Coastal Financial Corporation Common Stock (CCB)

FairStock Score: 29/100 — RISKY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

Coastal Financial is a small regional bank, so I begin with book value, returns, and credit risk. At the 2026-10-13 close of $41.45, the FairStock calculation puts it at 1.37 times book and a negative P/E of -148.04, reflecting EPS of -$0.28. ROE is -0.83%, and the Piotroski F-Score is 3/9. The latest filed quarter—fiscal Q2 2026, ended 2026-06-30—reported a net loss of $42.1M and diluted EPS of -$2.76, with a -31.57% margin. That follows fiscal Q1 2026 net income of $12.0M, EPS $0.78. Before that, fiscal Q3 2025 earned $13.6M, EPS $0.88, and fiscal Q2 2025 earned $11.0M, EPS $0.71. Annual results were positive: FY2025 net income $47.0M, EPS $3.06; FY2024 $45.2M, EPS $3.26; FY2023 $44.6M, EPS $3.27. So the franchise has a record of modest profitability, and FairStock labels it a STALWART based on 25.4% five-year profit growth. But recent annual growth is not heroic, and the latest quarterly loss is a serious blemish. Its moat is local relationships and small-business banking, not something wide or unassailable. I do not have CET1, net interest margin, nonperforming loan, charge-off, reserve, or deposit-cost data, so I cannot properly judge underwriting or balance-sheet strength. Revenue growth is 4.19% and profit growth is 23.53% in the supplied data, but the current loss and weak FairStock score of 29/100 tell me the near-term picture is uncertain.

In plain English: Coastal Financial is a bank holding company for Coastal Community Bank, serving people and small businesses around Puget Sound, Washington. It made steady profits in recent full years, but the latest quarter showed a large loss, so the business looks under pressure right now. At the current price, the stock looks roughly fair to a bit expensive compared with the bank’s accounting value, and the loss makes the earnings picture hard to read.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer