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Why CCB Stock dropped -7.36% Today — RQD Quant Desk Flash
$43.66 -7.36% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)
EXT / AFTER-HRS: $43.00
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
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief)
Is CCB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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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.
✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does CCB compare to ACNB and WCCB in the Financials sector?
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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).
✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for CCB?
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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.
✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
EXT / AFTER-HRS: $43.00 (-1.51%)🧬 Cannibal Buyback (-1.24% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 6.2% FCF Margin
Verify 90D Bucket Audit →📊 Historical Track Record: Scores of 54/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.7% avg 90D alpha vs SPY • 51.0% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →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%
Deterministic 5-Pillar Attribution (54/100 Composite)
🔍 WHY CCB SCORES 54/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Cash Engine Quality+13/20 pts (24% of score)
SEC XBRL FY 2025 (10-K): 6.2% FCF Margin ($246.1M FCF) & 52% Gross Margin
▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (24% of score)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9
▼ #1 Drag / Risk Factor: Whale & Options Positioning6/20 pts (-14 pt drag)
Put hedging (50% put share) caps near-term gamma upside (-14 pts vs max)
📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)Grade D$40.74+3.1% Next Q
46
Q2 (-2Q)Grade D$42.02+7.6% Next Q
49
Q3 (-1Q)Grade C-$45.22-3.4% Next Q
51
CurrentGrade D+$43.66-0.7% Hist 90D α
54
Trajectory: D (46) → D+ (54)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER
⚔️ Adversarial Opposing Case: What Could Spark a CCB Turnaround Squeeze
While CCB currently carries a cautious 54/100 (D+) rating due to Whale & Options Positioning (6/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.
🚀 Contrarian Squeeze Trigger #1
Established market leader in Financials with deep daily trading liquidity.
🚀 Contrarian Squeeze Trigger #2
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($44.57) and Max Pain ($45.84) forces dealer call-delta covering toward $126.05.
🚀 Contrarian Squeeze Trigger #3
Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-1.24% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.
🎲 LIVE PREDICTION MARKET ODDS TIED TO $CCB• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “CCB Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why CCB Stock dropped -7.36% Today — RQD Quant Desk Flash
Coastal Financial Corporation (CCB) dropped -7.36% to $43.66, trading at 10% of its 52-week range ($35.56 – $120.05). Stretched risk/reward at 14x P/E (10% return on capital) under elevated 10-year interest-rate pressure.
- ▸Technical Tape: Trading at 10% of its 52-week range ($35.56 – $120.05) with RSI-14 at 47.7 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±9.8% around $43.66 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable D+ (Sell) backed by 52% gross margin and $246.1M annual free cash flow.
Live CCB Headlines & Catalysts
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MARKET WIRECNBC • 9h ago
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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
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 0001437958In 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 ENABLEDIs 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).
CCB Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is CCB stock moving today?
Why CCB Stock dropped -7.36% Today — RQD Quant Desk Flash. Stretched risk/reward at 14x P/E (10% return on capital) under elevated 10-year interest-rate pressure.