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Why CCB Stock advanced +0.90% Today — RQD Quant Desk Flash

$43.68 +0.90% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $43.67

Coastal Financial Corporation (CCB) carries a Roarable Rating of D (Sell) with 51/100 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 $661.7M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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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?
▼

As of 2026-11-03, Coastal Financial Corporation (NASDAQ: CCB) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 51/100 at a spot price of $43.68 (+0.90% 1D, market cap $661.7M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 6/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 7/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, CCB ranks #623 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 (51/100 RQD), trailing P/E of 14.2x, gross margin of —, and ROIC of 9.6%. By comparison, ACNB (ACNB Corporation) holds a B- grade (71/100 RQD, P/E 18.0x, ROIC 8.8%, cap $665.1M) and WCCB (West Coast Community Bancorp) posts a C- grade (60/100 RQD, P/E N/A, ROIC —, cap $666.2M). Among the 5-stock peer group, CBNK leads on earnings multiple (12.0x) while CBNK leads on capital efficiency (14.2% 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 $1.99B in revenue (+15.0% YoY), $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:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $43.67 (-0.03%)🧬 Cannibal Buyback (-1.24% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 12.4% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 51/100 (D) historically posted market-perform odds over rolling 90-day windows (-1.3% avg 90D alpha vs SPY • 49.7% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D
025507510051
Quant Analyst Panel 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 RQD RADARRw D+ · Rk D
Cash (13)Whales (6)SEC (13)Macro (7)CEO (12)
Each axis scored 0–20
12M PRICE TARGET CONE-3.2% Base Target
$126 Bull$42 Base$33 Bear
📬 FREE CCB RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CCB)Realized 20D OHLCV Swing Band: ±9.7%
Deterministic 5-Pillar Attribution (51/100 Composite)
🔍 WHY CCB SCORES 51/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Cash Engine Quality+13/20 pts (25% of score)

SEC XBRL FY 2025 (10-K): 12.4% FCF Margin ($246.1M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (25% 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)
43
Grade D$41.45+5.2% Next Q
Q2 (-2Q)
46
Grade D$43.60+4.7% Next Q
Q3 (-1Q)
48
Grade D$45.66-4.3% Next Q
Current
51
Grade D$43.68-1.3% Hist 90D α
Trajectory: D (43) → D (51)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

Gideon Ashmere Forensic Desk →

While CCB currently carries a cautious 51/100 (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 ($44.45) and Max Pain ($45.86) 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”
YES 51%NO 49%Trade / Inspect Odds →
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →

Why CCB Stock advanced +0.90% Today — RQD Quant Desk Flash

Coastal Financial Corporation (CCB) advanced +0.90% to $43.68, 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 ±9.7% around $43.68 (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
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
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
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CCB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -40.68%▼ DESCENDING CHANNEL
2026-11-03O $43.66H $43.68L $43.29C $43.68VOL 331.6K
RES: $47.77SUP: $34.89SMA50: $44.45SMA200: $67.54
$104.1$85.51$66.94$48.37$29.80RES $47.77SUP $34.89$43.682026-05-042026-06-172026-08-042026-09-182026-11-03
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

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

Reverse-DCF Expectations Hurdle
6.0%/yr Implied 5Y Growth

vs. +15.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

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 #623 of 1097 ⚔️ ACNB vs CCB Full Matrix →

1. Head-to-Head Financials Peer Comparison (CCB vs. ACNB, WCCB, BHB, CBNK)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Coastal Financial Corporation (CCB) ranks #623 by composite RQD confidence (51/100, grade D) and #641 by equity capitalization ($661.7M). Within this direct 5-issuer industry benchmark cohort, CBNK leads on earnings valuation at 12.0x trailing P/E, while CBNK leads on capital efficiency and profitability with 14.2% ROIC and — gross margin. CBNK currently holds the highest overall quantitative score in the immediate peer group at 74/100 (B) compared with CCB at 51/100 (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 51/100 14.2x — 9.6% +0.90% $661.7M Benchmark Subject
ACNB
ACNB Corporation
B- 71/100 18.0x — 8.8% +2.63% $665.1M /acnb-vs-ccb →
WCCB
West Coast Community Bancorp
C- 60/100 — — — +0.71% $666.2M /wccb-vs-ccb →
BHB
Bar Harbor Bankshares Inc.
C 65/100 18.6x — 6.9% +2.45% $678.0M /bhb-vs-ccb →
CBNK
Capital Bancorp Inc.
B 74/100 12.0x — 14.2% +3.33% $679.6M /cbnk-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 $1.99B (+15.0% vs. FY2024 revenue of $1.73B , and +173.6% cumulative change since FY2023) , 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 $1.99B $47.0M $254.6M $246.1M $4.74B —
FY2024 (FY) 2024-12-31 $1.73B $45.2M $259.8M $249.9M $4.12B —
FY2023 (FY) 2023-12-31 $727.9M $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 2026-11-03, Coastal Financial Corporation (NASDAQ: CCB) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 51/100 at a spot price of $43.68 (+0.90% 1D, market cap $661.7M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 6/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 7/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, CCB ranks #623 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 (51/100 RQD), trailing P/E of 14.2x, gross margin of —, and ROIC of 9.6%. By comparison, ACNB (ACNB Corporation) holds a B- grade (71/100 RQD, P/E 18.0x, ROIC 8.8%, cap $665.1M) and WCCB (West Coast Community Bancorp) posts a C- grade (60/100 RQD, P/E N/A, ROIC —, cap $666.2M). Among the 5-stock peer group, CBNK leads on earnings multiple (12.0x) while CBNK leads on capital efficiency (14.2% 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 $1.99B in revenue (+15.0% YoY), $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 $43.68 (+0.90% on volume of 294,144 shares), positioning the stock -1.73% below its 50-day simple moving average ($44.45) and -35.33% below its 200-day simple moving average ($67.54). 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 ±9.7% ($39.44 to $47.92).

