Coastal Financial (CCB) Stock Price, News & Analysis

Company Overview

Coastal Financial Corp. (NASDAQ: CCB) is the bank holding company for First Federal Bank of Florida, a full‐service community bank headquartered in Fort Pierce, Florida. Through its network of branches across southeastern Florida, the company offers a comprehensive suite of banking products and services tailored to individuals, small businesses, and commercial clients. Core offerings include deposit accounts, mortgage and consumer loans, commercial real estate financing, and treasury management solutions.

First Federal Bank of Florida serves both retail and institutional customers, providing online and mobile banking platforms alongside traditional branch services. Personal banking customers can choose from checking and savings accounts, certificates of deposit, and home equity lines of credit. Business clients benefit from customized lending programs, merchant services, and business deposit accounts designed to support operating, expansion, and cash‐flow needs. Wealth management services, including trust and investment advisory, are also available to high‐net‐worth clients in partnership with established third‐party asset managers.

Founded in 1949, First Federal Bank of Florida has deep roots in the regional economy, with Coastal Financial Corp. established as its bank holding company in 2017. Over the decades, the institution has expanded its footprint across Indian River, St. Lucie, Martin and Okeechobee counties, focusing on relationship banking and community engagement. The bank maintains strong ties to the local real estate market, agribusiness sector and tourism-driven economy through targeted lending and deposit initiatives.

Coastal Financial’s leadership team comprises seasoned banking professionals with decades of experience in community finance and regional economic development. The board of directors and executive officers bring expertise in credit risk management, retail banking operations, and regulatory compliance. This leadership group actively engages with local businesses, government agencies and nonprofit organizations to support economic growth and financial inclusion across the company’s service area.

Key Stats

• Today's Range: $101.80 to $103.50
• 50-Day Range: $79.14 to $104.04
• 52-Week Range: $45.92 to $106.38
• Volume: 19,642 shs
• Average Volume: 102,936 shs
• Market Capitalization: $1.55 billion
• P/E Ratio: 30.50
• Dividend Yield: N/A
• Price Target: $106.25
• Consensus Rating: Buy

Coastal Financial Stock Analysis - MarketRank™

Coastal Financial scored higher than 69% of companies evaluated by MarketBeat, and ranked 435th out of 933 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 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 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 30.50, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 26.21.

Price to Earnings Ratio vs. Sector

The P/E ratio of Coastal Financial is 30.50, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 19.23.

Price to Book Value per Share Ratio

Coastal Financial has a P/B Ratio of 3.18. 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

6.10% of the float of Coastal Financial has 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 12.20%, 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

6.10% of the float of Coastal Financial has 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 12.20%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.9 / 5
• News Sentiment: 1.30

News Sentiment

Coastal Financial has a news sentiment score of 1.30. 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 0.95 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 9 news articles for Coastal Financial this week, compared to 3 articles on an average week.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Coastal Financial insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $403,152.00 in 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 stock has increased by 21.4% and is now trading at $103.08.

How were Coastal Financial's earnings last quarter?

Coastal Financial Corporation (NASDAQ:CCB) released its earnings results on Tuesday, April, 29th. The company reported $0.63 earnings per share (EPS) for the quarter, missing the consensus estimate of $0.93 by $0.30. The business earned $139.54 million during the quarter, compared to analyst estimates of $158.65 million. Coastal Financial had a trailing twelve-month return on equity of 12.53% and a net margin of 6.94%.

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?

Top institutional shareholders of Coastal Financial include First Bank & Trust (0.09%). 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: 4/29/2025
• Today: 7/14/2025
• Next Earnings (Estimated): 8/04/2025
• 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: $106.25
• High Price Target: $115.00
• Low Price Target: $100.00
• Potential Upside/Downside: +4.6%
• Consensus Rating: Buy
• Rating Score (0-4): 3.25
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $3.38
• Trailing P/E Ratio: 30.05
• Forward P/E Ratio: 22.13
• P/E Growth: N/A
• Net Income: $45.22 million
• Net Margins: 6.94%
• Pretax Margin: 8.70%
• Return on Equity: 12.53%
• Return on Assets: 1.17%

Debt

• Debt-to-Equity Ratio: 0.11
• Current Ratio: 1.06
• Quick Ratio: 1.04

Sales & Book Value

• Annual Sales: $703.32 million
• Price / Sales: 2.17
• Cash Flow: $3.85 per share
• Price / Cash Flow: 26.39
• Book Value: $32.39 per share
• Price / Book: 3.14

Miscellaneous

• Outstanding Shares: 15,030,000
• Free Float: 12,907,000
• Market Cap: $1.53 billion
• Optionable: Not Optionable
• Beta: 0.96