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← CockpitCompetitor Analysis › CCB Coastal Financial CorporationOpen in the cockpit ↗

Coastal Financial CorporationCCBCompetitor analysis, valuation and peers

United States · USD·Financials›Regional Banks
Momentum weak 24
Mkt cap
$653M
US dollars, full cap
Free float
85%
of shares outstanding
$/day
$9.39M
20-day average traded
P/B
1.37×
price to book
ROE
-0.8%
delivered
Implied ROE
10.8%
what the price asks
Next earnings
83 days
28 Jan 2027
Close · USD$42.72
1D-1.2%
1W-1.3%
1M+0.1%
3M-12.1%
6M-41.4%
YTD-62.7%
1Y-59.5%
ATR %4.9%
Beta0.85
52w lowhigh64.4% off high

What Coastal Financial does

Employees: 483

Coastal Financial at a glance

Size Coastal Financial (CCB) is a United States Financials company (Regional Banks) with a market value of $653M, the 2535th largest of 3,117 United States companies the cockpit tracks. Shares closed at $42.72 on 6 Nov 2026.

Performance Over six months the shares fell 41.4%, against +12.1% for the median peer and -1.1% for the United States market (cap-weighted) — 2nd lowest of 20 in its peer set.

Growth Revenue grew 9.8% over the last twelve months (peer median +15.1%); the operating margin is -0.8% (peer median 34.9%).

Valuation It trades at 1.37× book value against a peer median of 1.15× (7th most expensive of 21).

Price implies The share price implies a return on equity of about 10.8%; Coastal Financial delivers -0.8%, so the price asks more than the business earns today.

Short interest Short interest is 8.2% of the free float (15 Oct 2026).

Next results Next results expected around 28 Jan 2027 (exchange calendar; dates can move).

Relative performance

507510012511 May 202611 Aug 20266 Nov 2026Peer median 115CCB 60
Six months, rebased to 100: Coastal Financial against the median of its 20 peers (local-currency closes).

Coastal Financial financials

Reported figures in USD; fiscal year ends 2025-12-31. TTM = trailing twelve months.
TTMFY2025FY2024FY2023FY2022
Revenue$734M$662M$705M$527M$317M
Revenue growth—-6%+34%+66%—
Net income-$3.65M$47.0M$45.2M$44.6M$40.6M
Free cash flown/a$246M$250M$185M$64.3M
Capital expendituren/a$8.46M$9.92M$6.47M$2.89M
Total debt$52.4M$53.0M$53.3M$53.9M$52.8M

Quarterly statements and history in the cockpit →

Coastal Financial competitor charts

The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.

Performance: 6-month against 1-month return

-50%0%+50%+100%-40%-20%0%+20%8399MSBIEQUITASBNKOMASPACNB7384IFCAREBHBDCBBANK83958343CCB6-month return →1-month return →
Up and to the right = strong over both horizons. Coastal Financial is the large dot.

Fundamentals: return on equity against price-to-book

0%5%10%15%10×1.50×WCCB8399MSBIEQUITASBNKOMASPACNB7384IFCARERRBIBHBDCBBANKFBIZBCALCWBCMYSPFIS8395CIVB8343CCBReturn on equity →Price / book →
A bank or insurer earning more on its equity usually trades at a higher multiple of book; points far above the trend are priced for more. Coastal Financial is the large dot.

Capital: ROE delivered against the ROE the price implies

0%5%10%15%0%5%10%15%WCCB8399MSBIEQUITASBNKOMASPACNB7384IFCARERRBIBHBDCBBANKFBIZBCALCWBCMYS8395CIVB8343CCBROE delivered →ROE the price implies →
Above the diagonal = the price asks for a higher return on equity than the business earns today. Coastal Financial is the large dot.

Coastal Financial competitors and peer comparison

How Coastal Financial compares with its peers

Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.

