CCB (Coastal Financial) Scaled Net Operating Assets: -0.09 (As of Jun. 2026)

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CCB Coastal Financial Corp CCB
61 GF Score
Price $46.37
GF Value $87.46
Valuation Significantly Undervalued
! 1 Warning Sign
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What is Coastal Financial Scaled Net Operating Assets?

Coastal Financial CCB +0.38% 61 Scaled Net Operating Assets is -0.09 as of Jun. 2026. GuruFocus rates CCB with a GF Score™ of 61/100 and a GF Value™ of $87.46 (Significantly Undervalued). The stock has 1 warning sign investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Coastal Financial's operating assets for the quarter that ended in Jun. 2026 was $4,447.7 Mil. Coastal Financial's operating liabilities for the quarter that ended in Jun. 2026 was $4,940.1 Mil. Coastal Financial's Total Assets for the quarter that ended in Mar. 2026 was $5,663.8 Mil. Therefore, Coastal Financial's scaled net operating assets (SNOA) for the quarter that ended in Jun. 2026 was -0.09.

CCB
61GF Score
Coastal Financial Corp CCB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Coastal Financial Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Coastal Financial's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(4004.467-4197.458)/4121.208
=-0.05

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=4741.437 - 736.97
=4004.467

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=4250.478 - 53.02 - 0
=4197.458

Coastal Financial's Scaled Net Operating Assets (SNOA) for the quarter that ended in Jun. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Jun. 2026 )
=(Operating Assets (Q: Jun. 2026 )-Operating Liabilities (Q: Jun. 2026 ))/Total Assets (Q: Mar. 2026 )
=(4447.704-4940.071)/5663.829
=-0.09

where

Operating Assets(Q: Jun. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=5456.152 - 1008.448
=4447.704

Operating Liabilities(Q: Jun. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=4992.705 - 52.634 - 0
=4940.071

* 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.

What does a Scaled Net Operating Assets of -0.09 mean?
Coastal Financial (CCB) has a Scaled Net Operating Assets of -0.09 as of Jun. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Coastal Financial and its competitors.
Is Coastal Financial's Scaled Net Operating Assets too high?
Coastal Financial's current Scaled Net Operating Assets is -0.09. 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 Scaled Net Operating Assets compare to NBN and AMTB?
Coastal Financial's Scaled Net Operating Assets of -0.09 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Coastal Financial and its competitors. Coastal Financial's current Scaled Net Operating Assets is -0.09. 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 Scaled Net Operating Assets is -0.09. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Coastal Financial (CCB), the current Scaled Net Operating Assets 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% below its estimated GF Value™ of $87.46. GuruFocus considers Coastal Financial to be Significantly Undervalued.

Key valuation signals for CCB:

  • Scaled Net Operating Assets: -0.09
  • GF Value™: $87.46 vs. price of $46.37 (47% below fair value)
  • GF Score™: 61/100 with 1 warning sign

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 Business Description

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

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$46.37
Price
$87.46
GF Value