Coastal Financial Corporation (CCB)

Price$82.70

Favorite Metrics

Price vs S&P 500 (26W)-28.37%

Price vs S&P 500 (4W)2.52%

Market Capitalization$1.26B

P/E Ratio (Annual)26.81x

All Metrics

P/CF (Annual)4.95x

Book Value / Share (Quarterly)$32.43

P/TBV (Annual)3.56x

Indicated Dividend (Annual)$0.00

Revenue Growth (3Y)58.14%

Cash Flow / Share (Quarterly)$16.26

Price vs S&P 500 (YTD)-31.45%

Net Profit Margin (TTM)11.65%

EPS (TTM)$3.04

10-Day Avg Trading Volume0.14M

EPS Excl Extra (TTM)$3.04

Revenue Growth (5Y)43.02%

EPS (Annual)$3.06

ROI (Annual)8.72%

Net Profit Margin (5Y Avg)18.87%

Cash / Share (Quarterly)$2.25

P/E Basic Excl Extra (TTM)26.81x

Revenue Growth QoQ (YoY)60.08%

EPS Growth (5Y)19.86%

P/E Normalized (Annual)26.81x

ROA (Last FY)0.99%

Revenue Growth TTM (YoY)101.17%

EBITD / Share (TTM)$4.38

ROE (5Y Avg)13.02%

Operating Margin (TTM)14.56%

Cash Flow / Share (Annual)$16.26

P/B Ratio2.57x

P/B Ratio (Quarterly)3.53x

Net Income / Employee (Annual)$0

ROA (TTM)1.04%

EPS Growth QoQ (YoY)-12.67%

EV / EBITDA (TTM)19.30x

EPS Incl Extra (Annual)$3.06

3-Month Avg Trading Volume0.15M

52-Week Price Return1.67%

EV / Free Cash Flow (Annual)5.31x

P/E Incl Extra (TTM)26.81x

Tangible BV / Share (Quarterly)$32.13

P/S Ratio (Annual)1.79x

52-Week High$120.05

EPS Excl Extra (Annual)$3.06

CapEx CAGR (5Y)9.45%

Tangible BV CAGR (5Y)29.95%

26-Week Price Return-19.63%

13-Week Price Return-26.51%

Total Debt / Equity (Annual)0.10x

Enterprise Value$1,307.95

Revenue / Share Growth (5Y)49.59%

Book Value / Share Growth (5Y)22.65%

Pretax Margin (Annual)17.08%

Cash / Share (Annual)$2.49

3-Month Return Std Dev44.50%

Net Income / Employee (TTM)$0

EBITDA CAGR (5Y)27.06%

EBITDA Interim CAGR (5Y)24.54%

ROE (Last FY)9.57%

EPS Basic Excl Extra (Annual)$3.06

P/FCF (TTM)5.12x

EV / Free Cash Flow (TTM)5.31x

Total Debt / Equity (Quarterly)0.10x

EPS Incl Extra (TTM)$3.04

ROI (TTM)9.08%

P/S Ratio (TTM)1.27x

Pretax Margin (5Y Avg)23.75%

Revenue / Share (Annual)$21.94

Tangible BV / Share (Annual)$32.13

Forward P/E15.53x

Free OCF CAGR (5Y)77.53%

Price vs S&P 500 (52W)-33.42%

P/E Ratio (TTM)26.81x

EPS Growth TTM (YoY)-6.51%

Year-to-Date Return-27.31%

5-Day Price Return1.09%

EPS Normalized (Annual)$3.06

ROA (5Y Avg)1.12%

Net Profit Margin (Annual)13.70%

Month-to-Date Return9.45%

Cash Flow / Share (TTM)$3.72

EBITD / Share (Annual)$4.41

EPS Growth (3Y)0.59%

Operating Margin (Annual)17.08%

LT Debt / Equity (Annual)0.10x

P/CF (TTM)4.95x

ROI (5Y Avg)11.35%

P/E Excl Extra (TTM)26.81x

LT Debt / Equity (Quarterly)0.10x

EPS Basic Excl Extra (TTM)$3.04

P/TBV (Quarterly)3.56x

P/B Ratio (Annual)3.53x

Pretax Margin (TTM)14.56%

Book Value / Share (Annual)$32.43

Price vs S&P 500 (13W)-29.37%

Net Margin Growth (5Y)-7.43%

Beta0.86x

P/FCF (Annual)5.12x

Revenue / Share (TTM)$30.67

ROE (TTM)10.01%

52-Week Low$70.72

Analyst Recommendations

Jan 2026

Feb 2026

Mar 2026

Apr 2026

4.22

Industry Peers — State Banks(184)

Symbol	P/B Ratio (Quarterly)	ROE (TTM)	ROA (TTM)	Net Interest Coverage (TTM)	Price
CCBCoastal Financial Corporation	3.53x	10.01%	1.04%	—	$82.70
ITUBItau Unibanco Holding S.A. American Depositary Shares	2.03x	20.76%	1.50%	—	$9.28
BNSBank of Nova Scotia	1.45x	10.41%	0.62%	—	$76.78
BKBank of New York Mellon Corporation	1.83x	12.66%	1.20%	—	$135.37
FITBFifth Third Bancorp	1.23x	8.86%	0.93%	—	$50.98
FITBIFifth Third Bancorp Depositary Shares	1.23x	8.86%	0.93%	—	$25.31
FITBMFifth Third Bancorp Depositary Shares Representing a 1/40th Ownership Interest in a Share of 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M	1.23x	8.86%	0.93%	—	$25.88
FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K	1.23x	8.86%	0.93%	—	$19.50
FITBPFifth Third Bancorp Depositary Shares each representing 1/40th share of Fifth Third 6.00% Non-Cumulative Perpetual Class B Preferred Stock, Series A	1.23x	8.86%	0.93%	—	$24.18
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares)	1.04x	9.84%	0.81%	—	$4.19
BBDOBanco Bradesco S.A. American Depositary Shares (Each representing one Common Share, no par value)	1.04x	9.84%	0.81%	—	$3.73

About

Coastal Financial Corp is a bank holding company with two primary operating segments: Community Bank, which provides traditional banking products and services to consumers and small-to-medium-sized businesses, and CCBX, a Banking as a Service (BaaS) platform that enables broker-dealers and digital financial service providers to offer banking capabilities to their customers. The company generates diversified revenue streams from community banking operations alongside partnership-based BaaS services, supported by a treasury management and administration division.