Direct Sub-Reports: CCB RQD Cockpit CCB 12M Forecast CCB Earnings & Move CCB Dividends & DRIP CCB Insiders & 13F CCB Whale Options CCB Profit Sankey CCB News & Why
ROARABLE RATING BRIEF • RQD 51/100 (D) ✓ SEC XBRL & RQD VERIFIED

CCB — Coastal Financial Corporation: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Coastal Financial Corporation (CCB) earns a live Roarable RQD composite score of 51/100, corresponding to a D letter grade (Roarable Sell) at a spot price of $43.68 (+0.90% 1D, market capitalization $661.7M).

  • Fundamental Cash Engine (13/20): Anchored by return on invested capital (ROIC) of 9.6%, gross margin of —, operating margin of —, and free cash flow yield of —.
  • Whale 13F & Options Flow (6/20) + Insider Conviction (12/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (7/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Coastal Financial Corporation is a NASDAQ-listed issuer classified in the Financials sector and the Major Banks industry. Market capitalization is $0.7B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Coastal Financial Corporation (CCB) reported $1.99B in annual revenue (up from $1.73B in FY2024, +15.0% YoY) and $47.0M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($727.9M revenue, $44.6M net income) through FY2025, CCB scaled operating cash flow to $254.6M and free cash flow to $246.1M, backed by $4.74B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D • RQD 51/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of — and institutional whale pillar of 6/20. With Fundamental Cash Engine at 13/20 and Institutional Whale Flow at 6/20, sustained execution supports upside toward the upper end of the $35.56 – $120.05 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 14.2x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

— The Butterfly Supply-Chain Graph lists supply_chain as NONE, with empty butterfly_links and proprietary_signals arrays. No upstream or downstream dependencies, sector correlations, or second-order bottlenecks are mapped in the source data.

  • Key Question #1: Can CCB sustain or expand its — operating margin and 9.6% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $1.99B and free cash flow of $246.1M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is CCB's 13.2x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

CCB Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Coastal Financial Corporation (CCB) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to CCB Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

CCB Bull vs. Bear Conversation Board — What's Your Call at $43.68?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON CCB 🐻 33% BEARISH CONVICTION
1. Pick Your Side on CCB:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
TA TapeReader_Pro RQD DEBATE OPENER • Price Action & Volume Trader 🐂 BULLISH 🎯 Target: $55.41 (+28.0%)
📌 Pinned Debate

Reported net income grew from $44.6M in FY 2023 to $47.0M in FY 2025 while FCF stayed above $190M in each year, with an Altman Z of 2.5

Picked up a starter position in CCB in my $100K Virtual Cash book at $43.29. Reported net income grew from $44.6M in FY 2023 to $47.0M in FY 2025 while FCF stayed above $190M in each year, with an Altman Z of 2.5 and a forward P/E of 13.2.. Trading inside a $35.56–$120.05 52-week range with 0.0% FCF yield gives solid downside support if Major Banks multiples expand this quarter.

VolSurface_Trader 🐂 BULL

@MultipleCompression Shorting a 6/20 institutional whale-flow stock at $43.29 is dangerous when funds are rotating into Financials.

MU MultipleCompression RQD DEBATE OPENER • Valuation Discipline 🐻 BEARISH 🎯 Target: $34.63 (-20.0%)
Spot @ $43.29

The stock fell 7.36% to $43.66 amid a RED-tagged securities class-action item and a 43% share drop, with institutional flow scoring onl

The stock fell 7.36% to $43.66 amid a RED-tagged securities class-action item and a 43% share drop, with institutional flow scoring only 6/20 and Macro Regime Fit at 8/20.. Look at the math on CCB: paying 14.2x trailing P/E for 9.6% ROIC and 0.0% operating margins leaves zero margin of safety if Major Banks demand softens. I'd wait for a retest of $38.10 before getting long.

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