CCB
Financial ServicesCoastal Financial Corporation · Banks - Regional · $1B
What is Coastal Financial Corporation?
Coastal Financial Corporation is the holding company for Coastal Community Bank, serving small to medium-sized businesses, professionals, and individuals across the Puget Sound region of Washington State. The bank combines traditional community banking with a modern Banking-as-a-Service platform.
Coastal Community Bank generates revenue through a diversified mix of lending and deposit-gathering activities. It extends commercial loans, real estate loans, construction financing, and consumer credit to local borrowers. Alongside its 14 full-service branch network, the company operates a Banking-as-a-Service platform that enables broker-dealers and digital financial providers to offer banking products to their own customers — a channel that broadens the bank's reach well beyond its Pacific Northwest footprint.
Coastal Financial Corporation was founded in 1997 and is headquartered in Everett, Washington.
- Commercial and industrial loans, including SBA and equipment financing
- Owner-occupied and non-owner-occupied real estate lending
- Consumer loans covering auto, boat, and recreational vehicles
- Banking-as-a-Service platform for digital financial providers
- Business cash management and treasury services
Is CCB a Good Stock to Buy?
UQS Score rates CCB as Good overall, reflecting a balanced profile with meaningful strengths and some areas to watch.
The Growth pillar stands out as a clear positive, supported by the bank's expanding Banking-as-a-Service channel alongside its core community lending business. The Risk pillar also registers as Good, suggesting the balance sheet carries a manageable risk profile relative to small-cap bank peers. Valuation is rated Attractive, meaning the market may not yet be fully pricing in the bank's growth trajectory.
The Moat pillar is rated Weak, which is common among community banks that lack the scale or proprietary advantages of larger regional or national institutions. Quality is Neutral, indicating room for improvement in earnings consistency or capital efficiency.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does CCB pay dividends?
No — Coastal Financial Corporation does not currently pay a dividend.
Coastal Financial does not currently pay a dividend. For a growth-oriented community bank with an expanding Banking-as-a-Service operation, retaining capital to fund loan growth and platform investment is a common and rational choice. Investors seeking income may want to weigh this against the bank's growth profile before investing.
When does CCB report earnings?
Coastal Financial Corporation reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
The bank's quarterly results reflect activity across both its traditional community lending book and its BaaS platform, which can introduce variability in deposit flows and fee income. Trends in loan growth, credit quality, and BaaS partner activity are the key metrics to track each quarter.
For the most recent quarter's results, visit Coastal Financial Corporation's investor relations page directly.
CCB Price History
+163.1% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Coastal Financial Corporation?
Based on Coastal Financial Corporation's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
CCB Long-term Outlook
CCB's Good Growth pillar suggests the business has meaningful expansion potential, driven primarily by its Banking-as-a-Service platform and continued penetration of the Puget Sound commercial lending market. The Good Risk pillar indicates the bank is managing credit and operational exposures at a level appropriate for its size. However, the Weak Moat pillar is a reminder that community banks face persistent competitive pressure from larger institutions and fintech entrants, which could weigh on long-term pricing power.
Growth drivers
- Expansion of the Banking-as-a-Service platform to new digital finance partners
- Continued commercial loan growth in the Puget Sound region
- Diversified deposit products supporting stable funding costs
Key risks
- Limited competitive moat relative to larger regional banks and fintech platforms
- Interest rate sensitivity affecting net interest margin in community banking
- Concentration risk in a single geographic market
CCB vs Peers
Within the small-cap community and regional banking space, CCB competes alongside several peers with distinct business focuses.
AGBK operates as a community bank with a more traditional deposit and lending focus, without the BaaS platform differentiation that CCB has developed.
Amalgamated targets mission-driven and socially conscious depositors, giving it a distinct customer base compared to CCB's small business and professional clientele.
Tompkins operates across banking, insurance, and wealth management in the northeastern US, offering broader financial services than CCB's Pacific Northwest banking model.
Frequently Asked Questions
What does Coastal Financial Corporation do?
Coastal Financial Corporation is the holding company for Coastal Community Bank, which provides lending, deposit, and cash management services to small and medium-sized businesses and individuals in Washington's Puget Sound region. The company also operates a Banking-as-a-Service platform that lets digital financial providers offer banking products to their own customers.
Does CCB pay dividends?
No, Coastal Financial does not currently pay a dividend. The company appears to prioritize reinvesting capital into loan growth and its Banking-as-a-Service platform rather than returning cash to shareholders through distributions.
