Coastal Financial (FRA:1VD) Moat Score: 4/10 (As of Aug. 24, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:1VD Coastal Financial Corp FRA:1VD
61 GF Score
Price €38.60
GF Value €72.62
! 1 Warning Sign
View Full Analysis

What is Coastal Financial Moat Score?

Coastal Financial FRA:1VD -2.53% 61 Moat Score is 4 as of Aug. 24, 2026. GuruFocus rates FRA:1VD with a GF Score™ of 61/100 and a GF Value™ of €72.62. The stock has 1 warning sign investors should review. Among 1,608 Banks companies, Coastal Financial ranks better than 86.26% on this metric.

Coastal Financial has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Coastal Financial has Narrow Moat: Coastal Financial Corp has a modest moat due to its regional market presence and customer relationships. While it benefits from some network effects and switching costs, it lacks significant intellectual property, brand strength, and regulatory barriers, limiting its competitive advantage.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Coastal Financial might have Narrow Moat - Discernible but modest moat.

Coastal Financial  (FRA:1VD) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Coastal Financial Moat Score Related Terms

FRA:1VD vs NBN, AMTB, CFFN: Moat Score Comparison

For the Banks - Regional subindustry, Coastal Financial's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Coastal Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where Coastal Financial's Moat Score falls into.


FRA:1VD
61GF Score
Coastal Financial Corp FRA:1VD
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Coastal Financial (FRA:1VD) has a Moat Score of 4 as of Aug. 24, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Coastal Financial ranks #221 out of 1608 companies in the Banks industry, placing it in the top 13.7%.
Is Coastal Financial's Moat Score too high?
Coastal Financial's current Moat Score is 4. Based on the distribution chart, Coastal Financial ranks #221 out of 1608 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Coastal Financial has a GF Score™ of 61/100, reflecting its overall financial health beyond just this single metric.
How does Coastal Financial's Moat Score compare to NBN and AMTB?
According to the Banks industry distribution chart, Coastal Financial ranks #221 out of 1608 companies for Moat Score. This places Coastal Financial in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Coastal Financial's current Moat Score is 4. 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?
Coastal Financial (FRA:1VD) has a current Moat Score of 4. The stock's GF Value™ is €72.62, compared to a current price of €38.60 — trading 46.8% below its estimated fair value. The current Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Coastal Financial (FRA:1VD), the current Moat Score is 4 as of Aug. 24, 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 (FRA:1VD) Overvalued in 2026?

Based on GuruFocus' analysis, Coastal Financial stock appears to be undervalued. The current stock price of €38.60 is trading 46.8% below its estimated GF Value™ of €72.62.

Key valuation signals for FRA:1VD:

  • Moat Score: 4
  • GF Value™: €72.62 vs. price of €38.60 (46.8% below fair value)
  • GF Score™: 61/100 with 1 warning sign

No single metric tells the full story. See the FRA:1VD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Coastal Financial Business Description

Other Exchanges CCB:USA
Address 5415 Evergreen Way, Everett, WA, USA, 98203
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

Get the complete analysis for FRA:1VD

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€38.60
Price
€72.62
GF Value