Coastal Financial Corporation (CCB) Fair Value 2026

CCB · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.2 /10

32 fundamental signals · 2 models active

Value Trap Risk

SAFE (0/100)

Quick Summary — As of 2026-08-27, Coastal Financial Corporation (CCB) trades at $46.74, versus a $87.10 median fair value across its 2 active models — 86.3% above the current price. QOC: 8.2/10. Value Trap Risk: 0/100 (SAFE). 2/13 models active.

Key Facts

Ticker
CCB
Price
$46.74
Quality Score
8.2/10
Value Trap Risk
0/100
Models Active
2/13
Last Updated
Strength: Regime Cross-Sectional suggests +94.1% upside with 41% confidence
Risk: Limited model coverage (2/13) may reduce confidence

Is Coastal Financial Corporation (CCB) Undervalued or Overvalued in 2026?

According to CirclFi’s 2-model valuation engine, Coastal Financial Corporation (CCB) appears undervalued as of : the median of 2 independent fair value estimates is $87.10, 86.3% above the current price of $46.74. Estimates range from $83.50 to $90.70. CCB scores 8.2/10 on fundamental quality and 0/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. CCB’s +86.3% gap is wider than that market norm, and the Banks - Regional sector median is -22.0%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Coastal Financial Corporation Stock in 2026? →

What Fair Value Does Each Model Give CCB?

2 Intrinsic Value Models vs. Current Price ($46.74)

Core Models (Unlocked)
Model Fair Value Upside
Relative · Medium Conviction
 $90.70 +94.1%
Relative · Low Conviction
 $83.50 +78.6%

All Models Active

All 2 models are displayed above.

What Is Coastal Financial Corporation (CCB) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Coastal Financial Corporation is potentially undervalued at its current price of $46.74. Based on our 13-model framework, Coastal Financial Corporation's intrinsic value is estimated at a median fair value of $87.10 — representing +86.3% implied upside — with 2 out of 2 active models confirming this thesis.

What Do the Models Say About CCB?

2 of 13 models are currently active for CCB. All 2 active models suggest the stock trades below fair value. Taken together, their median fair value for CCB is $87.10 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does CCB Rank in Banks - Regional?

Among 349 Banks - Regional stocks, CCB ranks #119 by Quality of Company score. CirclFi's QOC score of 8.2/10 evaluates 32 fundamental signals. A score of 8.2 places CCB in the top tier.

See all Most Undervalued Banks - Regional Stocks →

Coastal Financial Corporation's positioning within the Banks - Regional segment means that deposit growth plays an outsized role in fundamental analysis. The sector's unique characteristics — including loan portfolio growth — shape both the opportunity set and risk profile.

Is CCB a Value Trap?

CirclFi's Value Trap algorithm assigns CCB a score of 0/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

2 of 13 models are active for Coastal Financial Corporation. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Deep Alpha Valuation Engine, Coastal Financial Corporation scores 8.2 out of 10 on our 32-signal quality assessment, a strong rating that demonstrates strong fundamentals across the majority of our quality signals. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.

Models cluster within a tight range (+15.4% spread), increasing conviction. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every CCB valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across CCB's 2 active models, average confidence is 29%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Coastal Financial Corporation Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

FRAFFranklin Financial Services CorporationQOC 8.2RRBIRed River Bancshares, Inc.QOC 8.2LKFNLakeland Financial CorporationQOC 8.3PNCThe PNC Financial Services Group, Inc.QOC 8.2ZIONZions Bancorporation, National AssociationQOC 8.3NBBKNB Bancorp, Inc.QOC 8.2TFCTruist Financial CorporationQOC 7.8GBFHGBank Financial Holdings Inc.QOC 7.2MGYRMagyar Bancorp, Inc.QOC 8.7ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: FRAF · RRBI · LKFN · PNC · ZION · NBBK · TFC · GBFH · MGYR · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to CCB?

5 companies across all industries closest to CCB’s Quality of Company score of 8.2/10.

RHPRyman Hospitality Properties, Inc.QOC 8.2SPNTSiriusPoint Ltd.QOC 8.2USAQQHSLab, Inc.QOC 8.2DPZDomino's Pizza, Inc.QOC 8.2NVDANVIDIA CorporationQOC 10.0

Read investment analysis: RHP · SPNT · USAQ · DPZ · NVDA

Where Does CCB Sit in CirclFi's Banks - Regional Rankings?

CCB is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Coastal Financial Corporation’s Valuation?

What is Coastal Financial Corporation's intrinsic value in 2026?

CirclFi puts Coastal Financial Corporation (CCB)'s intrinsic value at $87.10 — the median of 2 independent model estimates as of 2026-08-27, ranging from $83.50 to $90.70. The Quality of Company score is 8.2/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is CCB overvalued or undervalued right now?

At $46.74, 2 of 2 active models suggest CCB may be undervalued, while 0 indicate potential overvaluation. The median of all 2 fair value estimates is $87.10, 86.3% above the current price of $46.74 — a consensus view that CCB is undervalued. The assessment depends on which methodology best fits Coastal Financial Corporation's business model in Banks - Regional.

What does a Quality of Company score of 8.2 mean for CCB?

Coastal Financial Corporation's QOC of 8.2/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on CCB?

CirclFi analyzes CCB with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 2 of 13 are active for this stock. Read the full methodology →

Is CCB a value trap in 2026?

Coastal Financial Corporation's Value Trap score is 0/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

Cite this analysis — “According to CirclFi’s 2-model valuation engine, Coastal Financial Corporation (CCB) has a median fair value of $87.10 — 86.3% above the current price of $46.74 — as of 2026-08-27.” Source: circlfi.com/stock/CCB/ · Methodology
Primary sources for this CCB valuation
  • Financial statements: Coastal Financial Corporation 10-K and 10-Q filings on SEC EDGAR (CIK 0001437958) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for CCB as of ; valuations recomputed .