When does CCB report earnings?
Coastal Financial reports on a quarterly cadence, as is standard for US-listed bank holding companies. For exact dates and the most recent results, check the investor relations section of the company's official website.
Is CCB a good stock to buy?
UQS Score rates CCB as Good overall. The Growth and Risk pillars are both rated Good, and Valuation is Attractive. The Moat pillar is Weak, which is a common characteristic among community banks. Whether CCB fits your portfolio depends on your own investment criteria — the full pillar breakdown is available to UQS Pro members.
Is CCB overvalued?
The UQS Valuation pillar for CCB is rated Attractive, suggesting the stock may be reasonably priced or even undervalued relative to its fundamentals when compared to sector peers. View the complete valuation analysis by signing up for a Pro account.
How does CCB compare to its competitors?
CCB differentiates itself from peers like Amalgamated Financial and Tompkins Financial through its Banking-as-a-Service platform, which extends its reach beyond traditional branch banking. Most direct community bank competitors lack this technology-enabled revenue channel, which contributes to CCB's Good Growth pillar rating.
What is CCB's market cap bracket?
Coastal Financial Corporation is classified as a small-cap company. This places it in a segment of the market that can offer higher growth potential than large-cap banks but typically carries more volatility and less analyst coverage.
Who founded Coastal Financial Corporation?
Coastal Financial Corporation was founded in 1997 and is headquartered in Everett, Washington. For detailed founding history and leadership information, the company's official website and SEC filings are the most reliable sources.
Is CCB a long-term quality stock?
As a long-term quality indicator, CCB's UQS profile shows Good Growth and Good Risk, which are constructive signals for durability. The Weak Moat rating is worth monitoring, as sustained competitive advantage is a key driver of long-term value creation in banking. Pro members can access the full multi-pillar view.
What is the main competitive advantage of Coastal Financial?
CCB's most distinctive feature is its Banking-as-a-Service platform, which allows broker-dealers and digital financial companies to offer banking services to their clients. This channel diversifies the bank's revenue and deposit base beyond its 14-branch Pacific Northwest network, setting it apart from purely traditional community banks.
What sector does CCB belong to?
Coastal Financial Corporation operates in the Financial Services sector, specifically within community and regional banking. Its BaaS operations also give it exposure to the fintech-adjacent banking infrastructure space, which is a growing area within financial services.
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Pro Analysis
CCB — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 23, 2026 | 54.0 | 52.6 | 21.0 | 57.7 | 72.7 | 87.4 | 0.0 |
| May 22, 2026 | 54.0 | 52.6 | 21.0 | 57.7 | 72.7 | 87.3 | +0.1 |
| May 21, 2026 | 53.9 | 52.6 | 21.0 | 57.7 | 72.7 | 87.1 | 0.0 |
| May 19, 2026 | 53.9 | 52.6 | 21.0 | 57.7 | 72.7 | 87.2 | -0.1 |
| May 16, 2026 | 54.0 | 52.6 | 21.0 | 57.7 | 72.7 | 87.4 | +0.1 |
| May 13, 2026 | 53.9 | 52.6 | 21.0 | 57.7 | 72.7 | 87.0 | 0.0 |
| May 12, 2026 | 53.9 | 52.6 | 21.0 | 57.7 | 72.7 | 86.8 | +0.2 |
| May 11, 2026 | 53.7 | 52.6 | 21.0 | 57.7 | 72.7 | 85.8 | +0.7 |
| May 10, 2026 | 53.0 | 52.6 | 21.0 | 57.7 | 72.7 | 81.1 | +3.5 |
| May 9, 2026 | 49.5 | 52.6 | 21.0 | 39.7 | 72.7 | 81.4 | -3.9 |
CCB — Pillar Breakdown
Quality
— 52.6/100 (25%)Coastal Financial Corporation has average quality metrics, with room for improvement in margins or capital efficiency.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 57.7/100 (20%)Coastal Financial Corporation demonstrates healthy growth trends across revenue and earnings.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 72.7/100 (15%)Coastal Financial Corporation maintains a reasonable risk profile with manageable debt levels.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 86.6/100 (15%)Coastal Financial Corporation appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 21/100 (25%)Coastal Financial Corporation operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for CCB.
Score Composition
Financial Data
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How is the CCB UQS Score Calculated?
The UQS (Unified Quality Score) for Coastal Financial Corporation is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Coastal Financial Corporation's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Coastal Financial Corporation is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.