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Coastal Financial Corporation (CCB) Stock Analysis

Falling Knife setup

SellVALUE-TRAP 1/5Moderate Confidence

Financial Services · Banks - Regional

Sell if holding. Momentum 1.0/10 is below the 5.0 floor at $68.38 — engine's falling-knife protection flags exit rather than catching a breakdown. Specifics: Consecutive earnings misses (3); V7 low-quality RISK_OFF penalty: -0.5 (Q=4.5).

Coastal Financial Corporation operates as the bank holding company for Coastal Community Bank that provides various banking products and services to consumers and small and medium-sized businesses in the Puget Sound region in Washington. It accepts a range of deposit products,... Read more

$68.38+32.1% A.UpsideScore 5.3/10#113 of 142 Banks - Regional
QualityF-score8 / 9FCF yield
Stop $64.50Target $90.31(analyst − 15%)A.R:R 3.6:1
Analyst target$106.25+55.4%4 analysts
$90.31our TP
$68.38price
$106.25mean
$120

Sell if holding. Momentum 1.0/10 is below the 5.0 floor at $68.38 — engine's falling-knife protection flags exit rather than catching a breakdown. Specifics: Consecutive earnings misses (3); V7 low-quality RISK_OFF penalty: -0.5 (Q=4.5). Chart setup: Death cross, below all MAs, RSI 14, MACD bearish. Score 5.3/10, moderate confidence.

Passes 7/9 gates (favorable risk/reward ratio, clean insider activity, no SEC red flags, news events none recent, earnings proximity 72d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and death cross (50MA < 200MA). Suitability: aggressive.

Recent Developments — Coastal Financial Corporation

Generated 2026-05-20T21:06:21Z.

Thesis

Rewards
Sector modifier (Financial Services): +1.0
Attractive valuation
Analyst upside: 32%
Risks
V7 low-quality RISK_OFF penalty: -0.5 (Q=4.5)
Consecutive earnings misses (3)
Negative momentum

Key Metrics

P/E (TTM)21.3
P/E (Fwd)9.8
Mkt Cap$1.0B
EV/EBITDA
Profit Mgn13.6%
ROE10.3%
Rev Growth17.0%
Beta0.76
DividendNone
Rating analysts8

Quality Signals

Piotroski F8/9

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

2 floor-breakers·1 ceiling hit

Price action weak — below key moving averages, no momentum carry. Needs a base before trend-continuation setups apply.static

Macd
0.0
Volume
0.0
Obv
1.0
Ma Position
1.0
Rsi
3.0
Capitulation risk (RSI 14, below 200MA)Volume distribution (falling OBV)Below 200-MA, MA slope -3.1%/30d — confirmed downtrend

No near-term catalyst priced in. Thesis progression will come from fundamentals grinding, not event reaction.static

Earnings History
0.0
Surprise Avg
0.0
Erm
5.0
Earnings Timing
5.0
Earnings concerns: 1B/3M
GatesMomentum 1.0<4.5Death cross (50MA < 200MA)A.R:R 3.6 ≥ 1.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 72d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARFalling KnifeSuitability: Aggressive
RSI
14 · Oversold
20D MA 50D MA 200D MADEATH CROSSSupport $66.50Resistance $87.33

Price Targets

$65
$90
A.Upside+32.1%
A.R:R3.6:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeRisk-Off

Risk Alerts

! NEWS_MOD=-1: HOLD_IF_HOLDING → SELL_IF_HOLDING
! Momentum score 1.0/10 — below 4.5 minimum
! Death cross — 50-day MA below 200-day MA

Earnings

B
M
M
M
1/4 beats
Next Earnings2026-07-29 (72d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is CCB stock a buy right now?

Sell if holding. Momentum 1.0/10 is below the 5.0 floor at $68.38 — engine's falling-knife protection flags exit rather than catching a breakdown. Specifics: Consecutive earnings misses (3); V7 low-quality RISK_OFF penalty: -0.5 (Q=4.5). Chart setup: Death cross, below all MAs, RSI 14, MACD bearish. Prior stop was $64.50. Score 5.3/10, moderate confidence.

What is the CCB stock price target?

Take-profit target: $90.31 (+32.1% upside). Prior stop was $64.50. Stop-loss: $64.50.

What are the risks of investing in CCB?

V7 low-quality RISK_OFF penalty: -0.5 (Q=4.5); Consecutive earnings misses (3); Negative momentum.

Is CCB overvalued or undervalued?

Coastal Financial Corporation trades at a P/E of 21.3 (forward 9.8). TrendMatrix value score: 8.6/10. Verdict: Sell.

What do analysts say about CCB?

8 analysts cover CCB with a consensus score of 4.3/5. Average price target: $106.

What does Coastal Financial Corporation do?Coastal Financial Corporation operates as the bank holding company for Coastal Community Bank that provides various...

Coastal Financial Corporation operates as the bank holding company for Coastal Community Bank that provides various banking products and services to consumers and small and medium-sized businesses 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 also 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 and 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 digital financial service partners to offer their customers banking services. The company was founded in 1997 and is headquartered in Everett, Washington.

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