Stock Ratings / Financials / CCB / earnings

ACNB (72) WCCB (51) RRBI (63) CARE (64) ⌘ Pro Terminal →

Coastal Financial Corporation (CCB) Next Earnings Date & Expected ±9.8% Move

$43.66 -7.36% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

Coastal Financial Corporation (CCB) carries a Roarable Rating of D+ (Sell) with 54/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $667.4M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERSELL / AVOID • D+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE-1.8% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CCB)Realized 20D OHLCV Swing Band: ±9.8%

NEXT EST. WINDOW: Dec 30, 2026 (~58 DAYS)

Historical OHLCV Volatility ±9.8% Swing Band

±$4.28 Expected Swing

MODEL EARNINGS SETUP GAUGE

CCB Quantitative Pre-Earnings Setup: 54/100

Trailing EPS: $3.07 • YoY Revenue Growth: 12.4%

Model Bullish Setup (54/100)Model Risk Weight (46/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$0	$47.0M	$246.1M	52%
FY 2024	2024-12-31	$0	$45.2M	$249.9M	52%
FY 2023	2023-12-31	$0	$44.6M	$191.5M	52%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring CCB)

✓Walkthrough of CCB's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
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CCB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -42.26%📐 HORIZONTAL RANGE

2026-10-30O $43.08H $44.22L $42.49C $43.66VOL 331.5K

RES: $89.98SUP: $26.27SMA50: $44.57SMA200: $68.24

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CCB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CCB Butterfly Map → + Track CCB →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

6.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on CCB today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CCB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for CCB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CCB)

Financials Rank #720 of 1096 ⚔️ ACNB vs CCB Full Matrix →

1. Head-to-Head Financials Peer Comparison (CCB vs. ACNB, WCCB, RRBI, CARE)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Coastal Financial Corporation (CCB) ranks #720 by composite RQD confidence (54/100, grade D+) and #639 by equity capitalization ($667.4M). Within this direct 5-issuer industry benchmark cohort, CCB leads on earnings valuation at 14.2x trailing P/E, while RRBI leads on capital efficiency and profitability with 11.7% ROIC and — gross margin. ACNB currently holds the highest overall quantitative score in the immediate peer group at 72/100 (B) compared with CCB at 54/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
CCB ACTIVE Coastal Financial Corporation	D+	54/100	14.2x	—	9.6%	-7.36%	$667.4M	Benchmark Subject
ACNB ACNB Corporation	B	72/100	18.0x	—	8.8%	+0.72%	$667.0M	/acnb-vs-ccb →
WCCB West Coast Community Bancorp	D	51/100	—	—	—	-0.14%	$665.8M	/wccb-vs-ccb →
RRBI Red River Bancshares Inc.	C	63/100	15.7x	—	11.7%	+0.69%	$672.2M	/rrbi-vs-ccb →
CARE Carter Bankshares Inc.	C	64/100	21.1x	—	7.5%	-1.09%	$662.5M	/care-vs-ccb →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001437958

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Coastal Financial Corporation (CCB) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $47.0M, operating cash flow of $254.6M, and free cash flow of $246.1M (-1.5% YoY). On the balance sheet, CCB closed FY2025 with $4.74B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$47.0M	$254.6M	$246.1M	$4.74B	—
FY2024 (FY)	2024-12-31	$0	$45.2M	$259.8M	$249.9M	$4.12B	—
FY2023 (FY)	2023-12-31	$0	$44.6M	$191.5M	$191.5M	—	—

3. CCB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CCB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Coastal Financial Corporation (NASDAQ: CCB) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 54/100 at a spot price of $43.66 (-7.36% 1D, market cap $667.4M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 6/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 12/20. Across 1096 tracked Financials issuers, CCB ranks #720 in composite RQD confidence.

How does CCB compare to ACNB and WCCB in the Financials sector?

Within the Financials sector (Major Banks), CCB carries a Roarable D+ (54/100 RQD), trailing P/E of 14.2x, gross margin of —, and ROIC of 9.6%. By comparison, ACNB (ACNB Corporation) holds a B grade (72/100 RQD, P/E 18.0x, ROIC 8.8%, cap $667.0M) and WCCB (West Coast Community Bancorp) posts a D grade (51/100 RQD, P/E N/A, ROIC —, cap $665.8M). Among the 5-stock peer group, CCB leads on earnings multiple (14.2x) while RRBI leads on capital efficiency (11.7% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CCB?

Per CCB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001437958), Coastal Financial Corporation generated $0 in revenue, $47.0M in net income, and $246.1M in free cash flow against $4.74B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CCB trading relative to its 50-day, 200-day, and 52-week technical levels?

CCB last traded at $43.66 (-7.36% on volume of 445,145 shares), positioning the stock -2.04% below its 50-day simple moving average ($44.57) and -36.02% below its 200-day simple moving average ($68.24). Across its 52-week range of $35.56 to $120.05, CCB sits at the 9.6% percentile with a 14-day RSI of 47.7 (NEUTRAL RANGE) and an implied next-earnings move of ±9.8% ($39.38 to $47.94).