COASTAL FINANCIAL CORP
CCB · State Commercial Banks · 15.2M shares · +3%/yr ↑ shares · EDGAR filings ↗
Net buyback after stock comp: -$4M (gross $3K, SBC $4M)
Reference price $71.42 · est. market cap ~$1.1B — last insider sale, 2026-06-02 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
C68Coastal Financial — fast-growing BaaS/community bank (CCBX).
Strengths
- Strong free cash flow (85th pct); rapid BaaS-fee growth
Risks
- ROE 9.6% (47th) average; partner-program credit and compliance risk
- Concentration in fintech-lending programs
Notable findings
- Exec changeRecent 8-K item 5.02 8-K ↗
- Material weakness• We previously identified material weaknesses in our internal control over financial reporting, and any failure to maintain effective internal controls in the future could adversely affect our busine
- Insider sellingInsider selling — 17 open-market sale(s) by 4 insider(s) (cluster of 4 insiders, ~$7M, last 6mo) Form 4 ↗
Key metrics
Return on equity
9.6%
Return on assets
1.0%
Net-income growth
3.9%
Free cash flow
$246M
Tangible book value
$486M
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-06-02 | Hamilton Brian T | Sell | 7.0K | $71.42 |
| 2026-06-02 | Hamilton Brian T | Tax withheld | 230 | $71.42 |
| 2026-05-26 | Patterson Michael Robert | Grant | 1.4K | — |
| 2026-05-26 | Unger Pamela | Grant | 1.2K | — |
| 2026-05-26 | Akella-Mishra Sadhana | Grant | 1.4K | — |
| 2026-05-26 | Tisdel Gregory A | Grant | 1.2K | — |
| 2026-05-26 | Lane Thomas D | Grant | 1.5K | — |
| 2026-05-26 | Adams Christopher D | Grant | 1.8K | — |
| 2026-05-26 | Delorier Rilla S | Grant | 1.2K | — |
| 2026-05-26 | HOVDE STEVEN D | Grant | 1.3K | — |
| 2026-05-26 | Klee Stephan | Grant | 1.4K | — |
| 2026-05-26 | Chapman Jeffrey M | Grant | 1.5K | — |
| 2026-05-08 | Lane Thomas D | Sell | 300 | $72.60 |
| 2026-05-04 | Sarvela Elizabeth Ann | Tax withheld | 68 | $75.80 |
| 2026-05-01 | Hamilton Brian T | Tax withheld | 230 | $75.44 |
| 2026-05-01 | Hamilton Brian T | Sell | 3.1K | $75.44 |
| 2026-04-01 | Hamilton Brian T | Tax withheld | 228 | $76.69 |
| 2026-03-30 | Hamilton Brian T | Tax withheld | 1.8K | $73.73 |
| 2026-03-11 | Soto Brandon John | Grant | 673 | — |
| 2026-03-11 | Hamilton Brian T | Grant | 2.7K | — |
| 2026-03-11 | Sprink Eric M | Grant | 4.9K | — |
| 2026-03-03 | Hamilton Brian T | Sell | 146 | $72.37 |
| 2026-02-06 | Hamilton Brian T | Sell | 48 | $88.95 |
| 2026-02-05 | Sprink Eric M | Tax withheld | 1.7K | $84.97 |
| 2026-02-04 | Hamilton Brian T | Sell | 171 | $89.67 |
| 2026-02-03 | Sprink Eric M | Tax withheld | 733 | $89.50 |
| 2026-01-26 | Sprink Eric M | Tax withheld | 4.8K | $109.70 |
| 2026-01-26 | Sprink Eric M | Option exercise | 1.9K | $6.25 |
| 2026-01-26 | Sprink Eric M | Option exercise | 2.9K | $7.10 |
| 2026-01-26 | Sprink Eric M | Option exercise | 3.4K | $6.50 |
| 2026-01-26 | Sprink Eric M | Option exercise | 2.7K | $14.91 |
| 2026-01-26 | Sprink Eric M | Tax withheld | 4.3K | $111.34 |
| 2026-01-26 | EDWARDS JOEL G | Sell | 1.3K | $111.34 |
