What is Coastal Financial Corp worth?
With the base-case assumptions below, a discounted cash flow model on Coastal Financial Corp's reported free cash flow gives $228.88 per share. The share price was $44.82 on September 25, 2026, 80% below that value.
Inputs from the filings
Three sets of assumptions
| Case | Growth yrs 1-5 | Discount rate | Value per share | Value vs price |
|---|---|---|---|---|
| Bear | -10.0% | 10.0% | $169.26 | +278% |
| Base | -5.0% | 9.0% | $228.88 | +411% |
| Bull | 0.0% | 8.0% | $340.02 | +659% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $268.55 | $280.22 | $294.49 | $312.31 | $335.24 |
| 8.0% | $239.29 | $246.85 | $255.80 | $266.53 | $279.65 |
| 9.0% | $217.73 | $222.91 | $228.88 | $235.84 | $244.07 |
| 10.0% | $201.18 | $204.86 | $209.03 | $213.80 | $219.30 |
| 11.0% | $188.05 | $190.75 | $193.76 | $197.16 | $201.00 |
Where the presets come from
Base: years 1 to 5 grow at Coastal Financial Corp's revenue growth rate over the last 4 fiscal years (-8.3% a year), held between -5% and 15%. Years 6 to 10 grow halfway between that and the long-run rate of 2.5%. Future cash is discounted at 9% a year.
Bear: 5 points less growth, 2% long-run growth, 10% discount rate. Bull: 5 points more growth (at most 25%), 3% long-run growth, 8% discount rate.
Value per share = (present value of 10 years of free cash flow + present value of everything after + cash - debt) / diluted shares.
This is a model run on assumptions, not a recommendation or a price target. Small changes in the discount rate or growth move the result a lot, as the table above shows. Change them yourself in the calculator.
Adjust the assumptions
Move the sliders for growth, long-run growth and discount rate, or switch to average free cash flow, and see the value per share change.
Adjust the assumptions