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Coastal Financial (NAS:CCB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Coastal Financial Net Margin % Related Terms
Coastal Financial Net Margin % Historical Data
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The historical data trend for Coastal Financial's Net Margin % 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.
For the Banks - Regional subindustry, Coastal Financial's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Coastal Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where Coastal Financial's Net Margin % falls into.
* 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 Net Margin % of -31.57% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Coastal Financial and its competitors. According to the industry distribution chart, Coastal Financial ranks #1467 out of 1526 companies in the Banks industry, placing it in the top 96.1%.
Is Coastal Financial's Net Margin % too high?
Coastal Financial's current Net Margin % is -31.57%. Based on the distribution chart, Coastal Financial ranks #1467 out of 1526 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Net Margin % compare to NBN and AMTB?
According to the Banks industry distribution chart, Coastal Financial ranks #1467 out of 1526 companies for Net Margin %. This places Coastal Financial in the lower half of its industry. The industry median Net Margin % is 27.30. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.30, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Coastal Financial and its competitors. For the Banks industry, the median Net Margin % is 27.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Coastal Financial's current Net Margin % is -31.57%. 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 $87.46, compared to a current price of $46.37 — trading 47% below its estimated fair value. The current Net Margin % is -31.57%. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Coastal Financial (CCB), the current Net Margin % is -31.57% 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% below its estimated GF Value™ of $87.46.
GuruFocus considers Coastal Financial to be Significantly Undervalued.
Key valuation signals for CCB:
Net Margin %: -31.57%
GF Value™: $87.46 vs. price of $46.37 (47% below fair value)
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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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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