Coastal Financial Corp

COASTAL FINANCIAL CORP (CCB) is currently classified as Commercial Banks within Banks (Financials). Classification confidence: 0.98 (rule-based classification). Capital structure on the latest snapshot: total assets 5,663,829,000 USD, total equity 503,762,000, short-term debt 0, long-term debt 0. Self-calculated market cap is 615,524,826 USD (market_price × shares_outstanding_diluted). Profitability profile: revenue 0, gross profit 0, operating income 0, net income 12,019,000. Return on equity ~2.4%. Return on assets ~0.2%. Operating-cash-flow to net-income ratio is 6.32. Risk profile from automated assessment: liquidity risk unknown, dilution risk medium. Flags: Source documents mention dilution or offering risk.; Liquidity risk could not be assessed (no balance-sheet inputs and no going-concern language in source documents).. Recent news context: [TRIGGER] allocator_boost: allocator_boost (allocator) on CCB — watcher=allocator; producer_version=ws49-p2a-v2; plan_date=2026-08-01; rank=5; ev=8.465307; company_id=9209b61a-5293-4e79-afec-de960c8b9c82; jurisdiction=US; term_contributions={'event_proximity': 2.01096, 'gradability': 2.0, 'staleness': 3.7612, 'credibility_interest': 0.693147}; days_since_analysis=42; pending_promises=1; reason=Allocator coverage boost rank #5 EV=8.465307 for CCB (hot+stale; days_since=42); contributing_watchers=allocator (source=allocator; url=allocator:2026-08-01:CCB). Additional context: allocator_boost: watcher=allocator; producer_version=ws49-p2a-v2; plan_date=2026-08-01; rank=5; ev=8.465307; company_id=9209b61a-5293-4e79-afec-de960c8b9c82; jurisdiction=US; term_contributions={'event_proximity': 2.01096, 'gradability': 2.0, 'staleness': 3.7612, 'credibility_interest': 0.693147}; days_since_analysis=42; pending_promises=1; reason=Allocator coverage boost rank #5 EV=8.465307 for CCB (hot+stale; days_since=42); contributing_watchers=allocator. Comparable peers identified within the same class: JPMorgan Chase, Bank of America, Citigroup, JPM.N, BAC.O.

Analysts project 157.1% upside to a mean price target of $103.75, signaling strong market confidence in future performance.

The company ranks best-in-class for cash conversion at 6.32, significantly outperforming the cohort median of 1.13.

Coastal Financial trades at a modest 1.23x price-to-book, offering potential value relative to its tangible book value.

Free cash flow remained robust at $246.1 million in FY2025, demonstrating strong liquidity generation capabilities.

The debt-to-equity ratio of 0.0 places the company above the cohort median, indicating a conservative capital structure.

Return on equity of 2.39% falls into the bottom quartile, lagging the cohort median of 6.51% significantly.

Total assets contracted by 13.1% year-over-year in FY2025, indicating a shrinking balance sheet and potential business headwinds.

Net income declined by 3.8% year-over-year in FY2025, reflecting weakening profitability trends for the period.

Equity decreased by 10.6% year-over-year in FY2025, suggesting a reduction in shareholder value during the period.

The company faces medium dilution risk, which could negatively impact per-share value and existing shareholder ownership stakes.