profit from every $100 of sales.
$0$100
Coastal Financial
$42.57-1.55% today
-59.3% in 1 year
1-year low $37.541-year high $118.97
Trading close to its lowest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $13.85 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Coastal Financial sold, what it kept, and what it did with the cash.
Sales went from $212 million in 2022 to $405 million in 2025, with $47.0 million of profit last year.
SalesProfit
Coastal Financial handed back 1% of the cash it generated last year.
Buybacks $4M
Free cash flow 2025$246M
Bought back its own shares$4M
Paid as dividends–
Cash vs. debt$737M vs. $53M
Coastal Financial vs. similar companies
Coastal Financial grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Coastal Financial | 13.9× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Coastal Financial's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 212 | 349 | 453 | 405 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 41 | 45 | 45 | 47 | |
| 3.01 | 3.27 | 3.25 | 3.04 | |
| – | – | – | – | |
| – | – | – | – | |
| 19.2% | 12.8% | 10.0% | 11.6% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 3,144 | 3,750 | 4,121 | 4,741 |
| Cash | 342 | 483 | 453 | 737 |
| Total debt | 53 | 54 | 53 | 53 |
| Total liabilities | 2,901 | 3,455 | 3,683 | 4,250 |
| 243 | 295 | 439 | 491 | |
| 14 | 14 | 14 | 15 | |
| – | – | – | – | |
| 16.7% | 15.1% | 10.3% | 9.6% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 67 | 192 | 260 | 255 | |
| 3 | 6 | 10 | 8 | |
| 64 | 185 | 250 | 246 | |
| Dividends paid | – | – | – | – |
| – | 0 | 0 | 4 | |
| 3 | 4 | 5 | 9 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 13.9×
- 9.5×
- 41.83
- 2.1×
- 1.6×
- 7.2%
- 0.0%
Profitability
- 11.6%
- 1.3%
- 10.9%
- 10.2%
- 0.9%
Growth
- +24.1%
- +0.3%
- –
- +5.9%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 32%of 854
Bottom 25%of 733
Bottom 49%of 876
Top 19%of 878
Top 5%of 929
What analysts expect
- Average price target
- $132.50
- Range
- $110.00 – $155.00
- 1 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 29, 2026 | 0.78 | 1.02 | −23.5% |
| Jan 29, 2026 | 0.82 | 1.16 | −29.3% |
| Oct 29, 2025 | 0.88 | 0.87 | +0.8% |
| Jul 29, 2025 | 0.71 | 0.84 | −15.5% |
| Apr 29, 2025 | 0.63 | 0.85 | −25.4% |
| Mar 17, 2025 | 0.94 | – | – |
| Oct 28, 2024 | 0.97 | 0.95 | +2.1% |
| Jul 29, 2024 | 0.84 | 0.80 | +5.0% |
News
Who really wins under Trump’s economy? Coastal liberal elites who hate him.MarketWatch · Nov 1, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
2/7Passes 2 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
61Pass
Benjamin Graham
73Pass
Philip Fisher
48No pass
Peter Lynch
31No pass
Joel Greenblatt
16No pass
Charlie Munger
46No pass
Terry Smith
42No pass
Questions about Coastal Financial
Is Coastal Financial a good stock to buy?
A solid business, and the price looks low. 2 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Coastal Financial AI analysis
What does Coastal Financial do?
Coastal Financial Corporation operates as the bank holding company for Coastal Community Bank that provides various banking products and services to small to medium-sized businesses, professionals, and individuals in the Puget Sound region in Washington. It is in Banks - Regional.
Does Coastal Financial pay a dividend?
No. Coastal Financial does not pay a dividend at the moment; in 2025 it returned $3.53 million to shareholders by buying back its own shares.
Is Coastal Financial stock halal?
No. Coastal Financial does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Coastal Financial stock done over the past year?
Down 59.3% over the past twelve months, to $42.57. It traded between $37.54 and $118.97 and is 64.2% below its high.
Who are Coastal Financial's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Coastal Financial's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.