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CCBCoastal Financial CorporationSell5.6·$71.99+0.94%
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Coastal Financial Corporation (CCB) Stock Analysis

Recovery setup

SellVALUE-TRAP 1/5Moderate Confidence

Financial Services · Banks - Regional

Sell if holding. Multiple concerning factors at $71.99: Consecutive earnings misses (3); Below 200-MA, MA slope -4.5%/30d (confirmed downtrend).

Coastal Financial Corporation operates as the bank holding company for Coastal Community Bank that provides various banking products and services to consumers and small and medium-sized businesses in the Puget Sound region in Washington. It accepts a range of deposit products,... Read more

$71.99+25.4% A.UpsideScore 5.6/10#104 of 142 Banks - Regional
QualityF-score8 / 9FCF yield
Stop $67.83Target $90.31(analyst − 15%)A.R:R 4.1:1
Analyst target$106.25+47.6%4 analysts
$90.31our TP
$71.99price
$106.25mean
$120

Sell if holding. Multiple concerning factors at $71.99: Consecutive earnings misses (3); Below 200-MA, MA slope -4.5%/30d (confirmed downtrend). Chart setup: Death cross but MACD improving, RSI 57. Score 5.6/10, moderate confidence.

Passes 8/9 gates (positive momentum, favorable risk/reward ratio, clean insider activity, no SEC red flags, news events none recent, earnings proximity 48d clear, semi cycle peak clear, materials cycle peak clear). Suitability: aggressive.

news + 30-day 8-K events · 5-min refresh

Recent developments

updated 2026-06-12
TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Wed, Jul 29, 202648d to earnings· next earnings call

Thesis

Rewards
Attractive valuation
Analyst upside: 25%
Risks
Consecutive earnings misses (3)
Below 200-MA, MA slope -4.5%/30d (confirmed downtrend)

Key Metrics

P/E (TTM)22.2
P/E (Fwd)10.2
Mkt Cap$1.1B
EV/EBITDA
Profit Mgn13.6%
ROE10.3%
Rev Growth17.0%
Beta0.73
DividendNone
Rating analysts8

Quality Signals

Piotroski F8/9

Options Flow

P/C0.03bullish
IV60%elevated

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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Methodology · Editorial policy & full disclaimer

Rating Breakdown

2 floor-breakers

Technicals below the gate floor. Component breakdown shows what dragged the score down.static

Bollinger
1.2
52w Position
2.0
Support Resistance
2.7

No near-term catalyst priced in. Thesis progression will come from fundamentals grinding, not event reaction.static

Earnings History
0.0
Surprise Avg
0.0
Erm
5.0
Earnings Timing
5.0
Earnings concerns: 1B/3M
GatesDeath cross (50MA < 200MA)Momentum 6.2>=5.5A.R:R 4.1 ≥ 1.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 48d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARRecoverySuitability: Aggressive
RSI
57 · Neutral
20D MA 50D MA 200D MADEATH CROSSSupport $67.50Resistance $73.67

Price Targets

$68
$90
A.Upside+25.4%
A.R:R4.1:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Analyst Consensus

Analysts8
Consensus4.3/5
Avg Target$106

Earnings

B
M
M
M
1/4 beats
Next Earnings2026-07-29 (48d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is CCB stock a buy right now?

Sell if holding. Multiple concerning factors at $71.99: Consecutive earnings misses (3); Below 200-MA, MA slope -4.5%/30d (confirmed downtrend). Chart setup: Death cross but MACD improving, RSI 57. Prior stop was $67.83. Score 5.6/10, moderate confidence.

What is the CCB stock price target?

Take-profit target: $90.31 (+25.4% upside). Prior stop was $67.83. Stop-loss: $67.83.

What are the risks of investing in CCB?

Consecutive earnings misses (3); Below 200-MA, MA slope -4.5%/30d (confirmed downtrend).

Is CCB overvalued or undervalued?

Coastal Financial Corporation trades at a P/E of 22.2 (forward 10.2). TrendMatrix value score: 8.5/10. Verdict: Sell.

What do analysts say about CCB?

8 analysts cover CCB with a consensus score of 4.3/5. Average price target: $106.

What does Coastal Financial Corporation do?Coastal Financial Corporation operates as the bank holding company for Coastal Community Bank that provides various...

Coastal Financial Corporation operates as the bank holding company for Coastal Community Bank that provides various banking products and services to consumers and small and medium-sized businesses in the Puget Sound region in Washington. It accepts a range of deposit products, including demand and savings accounts, time deposits, and money market accounts. The company also offers commercial and industrial loans, such as term loans, commercial lines of credit, capital call lines working capital loans, equipment financing, borrowing base loans, small business administration loans, and other loan products; owner and non-owner-occupied real estate loans, and multi-family residential loans; construction and development loans; residential real estate loans; and consumer and other loans, including automobile, boat and recreational vehicle, and secured term loans, as well as personal lines of credit, including overdraft protection. In addition, it provides remote deposit capture, online and mobile banking, and direct and reciprocal deposit services; and debit cards. Further, the company offers business accounts and cash management services, including business checking and savings accounts, and treasury services, as well as Banking as a Service (BaaS), a platform that allows digital financial service partners to offer their customers banking services. The company was founded in 1997 and is headquartered in Everett, Washington.

Related stocks: NIC (Nicolet Bankshares Inc.) · IFS (Intercorp Financial Services In) · GABC (German American Bancorp, Inc.) · CUBI (Customers Bancorp, Inc) · INTR (Inter & Co. Inc.)
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