CBNK vs CCB

Capital Bancorp, Inc. vs Coastal Financial Corporation — Valuation Comparison 2026

By CirclFi Research Team · Updated 2026-06-03 · Data from SEC EDGAR, FRED & GDELT

Quick Summary — CBNK scores higher on quality with 8.9/10 vs CCB's 8.4/10. CBNK trades at $32.28 while CCB trades at $70.67. Both analyzed daily using SEC EDGAR data across 13 institutional models.

CBNK

Banks - Regional
Capital Bancorp, Inc.
Quality
8.9
out of 10
Value Trap
Price
$32.28
Last close
Models
11/13
Active
VS

CCB

Banks - Regional
Coastal Financial Corporation
Quality
8.4
out of 10
Value Trap
Price
$70.67
Last close
Models
11/13
Active
CBNK
Bayesian DCF sees +20.4% upside
Limited to 2/13 visible models
CCB
Bayesian DCF sees +144.1% upside
Limited to 2/13 visible models

CBNK vs CCB — Fair Value Comparison

CBNK
$0$15$31$46 Price$32.28 Bayesian …$38.85 (+20.4%) Earnings …$34.17 (+5.8%)
CCB
$0$68$136$204 Price$70.67 Bayesian …$172.48 (+144.1%) Earnings …$161.38 (+128.4%)
Market Price Model 1 Model 2

Model-by-Model Comparison

ModelType CBNK Fair ValueCBNK Upside CCB Fair ValueCCB Upside
Bayesian DCF Intrinsic $38.85 +20.4% $172.48 +144.1%
Earnings Power Value Intrinsic $34.17 +5.8% $161.38 +128.4%
EROIC Spread Intrinsic $•••.•• ••.•% $•••.•• ••.•%
First Chicago Scenario $•••.•• ••.•% $•••.•• ••.•%
Markov DDM Intrinsic $•••.•• ••.•% $•••.•• ••.•%
ML-RIV Intrinsic $•••.•• ••.•% $•••.•• ••.•%
PWERM Option-Based $•••.•• ••.•% $•••.•• ••.•%
Regime Cross-Sectional Relative $•••.•• ••.•% $•••.•• ••.•%
Sentiment SOTP Hybrid $•••.•• ••.•% $•••.•• ••.•%
CUCE Ensemble Ensemble $•••.•• ••.•% $•••.•• ••.•%
FTNN Topology Relative $•••.•• ••.•% $•••.•• ••.•%
RCMH-DCF Intrinsic $•••.•• ••.•% $•••.•• ••.•%

CBNK vs CCB — Which Stock Is More Undervalued in 2026?

CBNK scores higher with a 8.9/10 quality rating vs CCB's 8.4/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

How Do CBNK and CCB Valuations Compare?

At $32.28, CBNK trades +20.4% below its Bayesian DCF fair value of $38.85, while CCB at $70.67 trades +144.1% below its estimate of $172.48. CCB shows a wider gap between price and intrinsic value.

Quality of Company: CBNK vs CCB

CBNK earns a Quality of Company score of 8.9/10 compared to CCB's 8.4/10. The scores are closely matched, indicating similar fundamental quality profiles. The QOC score synthesizes 32 signals spanning profitability margins, revenue growth, free cash flow, capital allocation, and leverage.

Value Trap Risk: CBNK vs CCB

Review the value trap analysis for both CBNK and CCB to assess whether apparent undervaluation reflects genuine opportunity or hidden fundamental risk.

Both in Banks - Regional

Both CBNK and CCB operate in Banks - Regional, which has 329 stocks tracked by CirclFi. Same-industry comparisons provide the most direct insight into relative valuation since both companies face similar regulatory environments, market dynamics, and competitive pressures. Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN), and ensemble methods (CUCE).

2 of 13 MODELS UNLOCKED

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