Coastal Financial Corp (EVERETT) (CCB) Stock Analysis
Verdict: AVOID
Severe BaaS credit loss provisions sank CCB's TTM net margin to -0.5% — recovery hinges on 2027 consensus EPS rebound to $5.91.
Investment score: 37/100
Analysis as of
Is Coastal Financial Corp (EVERETT) stock worth reviewing? AI model thesis
The AI model rates CCB as an AVOID due to severe earnings deterioration (Q2 2026 EPS of -$2.76), negative TTM net margin (-0.5%), and persistent downside price momentum (-39.3% in 90 days).
7-factor investment score
- Valuation: 35/100 (weight 20%)
- Financial Health: 40/100 (weight 15%)
- Technical Momentum: 30/100 (weight 15%)
- Earnings Quality: 10/100 (weight 15%)
- Insider Sentiment: 65/100 (weight 10%)
- Analyst Consensus: 60/100 (weight 10%)
- Risk-Adjusted Return: 35/100 (weight 15%)
Coastal Financial Corp (EVERETT) opportunities and risks
What speaks for CCB
- BaaS platform scale provides substantial long-term revenue growth potential
What speaks against CCB
- Escalating credit loss provisions severely impacting profitability
Peers and competitors
| Ticker | P/E | P/S | EV/EBITDA | Gross margin | Net margin | FCF yield |
|---|---|---|---|---|---|---|
| CCB | n/a | 0.9x | 7.4x | 53.6% | -0.5% | 38.4% |
| TCBX | 9.4x | 1.8x | 7.3x | 49.8% | 21.6% | 2.5% |
| PFIS | 12.5x | 2.5x | 11.2x | 66.5% | 19.7% | 6.3% |
| AROW | 12.3x | 3.0x | 25.2x | 63.6% | 24.2% | 7.1% |
| CWBC | 14.0x | 2.8x | 14.3x | 70.7% | 18.4% | 8.8% |
| BCAL | 11.6x | 3.0x | 7.9x | 79.6% | 26.0% | 8.5% |
| Peer median | 12.3x | 2.8x | 11.2x | 66.5% | 21.6% | 7.1% |
Frequently asked questions about Coastal Financial Corp (EVERETT) (CCB)
Is CCB stock a good investment?
The cached TradeMates AI model rates Coastal Financial Corp (EVERETT) as AVOID with an investment score of 37/100. The AI model rates CCB as an AVOID due to severe earnings deterioration (Q2 2026 EPS of -$2.76), negative TTM net margin (-0.5%), and persistent downside price momentum (-39.3% in 90 days). This is algorithmic model output, not personal investment advice.
Is CCB stock a buy?
The TradeMates model verdict for CCB is AVOID with an investment score of 37/100. Treat this as a model signal to review, not a personal buy recommendation.