CCB

Coastal Financial Corp

CCB.US coastalbank.com
47.46
-0.59 (-1.23%)
USD · NASDAQ
52-week range
36.61
120.05
Trading at 13% of the 52-week range
Market Cap
725.49M
P/E Ratio
0.00
Forward P/E
16.72
Book Value
30.33
Div. Yield
N/A
% Institutions
85.07%
% Insiders
15.30%

1 Year

-57.4%

3 Year

+10.0%

10 Year

+189.4%
Description

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.

Company Information

Company Name
Coastal Financial Corp
Sector
Financial Services
Industry
Banks - Regional
Exchange
NASDAQ
ISIN: US19046P2092
CIK: 0001437958
CUSIP: 19046P209
Currency: USD
Full Time Employees: 483
Phone: 425 257 9000
Fiscal Year End: December
IPO Date: Jul 18, 2018
Description:

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.

Address:

5415 Evergreen Way, Everett, WA, United States, 98203

People

Directors & Officers

Name Title Year Born
Mr. Christopher D. Adams Executive Chairman of the Board 1980
Mr. Eric M. Sprink CEO & Director 1973
Mr. Joel G. Edwards CFO & Corporate Secretary 1960
Mr. Brian Thomas Hamilton President of CCBX Division & Director 1978
Ms. Elizabeth Ann Sarvela Chief Risk and Compliance Officer 1981
Ms. Erika Heer Executive VP & Chief Human Resources Officer NA
Mr. Russell A. Keithley Executive VP & Chief Banking Officer 1966
Mr. Michael E. Culp Executive VP & Chief Revenue Officer 1989
Mr. Brian L. Ferrell Executive VP & Head of Financial Crimes Compliance 1962
Mr. Bill Rhodes Executive VP & Chief Audit Executive NA

Insider Trading

Date Insider Name Title Transaction Type Shares Price Value
Jan 26, 2026 Joel G Edwards N/A Sale 1.30K $111.34 $144.74K
Jan 22, 2026 Eric M Sprink N/A Sale 4.00K $116.01 $464.04K
Jan 21, 2026 Eric M Sprink N/A Sale 8.40K $114.27 $960.10K
Jan 16, 2026 Eric M Sprink N/A Sale 3.00K $114.15 $342.45K
Jan 15, 2026 Eric M Sprink N/A Sale 4.36K $114.51 $498.81K
Jan 09, 2026 Eric M Sprink N/A Sale 4.00K $118.88 $475.52K
Jan 07, 2026 Eric M Sprink N/A Sale 3.00K $117.60 $352.80K
Jan 06, 2026 Eric M Sprink N/A Sale 8.00K $116.35 $930.80K
Jan 05, 2026 Eric M Sprink N/A Sale 8.78K $114.95 $1.01M
Jan 02, 2026 Eric M Sprink N/A Sale 8.35K $113.73 $949.53K
Dec 10, 2025 Steven D Hovde N/A Sale 3.00K $117.25 $351.75K
Dec 09, 2025 Steven D Hovde N/A Sale 1.50K $115.50 $173.25K
Dec 08, 2025 Steven D Hovde N/A Sale 3.00K $114.00 $342.00K
Dec 05, 2025 Steven D Hovde N/A Sale 2.61K $112.19 $292.93K
Sep 18, 2025 Eric M Sprink N/A Sale 10.68K $114.65 $1.22M
Sep 18, 2025 Joel G Edwards N/A Sale 9.43K $114.67 $1.08M
Sep 17, 2025 Eric M Sprink N/A Sale 5.00K $110.21 $551.05K
Sep 17, 2025 Joel G Edwards N/A Sale 5.00K $110.05 $550.25K
Sep 16, 2025 Eric M Sprink N/A Sale 4.00K $107.90 $431.60K
Sep 16, 2025 Joel G Edwards N/A Sale 4.00K $107.90 $431.60K

