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Upturn AI SWOT - About
Coastal Financial Corp (CCB)
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Upturn Advisory Summary
04/01/2025: CCB (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 57.96% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.36B USD | Price to earnings Ratio 27.73 | 1Y Target Price 108.5 |
Price to earnings Ratio 27.73 | 1Y Target Price 108.5 | ||
Volume (30-day avg) 149449 | Beta 1.22 | 52 Weeks Range 37.30 - 102.25 | Updated Date 03/31/2025 |
52 Weeks Range 37.30 - 102.25 | Updated Date 03/31/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 3.26 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 14.89% | Operating Margin (TTM) 21.75% |
Management Effectiveness
Return on Assets (TTM) 1.15% | Return on Equity (TTM) 12.33% |
Valuation
Trailing PE 27.73 | Forward PE - | Enterprise Value 957451520 | Price to Sales(TTM) 4.47 |
Enterprise Value 957451520 | Price to Sales(TTM) 4.47 | ||
Enterprise Value to Revenue 3.11 | Enterprise Value to EBITDA - | Shares Outstanding 15005900 | Shares Floating 12826885 |
Shares Outstanding 15005900 | Shares Floating 12826885 | ||
Percent Insiders 16.66 | Percent Institutions 68.87 |
Analyst Ratings
Rating 4.75 | Target Price 90.5 | Buy 1 | Strong Buy 3 |
Buy 1 | Strong Buy 3 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Coastal Financial Corp
Company Overview
History and Background
Coastal Financial Corporation was founded in 1997 and operates through its wholly-owned subsidiary, Coastal Community Bank. It has grown organically and through strategic acquisitions to serve the Puget Sound region of Washington State, focusing on small and medium-sized businesses.
Core Business Areas
- Commercial Banking: Provides a wide array of lending and deposit services to small and medium-sized businesses, including commercial real estate, construction, and equipment financing.
- Retail Banking: Offers personal banking products and services such as checking and savings accounts, mortgages, and consumer loans to individual customers.
Leadership and Structure
The company is led by a board of directors and an executive management team. Key figures include the CEO, CFO, and heads of various business divisions. Organizational structure is typical of a community bank, with departments focused on lending, operations, and finance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans for the purchase, refinance, or construction of commercial properties. Coastal Community Bank focuses on lending in its local markets. Competitors include larger regional and national banks and credit unions. Market Share data is not readily available.
- Small Business Loans: Loans to finance working capital, equipment purchases, or other business needs. Competitors include other community banks, online lenders, and credit unions. Market Share data is not readily available.
- Deposit Accounts: Checking, savings, and money market accounts for businesses and consumers. Competitors include all banks and credit unions in the market. Market Share data is not readily available.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges such as rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Community banks face pressure to maintain margins and adapt to changing customer expectations.
Positioning
Coastal Financial Corp is positioned as a community-focused bank providing personalized service to small and medium-sized businesses. It aims to differentiate itself through local expertise and relationship banking.
Total Addressable Market (TAM)
The TAM is difficult to pinpoint precisely due to Coastal Financial Corp's geographic limitation; the TAM includes all banking services within their service area. Coastal Financial Corp is focused on capturing a significant share of the small and medium-sized business banking market in that region.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Established customer relationships
- Experienced management team
- Sound asset quality
Weaknesses
- Limited geographic reach
- Smaller size compared to larger banks
- Reliance on traditional banking model
- Less diversified revenue streams than larger banks
Opportunities
- Expansion within existing markets
- Strategic acquisitions of smaller banks
- Adoption of new technologies to improve efficiency
- Increased demand for community banking services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- WAFD
- Umpqua Holdings Corporation
- Columbia Banking System Inc.
Competitive Landscape
Coastal Financial Corp competes with larger regional and national banks as well as other community banks. Its advantages lie in local knowledge and personalized service. Disadvantages include smaller size and less diversified revenue streams. Market share data is not readily available and will be difficult to determine without access to specific market data and resources. The share market comparison is shown as 0.0 as this is currently unavailable.
Major Acquisitions
Whidbey Island Bank
- Year: 2017
- Acquisition Price (USD millions): 60.3
- Strategic Rationale: Expanded Coastal Financial's presence in the Puget Sound region.
Growth Trajectory and Initiatives
Historical Growth: Dependent on analyzing past financial performance over several years. (Unavailable).
Future Projections: Based on analyst estimates, typically available from financial news and data providers. (Unavailable).
Recent Initiatives: Recent initiatives would need to be gathered from press releases, investor presentations, and company reports.
Summary
Coastal Financial Corp is a community bank focused on serving small and medium-sized businesses in the Puget Sound region. Its strength lies in its local market knowledge and personalized service. It faces competition from larger banks and fintech companies, along with challenges from rising interest rates and economic uncertainty. Expanding within its existing market and strategic acquisitions are key growth opportunities while careful cost management is necessary to remain competitive. Continued monitoring of the rapidly evolving financial sector and technology will be paramount.
Similar Companies
- WAFD
- UMPQ
- COLB
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Financial News Articles
- Analyst Reports (Unavailable)
Disclaimers:
This analysis is based on publicly available information and general knowledge of the banking industry. Financial data is not current. Market share data is based on general knowledge and is approximate. This is not financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Coastal Financial Corp
Exchange NASDAQ | Headquaters Everett, WA, United States | ||
IPO Launch date 2018-07-18 | CEO & Director Mr. Eric M. Sprink | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 488 | Website https://www.coastalbank.com |
Full time employees 488 | Website https://www.coastalbank.com | ||
Coastal Financial Corporation operates as the bank holding company for Coastal Community Bank that provides various banking products and services to small and medium-sized businesses, professionals, and individuals 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 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, land, and land 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 broker dealers and digital financial service providers to offer their customers banking services. The company was founded in 1997 and is headquartered in Everett, Washington.
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