Should I Buy CCB? CCB 2026 Analysis

Should You Buy Coastal Financial Corp (EVERETT) (CCB) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Hold

Latest Price

87.940

1 Day change

3.50%

52 Week Range

120.050

Analysis Updated At

2026/02/04

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Not a good buy right now for an impatient entry: the stock is technically oversold near support, but the prevailing trend is still down (bearish MACD) and recent fundamentals/insider activity are negative.
If you must act immediately, this is only a short-term oversold bounce setup near ~91 support—not a high-conviction “buy and ride” given weakening YoY results and heavy insider selling.
A cleaner buy case would require confirmation of a trend reversal (MACD stabilization + reclaiming key pivot ~103).

Technical Analysis

Trend/Momentum: Bearish. MACD histogram (-2.301) is below zero and negatively expanding, signaling downside momentum is still strengthening.
Oversold: RSI_6 at 17.063 is deeply oversold, increasing odds of a near-term relief bounce.
Levels: Pre-market ~91.23 is sitting just below S1 (91.768). Next support is S2 (84.657). Major overhead pivot resistance is ~103.277, then R1 ~114.787.
Moving averages: Converging MAs suggest the selloff may be maturing, but there’s no confirmed reversal signal yet.
Pattern-based forward odds: Similar candlestick analogs imply modest upside probabilities (approx. +0.94% next day, +2.32% next week, +5.33% next month), consistent with a bounce thesis—not a confirmed uptrend.

Options Data

Bullish

Open Interest Put-Call Ratio

Bullish

Option Volume Put-Call Ratio

Positioning/Sentiment: OI put-call ratio 0.26 is call-skewed (bullish tilt), and put volume is effectively zero today (volume put-call ratio 0.0), though absolute volume is small (20 calls).
Volatility: IV30 ~80.06 vs historical vol ~43.46 indicates options are pricing elevated uncertainty.
Activity: Today’s volume vs 30-day avg is high (250), but from a low base—signal is “some interest,” not broad conviction.

Technical Summary

Sell

Buy

Positive Catalysts

can spark a quick bounce.

Neutral/Negative Catalysts

- Downtrend still dominant: Bearish MACD expansion suggests downside momentum has not finished.
- Insider selling: Insiders are selling aggressively (selling amount up ~~658% over last month); CEO sold 12,402 shares (~~$1.4M) on 2026-01-28, reducing stake by ~7.23%.
- Fundamentals softening: Latest quarter showed YoY declines in revenue, net income, and EPS.
- Earnings risk: Event on 2026-02-10 can move the stock sharply; last reported Q4 2025 results were described as missing expectations in analyst commentary.

Financial Performance

Latest quarter: 2025/Q4.
Revenue: $105.575M, down 2.13% YoY (growth slowing/negative).
Net income: $12.643M, down 5.42% YoY.
EPS: $0.82, down 12.77% YoY (profitability per share weakening).
Takeaway: Recent quarter trends are negative YoY, which undercuts the case for an immediate “buy now” despite oversold technicals.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Recent trend: Ratings stayed positive (Buy/Outperform maintained), but price targets were cut after results.
2026-02-02: TD Cowen cut PT to $145 from $155 (kept Buy) after an expectations miss; still bullish on long-term partner momentum.
2026-02-02: Keefe Bruyette cut PT to $125 from $135 (kept Outperform).
Wall Street pros vs cons:
- Pros: Continued confidence in long-term partner execution and operating leverage potential.
- Cons: Near-term execution/earnings variability and recent disappointment driving PT reductions.

1 Analyst Rating

Wall Street analysts forecast CCB stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for CCB is 155 USD with a low forecast of 155 USD and a high forecast of 155 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

1 Buy

0 Hold

0 Sell

Moderate Buy

Current: 84.970

Low

155

Averages

155

High

155

Current: 84.970

Low

155

Averages

155

High

155

TD Cowen

Buy

downgrade

$155 -> $145

AI Analysis

2026-02-02

Reason

TD Cowen

Price Target

$155 -> $145

AI Analysis

2026-02-02

downgrade

Buy

Reason

TD Cowen lowered the firm's price target on Coastal Financial to $145 from $155 and keeps a Buy rating on the shares. The firm updated its model following results which missed expectations but they remain bullish on the long-term direction of travel with strong momentum on partner execution.

Keefe Bruyette

Outperform

downgrade

$135 -> $125

2026-02-02

Reason

Keefe Bruyette

Price Target

$135 -> $125

2026-02-02

downgrade

Outperform

Reason

Keefe Bruyette lowered the firm's price target on Coastal Financial to $125 from $135 and keeps an Outperform rating on the shares.

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CCB Should I Buy

CCB Should I Buy

Should You Buy Coastal Financial Corp (EVERETT) (CCB) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

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