Coastal Financial against its 20 peers (data as of 6 Nov 2026)
MeasureCCBPeer medianRank in peer set
1-month return+0.1%+0.6%9th lowest of 21
6-month return-41.4%+12.1%2nd lowest of 20
Return on equity-0.8%10.8%lowest of 21
Price / book1.37×1.15×7th most expensive of 21
ROE the price implies10.8%9.2%6th most demanding of 21
ROE delivered-0.8%10.8%lowest of 21

Peer table

Peer set: Industry: the same industry and sector in any market, nearest in size
CompanyMarketMarket cap6M returnRevenue growthROEPrice / bookImplied ROEDelivered ROE
Coastal Financial CCBUnited States$653M-41%+10%-1%1.37×10.8%-0.8%
West Coast Community Bancorp WCCBUnited States$653Mn/a+6%15%1.62×9.1%15.0%
Bank Of The Ryukyus,Limited 8399.TJapan$655M-3%+19%7%0.68×5.3%6.5%
Midland States Bancorp MSBIUnited States$660M+12%-21%10%1.57×11.0%10.2%
Equitas Small Finance Bank EQUITASBNK.NSIndia$662M-25%+15%11%0.95×15.4%11.4%
Oma Savings Bank OMASP.HEFinland$643M+47%-20%7%0.92×5.0%6.6%
ACNB ACNBUnited States$667M+22%+15%13%1.58×13.1%13.4%
Procrea Holdings,Inc 7384.TJapan$638M-2%+25%2%0.59×4.1%2.4%
Banca IFIS IF.MIItaly$673M-53%+68%13%0.30×5.2%13.0%
Carter Bankshares CAREUnited States$634M+9%+40%28%1.20×8.8%27.5%
Red River Bancshares RRBIUnited States$682M+14%+7%13%1.78×10.0%13.0%
Bar Harbor Bankshares BHBUnited States$688M+17%+16%11%1.28×9.3%10.7%
DCB Bank DCBBANK.NSIndia$688M+8%+10%13%0.94×16.4%13.0%
First Business Financial Services FBIZUnited States$618M+31%+4%15%1.58×11.2%14.9%
California BanCorp BCALUnited States$696M+13%-4%10%1.20×7.5%10.2%
Community West Bancshares CWBCUnited States$705M+8%+23%7%1.17×10.1%6.7%
Mystate MYS.AXAustralia$591M+12%+27%8%1.12×10.2%7.5%
Peoples Financial Services PFISUnited States$723M+22%+4%12%1.37×10.7%11.7%
Bank of Saga 8395.TJapan$589M+10%+16%8%0.72×5.2%8.2%
Civista Bancshares CIVBUnited States$587M+13%+5%11%1.06×8.4%10.9%
Akita Bank 8343.TJapan$731M+107%+29%5%0.61×5.3%5.0%

Questions

Which companies are Coastal Financial's closest peers?
The cockpit's peer set: West Coast Community Bancorp (WCCB), Bank Of The Ryukyus,Limited (8399.T), Midland States Bancorp (MSBI), Equitas Small Finance Bank (EQUITASBNK.NS), Oma Savings Bank (OMASP.HE), ACNB (ACNB), Procrea Holdings,Inc (7384.T), Banca IFIS (IF.MI).
Is Coastal Financial expensive compared with its peers?
On price / book it trades at 1.37× against a peer median of 1.15×, 7th most expensive of 21 in its peer set. The share price implies a return on equity of about 10.8%; Coastal Financial delivers -0.8%, so the price asks more than the business earns today.
How has Coastal Financial stock performed?
Over six months to 6 Nov 2026 the shares returned -41.4% against +12.1% for the median peer; over one year -59.5%.

How these numbers are made. Returns are close-to-close in local currency. Revenue growth and margins are trailing twelve months. Req g is the revenue growth that today's enterprise value requires for seven years at the company's own cost of capital; Delivered g is what it actually grew; the gap is the hurdle (honest precision about ±8 points, so read the ranking more than the decimal). No fair values, price targets or analyst ratings are shown, by design. Method and validation.