| 2026-01-22 | Sprink Eric M | Sell | 4.0K | $116.01 |
| 2026-01-21 | Sprink Eric M | Sell | 8.4K | $114.27 |
| 2026-01-16 | Sprink Eric M | Sell | 3.0K | $114.15 |
| 2026-01-15 | Sprink Eric M | Sell | 4.4K | $114.51 |
| 2026-01-09 | Sprink Eric M | Sell | 2.0K | $119.25 |
| 2026-01-09 | Sprink Eric M | Sell | 2.0K | $118.50 |
| 2026-01-07 | Sprink Eric M | Sell | 3.0K | $117.60 |
| 2026-01-06 | Sprink Eric M | Sell | 8.0K | $116.35 |
| 2026-01-05 | Sprink Eric M | Sell | 8.8K | $114.95 |
| 2026-01-02 | Sprink Eric M | Sell | 8.3K | $113.73 |
| 2025-12-31 | Hamilton Brian T | Tax withheld | 229 | $114.59 |
| 2025-12-10 | HOVDE STEVEN D | Sell | 1.5K | $116.00 |
| 2025-12-10 | HOVDE STEVEN D | Sell | 1.5K | $118.50 |
| 2025-12-09 | HOVDE STEVEN D | Sell | 1.5K | $115.50 |
| 2025-12-08 | HOVDE STEVEN D | Sell | 1.5K | $113.50 |
| 2025-12-08 | HOVDE STEVEN D | Sell | 1.5K | $114.50 |
| 2025-12-05 | HOVDE STEVEN D | Sell | 1.6K | $112.00 |
| 2025-12-05 | HOVDE STEVEN D | Sell | 1.0K | $112.50 |
| 2025-12-01 | Hamilton Brian T | Tax withheld | 6.2K | $113.81 |
| 2025-11-28 | Hamilton Brian T | Tax withheld | 232 | $111.35 |
| 2025-10-31 | Hamilton Brian T | Tax withheld | 229 | $106.50 |
| 2025-09-30 | Hamilton Brian T | Tax withheld | 228 | $108.17 |
| 2025-09-18 | EDWARDS JOEL G | Sell | 9.4K | $114.67 |
| 2025-09-18 | Sprink Eric M | Sell | 11K | $114.65 |
| 2025-09-17 | Sprink Eric M | Sell | 5.0K | $110.21 |
| 2025-09-17 | EDWARDS JOEL G | Sell | 5.0K | $110.05 |
| 2025-09-16 | EDWARDS JOEL G | Sell | 4.0K | $107.90 |
| 2025-09-16 | Sprink Eric M | Sell | 4.0K | $107.90 |
| 2025-09-15 | EDWARDS JOEL G | Sell | 5.0K | $108.91 |
| 2025-09-15 | Hamilton Brian T | Sell | 1.7K | $109.10 |
| 2025-09-15 | Klee Stephan | Sell | 4.3K | $109.14 |
| 2025-09-15 | Sprink Eric M | Sell | 10K | $108.82 |
| 2025-09-12 | EDWARDS JOEL G | Sell | 2.0K | $110.59 |
| 2025-09-11 | EDWARDS JOEL G | Sell | 3.0K | $111.71 |
| 2025-09-10 | EDWARDS JOEL G | Sell | 2.0K | $110.96 |
| 2025-08-29 | Hamilton Brian T | Tax withheld | 228 | $114.50 |
| 2025-07-31 | Hamilton Brian T | Tax withheld | 229 | $96.20 |
| 2025-06-30 | Hamilton Brian T | Tax withheld | 228 | $96.87 |
| 2025-06-18 | EDWARDS JOEL G | Option exercise | 1.8K | $7.20 |
| 2025-05-30 | Queyrouze Curt | Tax withheld | 581 | $87.89 |
| 2025-05-30 | Hamilton Brian T | Tax withheld | 14K | $87.89 |
| 2025-05-28 | Patterson Michael Robert | Grant | 1.1K | — |
| 2025-05-28 | Klee Stephan | Grant | 1.1K | — |
| 2025-05-28 | HOVDE STEVEN D | Grant | 1.1K | — |
| 2025-05-28 | Akella-Mishra Sadhana | Grant | 1.1K | — |
| 2025-05-28 | Adams Christopher D | Grant | 1.4K | — |
| 2025-05-28 | Unger Pamela | Grant | 975 | — |
| 2025-05-28 | Lane Thomas D | Grant | 1.2K | — |
| 2025-05-28 | Delorier Rilla S | Grant | 975 | — |
| 2025-05-28 | Tisdel Gregory A | Grant | 975 | — |
| 2025-05-28 | Sprink Eric M | Option exercise | 1.9K | $6.25 |
| 2025-05-28 | Sprink Eric M | Option exercise | 1.9K | $7.20 |
| 2025-05-28 | Sprink Eric M | Tax withheld | 1.7K | $87.19 |
| 2025-05-27 | Sprink Eric M | Inherited | 885 | — |
