Coastal Financial Corp/WA (CCB)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$50.33+2.32%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · CCB
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Grow the Banking-as-a-Service (BaaS) segment by acquiring assets and deposits from other banks and expanding partner relationships.
Stated as a priority in 2 of last 2 quarters. Loans receivable grew from $3.86B in 2026-Q1 to $4.21B in 2026-Q2 (+9.0%), reflecting growth in BaaS programs and partner expansion. Management's acquisition plans and partner onboarding align with this growth trajectory, delivering on the stated priority.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated strong grew net income 67% of the time over the next year (vs 56% for the rest of the cohort, n=7680).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“Bank may acquire the assets and deposits of Evolve Bank & Trust's BaaS programs.”
“CCBX segment continued to expand product offerings with existing partners and onboarding new partners.”
Continue scaling existing BaaS programs and introduce new products such as lines of credit, deposit programs, and credit cards to drive revenue growth.
Stated in 2 of last 2 quarters. BaaS program income grew by $1.1M (10.3%) and loans receivable increased by $348.9M (9.0%) from 2026-Q1 to 2026-Q2, driven by product expansion and scaling partner programs. The financials show delivering progress consistent with management's stated growth focus.
“Eight partner programs expanding to include new products such as lines of credit, deposit programs, credit cards, and other lending products.”
“Growth to continue as current programs scale, new products are introduced, and experience leveraged in BaaS space.”
Maintain strong credit quality through comprehensive risk assessments and portfolio monitoring while optimizing loan portfolio composition.
Stated in 2 of last 2 quarters. Credit quality metrics improved with annualized net charge-offs down from 10.84% in 2025-Q2 to 8.73% in 2026-Q2 (-20% YoY) and total delinquencies slightly decreased. Management's ongoing risk governance and portfolio monitoring show delivering progress on credit quality and portfolio optimization.
“Comprehensive counterparty risk assessments and portfolio monitoring ensure risks remain within established limits.”
“Focus on credit quality as portfolios mature and operating in a safe and sound manner.”
Invest in digital payment rails, AI, automation, data platform modernization, and partner experience to support scalable, compliant growth.
Newly stated in 2026-Q2. Management detailed technology investments to enhance partner experience and support growth. While no direct financial metrics are cited, these initiatives align with the company's strategic growth focus and support scalable operations.
“Continued build-out of digital payment rails, AI and automation, data platform modernization, and partner experience investments.”
Maintain discipline on noninterest expenses despite investments in technology and risk management to support profitability.
Stated in 2 of last 2 quarters. Noninterest expenses rose from $72.8M in 2026-Q1 to $83.5M in 2026-Q2, driven by legal, professional, and technology investments, partially offset by staffing discipline. Management continues to emphasize expense control amid growth, but expenses increased, indicating mixed progress.
“Noninterest expenses higher due to legal, professional, and BaaS loan expenses, partially mitigated by staffing discipline.”
“Investments in technology and risk management increased expenses, offset by reduced full-time equivalent employees.”
Over the trailing year it converted 6.88x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 56% for the rest of the cohort, n=6844).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, Fed net liquidity, long-term interest rates, real (inflation-adjusted) rates (low R² over the window).
12 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated neutral grew net income 56% of the time over the next year (vs 58% for the rest of the cohort, n=3751).
Not investment advice. As of 2026-09-04.