Stock Fundamentals

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: 496
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

Directors & Officers

Name Title Year Born
Mr. Eric M. Sprink CEO & Director 1973
Mr. Brandon J. Soto CPA Executive VP, Corporate Secretary & CFO 1975
Mr. Brian T. 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
Ms. Tarah M. Herger Executive VP & CCBX Division Manager 1986

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

Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
T. Rowe Price Investment Management,Inc. 1.28M Mar 31, 2026 8.37% $0.07 -27.54%
BlackRock Inc 973.86K Mar 31, 2026 6.39% $0.00 -1.11%
Vanguard Group Inc 784.23K Dec 31, 2025 5.15% $0.00 2.38%
Azora Capital LP 658.62K Mar 31, 2026 4.32% $3.30 6.53%
State Street Corp 554.96K Mar 31, 2026 3.64% $0.00 25.32%
Cooper Creek Partners Management LLC 450.13K Mar 31, 2026 2.95% $1.17 104.98%
Wellington Management Company LLP 447.43K Mar 31, 2026 2.94% $0.01 -4.16%
American Century Companies Inc 418.67K Mar 31, 2026 2.75% $0.02 -22.54%
FMR Inc 370.76K Mar 31, 2026 2.43% $0.00 0.20%
Dimensional Fund Advisors, Inc. 359.57K Mar 31, 2026 2.36% $0.01 7.61%
Manufacturers Life Insurance Co 337.82K Mar 31, 2026 2.22% $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 2.10% $0.00 -1.96%
Loomis, Sayles & Company LP 304.79K Mar 31, 2026 2.00% $0.03 -7.70%
Endeavour Capital Advisors Inc 273.60K Mar 31, 2026 1.80% $4.72 68.97%
UBS Asset Mgmt Americas Inc 268.69K Mar 31, 2026 1.76% $0.00 65.67%
Emerald Advisers, LLC 221.18K Mar 31, 2026 1.45% $0.53 44.80%
GW&K Investment Management, LLC 181.99K Mar 31, 2026 1.19% $0.12 -8.01%
UBS Group AG 159.71K Mar 31, 2026 1.05% $0.00 31.17%
Kennedy Capital Management Inc 158.76K Mar 31, 2026 1.04% $0.26 -5.96%

Shares Statistics

Shares Outstanding: 15.25M
Shares Float: 13.19M
% Insiders: 1,543.00%
% Institutions: 8,640.60%
Short % Float: 10.75%

Fund Holdings

Rank Holder Name Shares Held % of Shares Change Date Reported
1 T. Rowe Price Small-Cap Value 692.82K 4.55% ▲ 0.00% Mar 31, 2026
2 T. Rowe Price U.S. SC Value Eq Tr-D 443.59K 2.91% ▲ 1.59% Mar 31, 2026
3 Vanguard Total Stock Mkt Idx Inv 403.11K 2.64% ▲ 0.00% Apr 30, 2026
4 iShares Russell 2000 ETF 301.74K 1.98% ▲ 0.85% Apr 30, 2026
5 American Century U.S. Small Cap Growth 300.04K 1.97% ▼ 1.96% Mar 31, 2026
6 American Century Small Cap Growth Inv 300.04K 1.97% ▼ 1.96% Mar 31, 2026
7 Fidelity VIP Mid Cap Initial 286.30K 1.88% ▲ 0.00% Mar 31, 2026
8 State Street® SPDR® S&PRgnllBkgETF 261.63K 1.72% ▼ 0.91% Apr 30, 2026
9 Loomis Sayles Small Cap Growth Instl 170.52K 1.12% ▼ 1.77% Mar 31, 2026
10 JHancock Regional Bank A 155.62K 1.02% ▲ 0.00% Mar 31, 2026

Valuation Metrics

Enterprise Value: $-364.96M
Trailing P/E: 22.02
Forward P/E: 17.79

Financial Highlights

Market Cap: $1.08B
P/E Ratio: $22.02
Book Value: $33.05
Earnings/Share: $3.21
Profit Margin: 13.56%
Operating Margin: 15.46%
ROA (TTM): 0.99%
ROE (TTM): 10.34%
Revenue (TTM): $363.32M
Revenue/Share (TTM): $24.05
Earnings Growth (YOY): 23.80%
Revenue Growth (YOY): 17.00%

Stock Price History

1 Year Price History

2 Years Price History

5 Years Price History

10 Years Price History

Financial Charts

Revenue & Net Income (Yearly)

Revenue & Net Income (Quarterly)

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Earnings Per Share (EPS) History

Financial Ratios

Balance Sheet (Yearly)

Financial Ratios

Date Current Ratio Debt/Equity Debt/Assets Interest Coverage Debt/EBITDA
2025-12-31 728.91x 0.11x 0.90x 0.51x 0.87x
2024-12-31 0.13x 0.11x 0.89x 0.46x 0.79x
2023-12-31 0.18x 0.17x 0.92x 0.62x 0.85x
2022-12-31 0.16x 0.20x 0.92x 2.48x 0.92x
2021-12-31 0.36x 0.27x 0.92x 9.43x 1.49x
2020-12-31 1.25x 1.19x 0.92x 3.39x 8.16x
2019-12-31 0.16x 0.26x 0.89x 2.53x 1.80x
2018-12-31 0.21x 0.31x 0.89x 3.12x 2.52x
2017-12-31 565.58x 1.02x 0.92x 3.51x 6.06x
2016-12-31 543.79x 0.95x 0.92x 2.96x 6.83x
2014-12-31 47.25x 0.37x 0.90x N/A -20.80x
2013-12-31 37.83x 0.48x 0.91x N/A -42.81x

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