| 2025-05-27 | Hamilton Brian T | Tax withheld | 326 | $88.70 |
| 2025-05-16 | EDWARDS JOEL G | Sell | 3.1K | $88.44 |
| 2025-04-14 | Tisdel Gregory A | Sell | 1.6K | $79.07 |
| 2025-02-06 | Sand Jonathan E | Option exercise | 200 | $7.20 |
| 2025-02-06 | Sand Jonathan E | Option exercise | 1.2K | $14.91 |
| 2025-02-06 | Sand Jonathan E | Option exercise | 200 | $7.10 |
| 2025-02-06 | Sand Jonathan E | Option exercise | 200 | $6.50 |
| 2025-02-06 | Hamilton Brian T | Grant | 669 | — |
| 2025-02-06 | Stines Andrew G | Grant | 1.0K | — |
| 2025-02-06 | Herger Tarah M | Tax withheld | 120 | $88.90 |
| 2025-02-05 | Queyrouze Curt | Grant | 2.5K | — |
| 2025-02-05 | Queyrouze Curt | Tax withheld | 488 | $88.90 |
| 2025-02-05 | Culp Michael | Grant | 935 | — |
| 2025-02-05 | Culp Michael | Tax withheld | 170 | $88.90 |
| 2025-02-05 | EDWARDS JOEL G | Grant | 1.4K | — |
| 2025-02-05 | EDWARDS JOEL G | Tax withheld | 419 | $88.90 |
| 2025-02-05 | Sprink Eric M | Option exercise | 3.4K | $6.50 |
| 2025-02-05 | Sprink Eric M | Option exercise | 2.9K | $7.10 |
| 2025-02-05 | Sprink Eric M | Option exercise | 2.7K | $14.91 |
| 2025-02-05 | Sprink Eric M | Tax withheld | 1.3K | $88.90 |
| 2025-02-05 | Sprink Eric M | Tax withheld | 4.1K | $88.90 |
| 2025-02-05 | Sprink Eric M | Grant | 4.2K | — |
| 2025-02-05 | Sand Jonathan E | Grant | 892 | — |
| 2025-02-05 | Herger Tarah M | Grant | 892 | — |
| 2025-02-05 | Keithley Russ A | Tax withheld | 224 | $88.90 |
| 2025-02-05 | Keithley Russ A | Grant | 970 | — |
| 2025-02-03 | Keithley Russ A | Tax withheld | 118 | $88.40 |
| 2025-02-03 | Sprink Eric M | Tax withheld | 733 | $88.40 |
| 2025-02-03 | Herger Tarah M | Tax withheld | 15 | $88.40 |
| 2025-02-03 | EDWARDS JOEL G | Tax withheld | 176 | $88.40 |
| 2025-02-03 | Culp Michael | Tax withheld | 24 | $88.40 |
| 2025-01-27 | Sprink Eric M | Tax withheld | 4.3K | $84.38 |
| 2025-01-27 | Culp Michael | Tax withheld | 433 | $84.38 |
| 2025-01-27 | Herger Tarah M | Tax withheld | 208 | $84.38 |
| 2025-01-27 | Queyrouze Curt | Tax withheld | 438 | $84.38 |
| 2025-01-27 | Keithley Russ A | Tax withheld | 789 | $84.38 |
| 2025-01-27 | EDWARDS JOEL G | Tax withheld | 1.3K | $84.38 |
All non-derivative Form 4 activity (SEC), newest first.
Notable events (8-K)
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 8-K | 2026-05-29 | 2026-05-27 | 0001437958-26-000043 ↗ |
| 10-Q | 2026-05-08 | 2026-03-31 | 0001437958-26-000039 ↗ |
| 8-K | 2026-04-29 | 2026-04-29 | 0001437958-26-000035 ↗ |
| 8-K | 2026-04-29 | 2026-04-29 | 0001437958-26-000031 ↗ |
| 8-K | 2026-04-29 | 2026-04-29 | 0001437958-26-000032 ↗ |
| 8-K | 2026-03-12 | 2026-03-11 | 0001437958-26-000017 ↗ |
| 10-K | 2026-02-27 | 2025-12-31 | 0001437958-26-000013 ↗ |
| 8-K | 2026-01-29 | 2026-01-29 | 0001437958-26-000005 ↗ |
| 8-K | 2026-01-29 | 2026-01-29 | 0001437958-26-000004 ↗ |
| 10-Q | 2025-11-07 | 2025-09-30 | 0001437958-25-000168 ↗ |
| 8-K | 2025-10-29 | 2025-10-29 | 0001437958-25-000164 ↗ |
| 8-K | 2025-10-29 | 2025-10-29 | 0001437958-25-000165 ↗ |