Coastal Financial (NASDAQ:CCB) Announces Quarterly Earnings Results

Coastal Financial (NASDAQ:CCB) issued its earnings results on Thursday. The company reported $0.82 EPS for the quarter, missing the consensus estimate of $1.19 by ($0.37), FiscalAI reports. The firm had revenue of $56.49 million during the quarter, compared to analyst estimates of $140.81 million. Coastal Financial had a net margin of 7.14% and a return on equity of 10.45%.

Coastal Financial Price Performance

Shares of CCB opened at $100.81 on Friday. The company has a quick ratio of 1.05, a current ratio of 1.06 and a debt-to-equity ratio of 0.10. The stock has a market cap of $1.52 billion, a PE ratio of 31.90 and a beta of 0.89. Coastal Financial has a 12-month low of $76.11 and a 12-month high of $120.05. The business has a 50-day simple moving average of $112.96 and a two-hundred day simple moving average of $108.65.

Analyst Ratings Changes

CCB has been the subject of several research analyst reports. Weiss Ratings restated a “buy (b-)” rating on shares of Coastal Financial in a research report on Monday, December 29th. UBS Group set a $155.00 price target on Coastal Financial in a report on Friday, December 5th. Hovde Group reduced their price objective on Coastal Financial from $140.00 to $133.00 and set an “outperform” rating on the stock in a research note on Friday. Finally, TD Cowen reissued a “buy” rating on shares of Coastal Financial in a research note on Friday, December 5th. One investment analyst has rated the stock with a Strong Buy rating, five have assigned a Buy rating and one has given a Hold rating to the company. According to data from MarketBeat, Coastal Financial has an average rating of “Buy” and a consensus price target of $126.33.

Insider Activity

In other Coastal Financial news, CFO Joel G. Edwards sold 1,300 shares of the company’s stock in a transaction that occurred on Monday, January 26th. The shares were sold at an average price of $111.34, for a total value of $144,742.00. Following the completion of the transaction, the chief financial officer directly owned 11,462 shares in the company, valued at approximately $1,276,179.08. This represents a 10.19% decrease in their position. The sale was disclosed in a legal filing with the SEC, which can be accessed through this link. Also, CEO Eric M. Sprink sold 4,000 shares of Coastal Financial stock in a transaction on Thursday, January 22nd. The stock was sold at an average price of $116.01, for a total transaction of $464,040.00. Following the transaction, the chief executive officer owned 159,126 shares in the company, valued at approximately $18,460,207.26. This trade represents a 2.45% decrease in their position. The disclosure for this sale is available in the SEC filing. Over the last 90 days, insiders have sold 63,296 shares of company stock worth $7,287,745. Company insiders own 14.10% of the company’s stock.

Institutional Inflows and Outflows

Several large investors have recently bought and sold shares of the stock. Russell Investments Group Ltd. lifted its holdings in Coastal Financial by 229.5% during the 2nd quarter. Russell Investments Group Ltd. now owns 827 shares of the company’s stock worth $80,000 after buying an additional 576 shares during the period. Tower Research Capital LLC TRC lifted its stake in shares of Coastal Financial by 521.7% in the second quarter. Tower Research Capital LLC TRC now owns 1,262 shares of the company’s stock worth $122,000 after acquiring an additional 1,059 shares during the period. Brooklyn Investment Group boosted its holdings in Coastal Financial by 28.0% in the third quarter. Brooklyn Investment Group now owns 2,063 shares of the company’s stock valued at $223,000 after acquiring an additional 451 shares during the last quarter. Coldstream Capital Management Inc. bought a new stake in Coastal Financial in the third quarter valued at approximately $256,000. Finally, Jump Financial LLC acquired a new stake in Coastal Financial during the 2nd quarter valued at approximately $329,000. 59.24% of the stock is owned by institutional investors.

Coastal Financial News Roundup

Here are the key news stories impacting Coastal Financial this week:

• Positive Sentiment: Management released an investor presentation highlighting growth plans and an AI-focused expansion that it says will drive efficiency and product cross-sell opportunities; this provides a constructive strategic narrative that could support longer-term revenue and margin improvement. Coastal Financial Highlights Growth and AI-Focused Expansion
• Neutral Sentiment: Reported short interest data appear anomalous (showing zero shares and a 0.0 days-to-cover metric), suggesting no clear short-seller pressure; treat the short-interest release as non-informative until corrected.
• Negative Sentiment: Q4 results materially missed expectations: EPS of $0.82 vs. consensus (~$1.16–$1.19) and revenue $56.49M vs. estimates near $140.8M. The revenue shortfall and EPS miss are the primary drivers of the selloff — they raise near-term execution questions and make it harder to justify the stock’s current multiple. Coastal Financial Corporation Announces Fourth Quarter 2025 Results Coastal Financial Corporation (CCB) Q4 Earnings and Revenues Lag Estimates
• Negative Sentiment: Insider selling: CFO Joel Edwards sold 1,300 shares (disclosed sale), reducing his stake by ~10.2%. Insider sales can be perceived negatively by the market even if driven by personal liquidity needs. Joel Edwards Sells 1,300 Shares of Coastal Financial (NASDAQ:CCB) Stock

Coastal Financial Company Profile

Coastal Financial Corporation is a bank holding company whose principal subsidiary, Coastal Community Bank, provides a full range of community banking services to clients along North Carolina’s central and eastern coastline. The company focuses on delivering personalized relationship banking to individuals, small businesses, and local professionals in seaside and inland communities.

Through Coastal Community Bank, Coastal Financial offers deposit products including checking, savings, money market accounts and certificates of deposit.