Shareholders

Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
T. Rowe Price Investment Management,Inc. 1.28M Mar 31, 2026 8.34% $0.07 -27.54%
BlackRock Inc 973.86K Mar 31, 2026 6.37% $0.00 -1.11%
Vanguard Capital Management, LLC 562.22K Mar 31, 2026 3.68% $0.00 0.00%
State Street Corp 554.96K Mar 31, 2026 3.63% $0.00 25.32%
Azora Capital LP 457.33K Jun 30, 2026 2.99% $1.49 -30.56%
Cooper Creek Partners Management LLC 450.13K Mar 31, 2026 2.94% $1.17 104.98%
Endeavour Capital Advisors Inc 429.70K Jun 30, 2026 2.81% $6.84 57.05%
American Century Companies Inc 420.24K Jun 30, 2026 2.75% $0.01 0.37%
Dimensional Fund Advisors, Inc. 372.28K Jun 30, 2026 2.44% $0.01 3.53%
FMR Inc 370.76K Mar 31, 2026 2.43% $0.00 0.20%
Wellington Management Company LLP 360.92K Jun 30, 2026 2.36% $0.00 -19.34%
Manufacturers Life Insurance Co 337.82K Mar 31, 2026 2.21% $0.02 1.38%
Westwood Holdings Group Inc 331.36K Mar 31, 2026 2.17% $0.18 -1.69%
Geode Capital Management, LLC 319.53K Mar 31, 2026 2.09% $0.00 -1.96%
Loomis, Sayles & Company LP 284.47K Jun 30, 2026 1.86% $0.03 -6.67%
UBS Asset Mgmt Americas Inc 268.69K Mar 31, 2026 1.76% $0.00 65.67%
Citadel Advisors Llc 235.22K Jun 30, 2026 1.54% $0.00 328.58%
Emerald Advisers, LLC 216.33K Jun 30, 2026 1.42% $0.39 -2.19%
GW&K Investment Management, LLC 181.99K Mar 31, 2026 1.19% $0.12 -8.01%
Kennedy Capital Management Inc 168.28K Jun 30, 2026 1.10% $0.23 6.00%

Fund Holdings

Rank Holder Name Shares Held % of Shares Change Date Reported
1 T. Rowe Price Small-Cap Value 713.94K 4.67% ▼ 2.01% Jul 31, 2026
2 T. Rowe Price U.S. SC Value Eq Tr-D 475.71K 3.11% ▲ 7.24% Jun 30, 2026
3 Vanguard MStar Total Stk Mkt Idx Invest 410.11K 2.68% ▲ 0.00% Jul 31, 2026
4 iShares Russell 2000 ETF 340.33K 2.23% ▼ 0.57% Aug 31, 2026
5 American Century Small Cap Growth Inv 300.04K 1.96% ▲ 0.00% Jun 30, 2026
6 American Century U.S. Small Cap Growth 300.04K 1.96% ▲ 0.00% Jun 30, 2026
7 Fidelity VIP Mid Cap Initial 286.30K 1.87% ▲ 0.00% Jul 31, 2026
8 State Street® SPDR® S&PRgnllBkgETF 223.04K 1.46% ▼ 3.37% Aug 31, 2026
9 Jupiter Merian Glb Eq Abs Rt I USD Acc 165.28K 1.08% ▲ 0.00% Jun 30, 2026
10 JHancock Regional Bank A 155.62K 1.02% ▲ 0.00% Jul 31, 2026

Financial Highlights

Market Cap: $725.49M
Book Value: $30.33
Earnings/Share: $-0.28
Profit Margin: -1.06%
Operating Margin: -63.28%
ROA (TTM): -0.08%
ROE (TTM): -0.83%
Revenue (TTM): $362.02M
Revenue/Share (TTM): $23.88
Earnings Growth (YOY): 23.80%
Revenue Growth (YOY): -1.50%

Valuation Metrics

Enterprise Value: $-230.32M
Trailing P/E: 0.00
Forward P/E: 16.72

Shares Statistics

Shares Outstanding: 15.29M
Shares Float: 13.18M
% Insiders: 15.30%
% Institutions: 85.07%
Short % Float: 8.24%

Stock Price History

1 Year Price History

3 Years Price History

10 Years Price History

Financial Charts

Revenue, Net Income & Operating Cash Flow (Yearly)

Revenue, Net Income & Operating Cash Flow (Quarterly)

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Income Statement Waterfall

Open full waterfall
Line Item
Step Type
Value
Revenue
adjust
$661.23M
Cost of Goods Sold
adjust
$-312.18M
Gross Profit
subtotal
$349.04M
SG&A
adjust
$-92.42M
Other Operating Expense
adjust
$-195.37M
Operating Income
subtotal
$61.25M
Other / Non-Operating Items
adjust
$-14.25M
Net Income
subtotal
$46.99M

Earnings Per Share (EPS) History

Financial Ratios

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