Is Coastal Financial (CCB) Still Attractive After Its Recent Share Price Pullback

Simply Wall St.01-13

If you are wondering whether Coastal Financial's current share price lines up with its underlying value, you are not alone. That is exactly what this article will unpack. The stock recently closed at ...

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The stock recently closed at ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/banks/nasdaq-ccb/coastal-financial/news/is-coastal-financial-ccb-still-attractive-after-its-recent-s\">Source Link</a>\n\n</div>\n","source":"simplywall_highlight","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is Coastal Financial (CCB) Still Attractive After Its Recent Share Price Pullback</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs Coastal Financial (CCB) Still Attractive After Its Recent Share Price Pullback\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-01-13 10:26 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/us/banks/nasdaq-ccb/coastal-financial/news/is-coastal-financial-ccb-still-attractive-after-its-recent-s><strong>Simply Wall St.</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>If you are wondering whether Coastal Financial's current share price lines up with its underlying value, you are not alone. That is exactly what this article will unpack. The stock recently closed at ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/banks/nasdaq-ccb/coastal-financial/news/is-coastal-financial-ccb-still-attractive-after-its-recent-s\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"LU1282651121.HKD","symbol_name":"ALLIANZ GEM EQUITY HIGH DIVIDEND \"AMG\" (HKD) INC","start_time":0,"source_url":"https://simplywall.st/stocks/us/banks/nasdaq-ccb/coastal-financial/news/is-coastal-financial-ccb-still-attractive-after-its-recent-s","article_id":"2603850808","we_media_id":null,"thumbnails":["https://images.simplywall.st/asset/industry/7013000-choice1-main-header/1585186561056"],"rights":{"source":"simplywall_highlight","url":"https://simplywall.st/stocks/us/banks/nasdaq-ccb/coastal-financial/news/is-coastal-financial-ccb-still-attractive-after-its-recent-s","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2603850808","pubTimestamp":1768271169,"columns":[],"sourceInfo":{"source_id":"simplywall_highlight","name":"Simply Wall St."},"weMediaInfo":null,"summary":"If you are wondering whether Coastal Financial's current share price lines up with its underlying value, you are not alone. That is exactly what this article will unpack.\nThe stock recently closed at US$110.41, with returns of 30.0% over 1 year and about 143.6% over 3 years. The last week and month showed declines of 6.5% and 3.2%, and the year-to-date return is 2.6% lower.\nRecent coverage has focused on Coastal Financial's share price moves and how investors are reacting to changing...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"LU1282651121.HKD":"ALLIANZ GEM EQUITY HIGH DIVIDEND \"AMG\" (HKD) INC","BK1231":"综合性银行","LU0140636845.USD":"施罗德大中华区股票A Acc","03143":"华夏香港银行股","LU0307460666.USD":"EASTSPRING INVESTMENTS CHINA EQUITY \"A\" ACC","IE00B19Z5X02.USD":"Legg Mason QS - MV Asia Pacific ex Japan Equity Growth and Income A Acc USD","LU0047713382.USD":"BGF EMERGING MARKETS \"A2\" ACC","LU0348827113.USD":"ALLIANZ RCM CHINA \"AT\" ACC","LU0572940350.SGD":"Janus Henderson Horizon Asian Dividend Income A3 SGD","LU0264606111.USD":"Janus Henderson Horizon Asian Dividend Income A2 USD","LU0499858602.USD":"NINETY ONE GSF ASIA PACIFIC EQUITY OPPORTUNITIES \"A\" (USD) ACC","LU0868486357.SGD":"JPMorgan Funds - Emerging Markets Opportunities A (acc) SGD-H","LU0856984785.SGD":"HSBC GIF MANAGED SOLUTIONS ASIA FOCUSED GROWTH \"ACH\" (SGDHDG) ACC","LU0244354667.USD":"SCHRODER ISF CHINA OPPORTUNITIES \"A\" ACC","00939":"建设银行","IE0034224299.USD":"PINEBRIDGE ASIA EX JAPAN EQUITY \"A\" (USD) ACC","LU0819121731.USD":"HSBC GIF MANAGED SOLUTIONS ASIA FOCUSED GROWTH \"AC\" (USD) ACC","LU0096374516.USD":"CT (LUX) I ASIA EQUITY INCOME \"DU\" (USD) ACC","LU1497734951.SGD":"Eastspring Investments - Asian Low Volatility Equity Fund ASDM SGD-H","LU1880383440.USD":"AMUNDI FUNDS CHINA EQUITY \"A2\" (USD) INC","IE00BMCWC346.EUR":"GUINNESS EMERGING MARKETS EQUITY INCOME \"C\" (EUR) ACC","LU1023057109.AUD":"BGF CHINA \"A2\" (AUDHDG) ACC","LU0540923850.HKD":"ALLIANZ HONG KONG EQUITY \"A\" (HKD) INC","BK1521":"挪威政府全球养老基金持仓","LU1720050803.USD":"安联全方位中国股票基金","IE00B3M56506.USD":"NEUBERGER BERMAN EMERGING MARKETS EQUITY \"A\" (USD) ACC","LU1808992512.USD":"AB ALL CHINA EQUITY PORTFOLIO \"A\" (USD) ACC","LU1481107354.HKD":"HSBC GIF HONG KONG EQUITY \"AD\" (HKD) INC","LU0572944931.SGD":"Janus Henderson Horizon China Opportunities A2 SGD","LU1831875114.USD":"SCHRODER ISF ALL CHINA EQUITY \"A\" (USD) ACC","LU0633140727.USD":"AB EMERGING MARKETS MULTI ASSET PORTFOLIO \"AD\" (USD) INC","LU1303224171.USD":"NINETY ONE GSF ALL CHINA EQUITY \"A\" (USD) INC","LU1504937902.USD":"CT (LUX) I ASIAN EQUITY INCOME \"DUP\" (EUR) INC","LU1719994722.HKD":"NINETY ONE GSF ALL CHINA EQUITY \"A\" (HKD) ACC","LU1105468828.SGD":"Allianz Total Return Asian Equity AM DIS H2-SGD","LU0348825331.USD":"ALLIANZ CHINA EQUITY \"A\" (USD) INC","LU0052750758.USD":"富兰克林中国基金A Acc","LU0918141887.USD":"安联亚洲实际收益股票基金","CCB":"Coastal Financial Corp","LU1794554557.SGD":"Allianz All China Equity AT Acc H2-SGD","LU0918141705.HKD":"ALLIANZ TOTAL RETURN ASIAN EQUITY \"AM\" (HKD) INC","LU1568876335.HKD":"ALLIANZ CHINA MULTI INCOME PLUS \"AMG\" (HKD) INC","LU0348814723.USD":"ALLIANZ TOTAL RETURN ASIAN EQUITY \"A\" (USD) INC  NC","LU0823040885.USD":"东方汇理新兴市场焦点股票基金","IE00B5MMRT66.SGD":"NEUBERGER BERMAN CHINA EQUITY \"A\" (SGDHDG) ACC","LU0821914370.USD":"贝莱德亚洲成长领袖A2","LU0348816934.USD":"ALLIANZ TOTAL RETURN ASIAN EQUITY \"AT\" (USD)","LU0516422440.USD":"FULLERTON LUX FUNDS - ASIA FOCUS EQUITIES \"A\" (USD) ACC","IE00BVYPNP33.GBP":"GUINNESS ASIAN EQUITY INCOME \"C\" (GBP) ACC","LU0823039010.USD":"AMUNDI FUNDS ASIA EQUITY FOCUS  \"A2\" (USD) INC"},"translate_title":"沿海金融（CCB）近期股价回调后仍有吸引力吗","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"03143":0.6,"CCB":1.5,"00939":1.5},"content_text":"If you are wondering whether Coastal Financial's current share price lines up with its underlying value, you are not alone. That is exactly what this article will unpack. The stock recently closed at US$110.41, with returns of 30.0% over 1 year and about 143.6% over 3 years. The last week and month showed declines of 6.5% and 3.2%, and the year-to-date return is 2.6% lower. Recent coverage has focused on Coastal Financial's share price moves and how investors are reacting to changing expectations for the business and its sector. This context helps explain why the stock has pulled back in the short term even though its longer-term returns have been strong. Simply Wall St currently gives Coastal Financial a valuation score of 3 out of 6, based on checks of whether the stock looks undervalued on several metrics. Next, we will look at those methods side by side before finishing with a different way of thinking about valuation that can tie it all together.  Coastal Financial delivered 30.0% returns over the last year. See how this stacks up to the rest of the Banks industry. AdvertisementApproach 1: Coastal Financial Excess Returns Analysis The Excess Returns model looks at how much profit Coastal Financial is expected to earn over and above the return that shareholders require, then capitalizes those extra profits into an intrinsic value per share. For Coastal Financial, analysts expect stable earnings of US$7.89 per share, based on weighted future Return on Equity estimates from 5 analysts. Against a cost of equity of US$2.96 per share, this implies an excess return of US$4.93 per share. In other words, the model assumes the company can generate earnings meaningfully above the return investors require on its equity capital. The analysis also uses a current book value of US$31.45 per share and a stable book value