Coastal Financial Corp (CCB) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Coastal Financial Corp stock (CCB) is currently trading at $76.15. Coastal Financial Corp PE ratio is 24.30. Coastal Financial Corp PS ratio (Price-to-Sales) is 3.24. Analyst consensus price target for CCB is $131.60. WallStSmart rates CCB as Underperform.
- CCB PE ratio analysis and historical PE chart
- CCB PS ratio (Price-to-Sales) history and trend
- CCB intrinsic value — DCF, Graham Number, EPV models
- CCB stock price prediction 2025 2026 2027 2028 2029 2030
- CCB fair value vs current price
- CCB insider transactions and insider buying
- Is CCB undervalued or overvalued?
- Coastal Financial Corp financial analysis — revenue, earnings, cash flow
- CCB Piotroski F-Score and Altman Z-Score
- CCB analyst price target and Smart Rating
Coastal Financial Corp
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CCB Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Coastal Financial Corp (CCB)
CCB trades 321% above its Graham fair value of $20.81, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Coastal Financial Corp (CCB) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, institutional own.. Concerns around eps growth. Mixed signals suggest waiting for clearer direction before acting.
Coastal Financial Corp (CCB) Key Strengths (2)
85.26% of shares held by major funds and institutions
Strong operational efficiency: $20 kept per $100 revenue
Supporting Valuation Data
Coastal Financial Corp (CCB) Areas to Watch (7)
Earnings declining -12.40%, profits shrinking
Modest revenue growth at 6.40%
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Revenue is fairly priced at 3.24x sales
Fairly priced relative to book value
Decent profitability, keeps $14 per $100 revenue
Coastal Financial Corp (CCB) Detailed Analysis Report
Overall Assessment
This company scores 49/100 in our Smart Analysis, earning a D+ grade. Out of 9 metrics analyzed, 2 register as strengths (avg 9.0/10) while 7 fall into concern territory (avg 4.6/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Institutional Own., Operating Margin. Profitability is solid with Operating Margin at 20.00%.
The Bear Case
The primary concerns are EPS Growth, Revenue Growth, Market Cap. Some valuation metrics including Price/Sales (3.24), Price/Book (2.31) suggest expensive pricing. Growth concerns include Revenue Growth at 6.40%, EPS Growth at -12.40%, which may limit upside. Profitability pressure is visible in Return on Equity at 10.10%, Profit Margin at 13.50%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 10.10% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 6.40% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a higher risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. EPS Growth and Revenue Growth are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
CCB Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
CCB's Price-to-Sales ratio of 3.24x trades 25% below its historical average of 4.33x (37th percentile). The current valuation is 66% below its historical high of 9.48x set in Nov 2021, and 91% above its historical low of 1.7x in Feb 2026. Over the past 12 months, the PS ratio has expanded from ~2.4x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for Coastal Financial Corp (CCB) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Coastal Financial Corp operates as a stable business with moderate growth and solid fundamentals. Revenue reached 349M with 6% growth year-over-year. Profit margins of 13.5% are healthy, with room for further expansion as the business scales.
Key Findings
Generating 56M in free cash flow and 58M in operating cash flow. Earnings are translating into actual cash generation.
Debt-to-equity ratio of 0.01 indicates a conservative balance sheet with 34M in cash.
What to Watch Next
Margin expansion: can Coastal Financial Corp push profit margins above 15% as the business scales?
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Coastal Financial Corp.
Bottom Line
Coastal Financial Corp offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Coastal Financial Corp(CCB)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Coastal Financial Corporation is the banking holding company for Coastal Community Bank offering various banking products and services to small and medium-sized businesses, professionals and individuals in the Puget Sound region of Washington. The company is headquartered in Everett, Washington.