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
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance recently climbed back into the top half of its industry — confirming the recovery.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -35.9% |
| Our one-year growth estimate | diamond | 47.2% |
Growth built into the price is above our model estimate.
The price assumes 83.2 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Worth watching into the next print: this name has been missing across recent quarters and is on a run of consecutive earnings misses. A fundamental tilt, not a price call.
Model as of 2026-09-04 · Compared with 219 industry peers · Company calendar date is not available
CCB — earnings miss
Dated 2026-07-30
Results of Operations and Financial Condition On July 30, 2026, Coastal Financial Corporation (the “Company”) issued a press release announcing its results of operations and financial condition for the fiscal quarter ended June 30, 2026 (the “Press Release”). As previously announced, the Company will host an earnings call at 8:00 a.m. ET (5:00 a.m. PT) on July 30, 2026. The Press Release is “furnished” as Exhibit 99.1 to this Current Report on Form 8-K pursuant to General Instruction B.2 of F…
Why it matters: Sustaining revenue growth is crucial for Coastal's long-term success. It indicates effective scaling and new products.
Worry ifRevenue grew over 8% in Q2 compared to last year. This helps management grow.
Less concerning ifQ2 revenue growth drops below 5% year over year, signaling potential issues in scaling.
Why it matters: Changes in leadership can change company strategy. This can affect how well the company does.
Watch forNew Executive Chair Christopher D. Adams shares good news.
Also watch forLeadership changes might lead to bad news or lower performance.
Why it matters: Successful onboarding of new partners can drive future revenue and growth.
Supportive ifAt least two new partners reach active status in the next quarter.
Worry ifNo new partners reach active status, indicating stalled growth.
Why it matters: If Coastal's revenue growth slows, it may signal broader issues in the financial sector. This could affect investor confidence.
Worry ifCoastal's revenue growth is still over 15% compared to last year.
Less concerning ifRevenue growth drops below 15% year-over-year.
Why it matters: The acquisition could expand Coastal's BaaS programs and improve growth. This is key for future revenue.
Supportive ifA formal announcement will confirm the acquisition. It will also show how it helps revenue growth.
Worry ifThere are no new updates or delays in the acquisition process.
Why it matters: The acquisition could enhance Coastal's BaaS offerings and drive growth. Investors will monitor progress on this front.
Supportive ifThe final deal on the acquisition is done. This expands BaaS capabilities.
Worry ifAcquisition talks may stall or fail. This would limit growth opportunities.
Why it matters: Brandon Soto's exit may change financial plans. Investors want stability during this time.
Worry ifInterim CFO Joel Edwards keeps financial performance strong. This helps maintain investor confidence.
Less concerning ifFinancial performance may decline. Investor feelings may also get worse after the change.
Why it matters: Ongoing credit losses may show bigger problems with the partner. This can hurt overall performance.
Worry ifMore credit loss provisions over $22.8 million for the same partner are expected soon.
Less concerning ifNo new credit loss provisions for the partner show signs of stabilization.
Why it matters: A drop below this level could signal a slowdown in the financial sector's growth.
Worry ifSector revenue growth reported below 15% year over year.
Less concerning ifSector revenue growth remains above 15% year over year.
Why it matters: Strong BaaS income growth shows that products are expanding and partners are engaged.
Supportive ifBaaS program income growth exceeds 10% in the next quarter.
Worry ifBaaS program income growth drops below 5% in the next quarter.
Why it matters: Changes in capital ratios can show financial health. They also show the ability to handle losses.
Worry ifCommon equity Tier 1 ratio drops below 10% in the next quarter.
Less concerning ifThe common equity Tier 1 ratio stays above 10%. This shows stability.
Why it matters: Better credit quality shows good risk management. It also means a healthier loan portfolio.
Supportive ifNet charge-offs to average loans decline below 4.5%.
Worry ifNet charge-offs to average loans rise above 5.5%.
Why it matters: Loan growth shows strong demand. It also means better partner expansion in the BaaS segment.
Supportive ifLoans receivable growth of 9% or more compared to the previous quarter.
Worry ifLoan growth drops below 5% compared to the previous quarter.
Why it matters: New partnerships can drive revenue growth and enhance the BaaS platform.
Supportive ifAnnouncement of at least two new BaaS partnerships or product launches.
Worry ifNo new partnerships or product launches announced in the next quarter.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$146 on $10,000 · ±1.5% | How much price usually moves either way. |
| Bad day | $507 loss on $10,000 · 5.1% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $6,645 loss on $10,000 · 66.5% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.