: $110.25
• Consensus Rating: Buy

Coastal Financial Stock Analysis - MarketRank™

Coastal Financial scored higher than 76% of companies evaluated by MarketBeat, and ranked 378th out of 936 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.6 / 5
• Analyst Rating: Buy

Consensus Rating

Coastal Financial has received a consensus rating of Buy. The company's average rating score is 3.25, and is based on 3 buy ratings, no hold ratings, and no sell ratings.

Amount of Analyst Coverage

Coastal Financial has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 47.71%

Earnings Growth

Earnings for Coastal Financial are expected to grow by 47.71% in the coming year, from $4.59 to $6.78 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Coastal Financial is 35.02, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 269.50.

Price to Earnings Ratio vs. Sector

The P/E ratio of Coastal Financial is 35.02, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 228.93.

Price to Book Value per Share Ratio

Coastal Financial has a P/B Ratio of 3.72. P/B Ratios above 3 indicate that a company could be overvalued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

6.03% of the outstanding shares of Coastal Financial have been sold short.

Short Interest Ratio / Days to Cover

Coastal Financial has a short interest ratio ("days to cover") of 7.1.

Change versus previous month

Short interest in Coastal Financial has recently increased by 13.98%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Coastal Financial does not currently pay a dividend.

Dividend Growth

Coastal Financial does not have a long track record of dividend growth.

Sustainability and ESG

• Score: 3.7 / 5
• Environmental Score: -0.47

Percentage of Shares Shorted

6.03% of the outstanding shares of Coastal Financial have been sold short.

Short Interest Ratio / Days to Cover

Coastal Financial has a short interest ratio ("days to cover") of 7.1.

Change versus previous month

Short interest in Coastal Financial has recently increased by 13.98%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 3.1 / 5
• News Sentiment: 1.63

News Sentiment

Coastal Financial has a news sentiment score of 1.63. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 1.07 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 9 news articles for Coastal Financial this week, compared to 4 articles on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Coastal Financial insiders have not sold or bought any company stock.

Percentage Held by Insiders

14.10% of the stock of Coastal Financial is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

59.24% of the stock of Coastal Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

CCB Stock Analysis - Frequently Asked Questions

How have CCB shares performed this year?

Coastal Financial's stock was trading at $84.91 on January 1st, 2025. Since then, CCB shares have increased by 34.0% and is now trading at $113.82.

How were Coastal Financial's earnings last quarter?

Coastal Financial Corporation (NASDAQ:CCB) issued its quarterly earnings data on Tuesday, July, 29th. The company reported $0.71 earnings per share (EPS) for the quarter, missing analysts' consensus estimates of $0.87 by $0.16. The firm earned $119.43 million during the quarter, compared to the consensus estimate of $158.05 million. Coastal Financial had a net margin of 7.02% and a trailing twelve-month return on equity of 11.31%.

When did Coastal Financial IPO?

Coastal Financial (CCB) raised $38 million in an initial public offering on Wednesday, July 18th 2018. The company issued 2,700,000 shares at a price of $13.00-$15.00 per share. Keefe, Bruyette & Woods (A Stifel Company) and Hovde Group acted as the underwriters for the IPO.

Who are Coastal Financial's major shareholders?

Coastal Financial's top institutional shareholders include Azora Capital LP (4.97%), American Century Companies Inc. (3.21%), Westwood Holdings Group Inc. (2.83%) and Westwood Holdings Group Inc. (2.81%). Insiders that own company stock include Eric M Sprink, Joel G Edwards, Joel G Edwards, John J Dickson, Steven D Hovde, Steven D Hovde, Jonathan E Sand, Gregory A Tisdel, Andrew G Stines and Andrew P Skotdal.
View institutional ownership trends.

How do I buy shares of Coastal Financial?

Shares of CCB stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Coastal Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Coastal Financial investors own include NVIDIA (NVDA), Meta Platforms (META), Advanced Micro Devices (AMD), Tesla (TSLA), JPMorgan Chase & Co. (JPM), Home Depot (HD) and Netflix (NFLX).

Company Calendar

• Last Earnings: 7/29/2025
• Today: 9/04/2025
• Next Earnings (Estimated): 10/27/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - WEST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:CCB
• CIK: 1437958
• Web: www.coastalbank.com
• Phone: (425) 257-9000
• Fax: N/A
• Employees: 380
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Coastal Financial: $110.25
• High Price Target: $126.00
• Low Price Target: $100.00
• Potential Upside/Downside: -3.1%
• Consensus Rating: Buy
• Rating Score (0-4): 3.25
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $3.25
• Trailing P/E Ratio: 35.02
• Forward P/E Ratio: 24.80
• P/E Growth: N/A
• Net Income: $45.22 million
• Net Margins: 7.02%
• Pretax Margin: 8.82%
• Return on Equity: 11.31%
• Return on Assets: 1.12%

Debt

• Debt-to-Equity Ratio: 0.10
• Current Ratio: 1.06
• Quick Ratio: 1.05

Sales & Book Value

• Annual Sales: $703.32 million
• Price / Sales: 2.45
• Cash Flow: $3.83 per share
• Price / Cash Flow: 29.75
• Book Value: $30.56 per share
• Price / Book: 3.72

Miscellaneous

• Outstanding Shares: 15,110,000
• Free Float: 12,979,000
• Market Cap: $1.72 billion
• Optionable: Not Optionable
• Beta: 1.05