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Coastal FinancialCCB +0.38%61 Equity-to-Asset is 0.09 as of Jun. 2026, which is 13% above its 10-year median of 0.08. GuruFocus rates CCB with a GF Score™ of 61/100 and a GF Value™ of $87.67 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,525 Banks companies, Coastal Financial ranks worse than 55.74% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Coastal Financial's Total Stockholders Equity for the quarter that ended in Jun. 2026 was $463.4 Mil. Coastal Financial's Total Assets for the quarter that ended in Jun. 2026 was $5,456.2 Mil.
Therefore, Coastal Financial's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.09.
The historical rank and industry rank for Coastal Financial's Equity-to-Asset or its related term are showing as below:
CCB'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07 Med: 0.08 Max: 0.12
Current: 0.09
During the past 10 years, the highest Equity to Asset Ratio of Coastal Financial was 0.12. The lowest was 0.07. And the median was 0.08.
CCB's Equity-to-Asset is ranked worse than 55.74% of 1525
companies
in the Banks industry
Industry Median: 0.1
vs CCB: 0.09
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Coastal Financial Equity-to-Asset Related Terms
Coastal Financial Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Coastal Financial's Equity-to-Asset can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
CCB vs NBN, AMTB, CFFN: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Coastal Financial's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Coastal Financial Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Coastal Financial's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Coastal Financial's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Coastal Financial's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Coastal Financial (CCB) has a Equity-to-Asset of 0.09 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Coastal Financial and its competitors. This is 13% above median its historical median of 0.08. Over the past decade, Coastal Financial's Equity-to-Asset has ranged from 0.07 to 0.12. According to the industry distribution chart, Coastal Financial ranks #850 out of 1525 companies in the Banks industry, placing it in the top 55.7%.
Is Coastal Financial's Equity-to-Asset too high?
Coastal Financial's current Equity-to-Asset of 0.09 is 13% above median its 10-year median of 0.08. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.12. The Banks industry median Equity-to-Asset is 0.10. Coastal Financial's value of 0.09 is 10% below this industry median. Based on the distribution chart, Coastal Financial ranks #850 out of 1525 companies in the Banks industry, which is below the industry midpoint. Overall, Coastal Financial has a GF Score™ of 61/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Coastal Financial's Equity-to-Asset compare to NBN and AMTB?
According to the Banks industry distribution chart, Coastal Financial ranks #850 out of 1525 companies for Equity-to-Asset. This places Coastal Financial in the lower half of its industry. The industry median Equity-to-Asset is 0.10. Coastal Financial's value of 0.09 is 10% below this benchmark. Historically, Coastal Financial's own Equity-to-Asset has ranged from 0.07 to 0.12 over the past decade. While the company's 10-year median is 0.08 vs. the industry median of 0.10, Coastal Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Coastal Financial's current Equity-to-Asset of 0.09 is 10% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Coastal Financial and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Coastal Financial's current Equity-to-Asset is 0.09, which is 13% above median its own 10-year median of 0.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Coastal Financial stock overvalued right now?
Based on GuruFocus' analysis, Coastal Financial (CCB) is currently considered Significantly Undervalued. The stock's GF Value™ is $87.67, compared to a current price of $46.37 — trading 47.1% below its estimated fair value. The current Equity-to-Asset is 0.09, which is 13% above median its 10-year median of 0.08 and 10% below the Banks industry median of 0.10. Coastal Financial's overall GF Score™ is 61/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Coastal Financial (CCB), the current Equity-to-Asset is 0.09 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Coastal Financial (CCB) Overvalued in 2026?
Based on GuruFocus' analysis, Coastal Financial stock appears to be undervalued.
The current stock price of $46.37 is trading 47.1% below its estimated GF Value™ of $87.67.
GuruFocus considers Coastal Financial to be Significantly Undervalued.
Key valuation signals for CCB:
Equity-to-Asset: 0.09 (13% above median its 10-year median of 0.08)
GF Value™: $87.67 vs. price of $46.37 (47.1% below fair value)
Industry Position: 10% below the Banks median (#850 of 1525)
No single metric tells the full story. See the CCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Coastal Financial Corp is a bank holding company. Through its subsidiaries, the company conducts its business in three reportable segments which include, Community Bank, CCBX, and Treasury and Administration. The Community Bank segment includes all community banking activities, with a primary focus on providing various banking products and services to consumers and small to medium-sized businesses. The CCBX segment provides Banking as a Service (BaaS) that allows its broker dealers and digital financial service partners to offer their customers banking services, and the Treasury and administration segment includes treasury management, overall administration, and all other aspects of the company.
61GF Score
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