estimate of US$42.57 per share, again based on analyst forecasts, paired with an average Return on Equity of 18.53%. Putting these inputs together, the Excess Returns model arrives at an intrinsic value estimate of about US$175.92 per share. Compared with the recent share price of US$110.41, this implies the stock trades at a 37.2% discount, which indicates it is undervalued within this framework. Result: UNDERVALUED Our Excess Returns analysis suggests Coastal Financial is undervalued by 37.2%. Track this in your watchlist or portfolio, or discover 881 more undervalued stocks based on cash flows. CCB Discounted Cash Flow as at Jan 2026 Head to the Valuation section of our Company Report for more details on how we arrive at this Fair Value for Coastal Financial. Approach 2: Coastal Financial Price vs Earnings For a profitable company like Coastal Financial, the P/E ratio is a useful way to think about what you are paying for each dollar of earnings. Higher P/E ratios are often linked to stronger growth expectations or a lower perceived risk, while lower P/Es tend to be associated with slower growth expectations or higher risk. Coastal Financial currently trades on a P/E of 34.99x. That is higher than the Banks industry average P/E of 11.89x and above the peer group average of 12.86x, which indicates the market is putting a richer price on its earnings than on many banks in the same space. Simply Wall St’s Fair Ratio for Coastal Financial is 22.62x. This is a proprietary estimate of what a more “normal” P/E could look like for the company after taking into account factors such as its earnings growth profile, profit margins, risk characteristics, industry and market cap. Because it blends these elements into a single figure, the Fair Ratio can be more informative than a simple comparison against industry or peer averages, which do not adjust for company specific traits. Comparing Coastal Financial’s current P/E of 34.99x with the Fair Ratio of 22.62x suggests the shares look overvalued on this metric. Result: OVERVALUED NasdaqGS:CCB P/E Ratio as at Jan 2026 P/E ratios tell one story, but what if the real opportunity lies elsewhere? Discover 1445 companies where insiders are betting big on explosive growth. Upgrade Your Decision Making: Choose your Coastal Financial Narrative Earlier we mentioned that there is an even better way to understand valuation, so let us introduce you to Narratives. Narratives let you attach a clear story to your numbers by connecting your view on Coastal Financial’s future revenue, earnings, margins and fair value into one joined up picture. A Narrative is simply your explanation for what you think is happening at the company, translated into a forecast and then into a fair value that you can compare with the current share price. This can help you decide whether you want to buy, hold or sell. On Simply Wall St, millions of investors share these Narratives on the Community page. The platform ties each story to a set of assumptions and automatically refreshes the fair value when new information like earnings or news is available. For example, one Coastal Financial Narrative might assume strong revenue growth and a higher fair value than today’s US$110.41 share price. Another might use more cautious growth and margins and land on a fair value closer to or below that current price. Do you think there's more to the story for Coastal Financial? Head over to our Community to see what others are saying! NasdaqGS:CCB 1-Year Stock Price Chart  This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.New: AI Stock Screener & AlertsOur new AI Stock Screener scans the market every day to uncover opportunities.• Dividend Powerhouses (3%+ Yield)• Undervalued Small Caps with Insider Buying• High growth Tech and AI CompaniesOr build your own from over 50 metrics.Explore Now for FreeHave feedback on this article? Concerned about the content? Get in touch with us directly. 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