COASTAL FINANCIAL CORP/WA(NASDAQ:CCB) stock Fundamental Analysis

Fundamental Rating

Overall CCB gets a fundamental rating of 4 out of 10. We evaluated CCB against 404 industry peers in the Banks industry. Both the profitability and financial health of CCB have multiple concerns. CCB is growing strongly while it is still valued neutral. This is a good combination!

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1. Profitability

1.1 Basic Checks

CCB had positive earnings in the past year.

In the past year CCB had a positive cash flow from operations.

Each year in the past 5 years CCB has been profitable.

Of the past 5 years CCB 4 years had a positive operating cash flow.

1.2 Ratios

CCB has a better Return On Assets (1.01%) than 70.10% of its industry peers.

With an excellent Return On Equity value of 12.31%, CCB belongs to the best of the industry, outperforming 84.67% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.01%
ROE	12.31%
ROIC	N/A

ROA(3y)1.19%

ROA(5y)1.09%

ROE(3y)14.03%

ROE(5y)13.26%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin of CCB (7.29%) is worse than 86.93% of its industry peers.

CCB's Profit Margin has declined in the last couple of years.

CCB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	7.29%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-32.27%

PM growth 5Y-21.54%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

CCB does not have a ROIC to compare to the WACC, probably because it is not profitable.

CCB has more shares outstanding than it did 1 year ago.

The number of shares outstanding for CCB has been increased compared to 5 years ago.

CCB has a better debt/assets ratio than last year.

2.2 Solvency

CCB has a debt to FCF ratio of 0.20. This is a very positive value and a sign of high solvency as it would only need 0.20 years to pay back of all of its debts.

CCB has a better Debt to FCF ratio (0.20) than 88.19% of its industry peers.

A Debt/Equity ratio of 0.14 indicates that CCB is not too dependend on debt financing.

CCB has a better Debt to Equity ratio (0.14) than 64.32% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.14
Debt/FCF	0.2
Altman-Z	N/A

ROIC/WACCN/A

WACC13.98%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for CCB have decreased by -0.61% in the last year.

Measured over the past years, CCB shows a very strong growth in Earnings Per Share. The EPS has been growing by 24.42% on average per year.

The Revenue has grown by 29.96% in the past year. This is a very strong growth!

The Revenue has been growing by 63.05% on average over the past years. This is a very strong growth!

EPS 1Y (TTM)-0.61%

EPS 3Y15.85%

EPS 5Y24.42%

EPS Q2Q%42.42%

Revenue 1Y (TTM)29.96%

Revenue growth 3Y75.35%

Revenue growth 5Y63.05%

Sales Q2Q%15.22%

3.2 Future

Based on estimates for the next years, CCB will show a very strong growth in Earnings Per Share. The EPS will grow by 52.74% on average per year.

CCB is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 28.45% yearly.

EPS Next Y50.41%

EPS Next 2Y52.74%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year21.56%

Revenue Next 2Y28.45%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.

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4. Valuation

4.1 Price/Earnings Ratio

CCB is valuated quite expensively with a Price/Earnings ratio of 28.14.

Compared to the rest of the industry, the Price/Earnings ratio of CCB indicates a rather expensive valuation: CCB more expensive than 84.42% of the companies listed in the same industry.

CCB's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 30.30.

A Price/Forward Earnings ratio of 18.71 indicates a rather expensive valuation of CCB.

75.63% of the companies in the same industry are cheaper than CCB, based on the Price/Forward Earnings ratio.

When comparing the Price/Forward Earnings ratio of CCB to the average of the S&P500 Index (23.06), we can say CCB is valued inline with the index average.

		Industry Rank	Sector Rank
PE	28.14
Fwd PE	18.71

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of CCB indicates a rather cheap valuation: CCB is cheaper than 91.46% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	5.72
EV/EBITDA	N/A

4.3 Compensation for Growth

CCB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

A more expensive valuation may be justified as CCB's earnings are expected to grow with 52.74% in the coming years.

PEG (NY)0.56

PEG (5Y)1.15

EPS Next 2Y52.74%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

CCB does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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COASTAL FINANCIAL CORP/WA

NASDAQ:CCB (2/20/2025, 8:03:35 PM)

After market: 91.47 0 (0%)

91.47

-0.83 (-0.9%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-28 2025-01-28/bmo

Earnings (Next)04-28 2025-04-28

Inst Owners61.21%

Inst Owner Change17.47%

Ins Owners19.01%

Ins Owner Change1.33%

Market Cap1.37B

Analysts85

Price Target92.31 (0.92%)

Short Float %3.61%

Short Ratio3.61

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Yearly Dividend0.14

Dividend Growth(5Y)6.81%

DPN/A

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)2.23%

Min EPS beat(2)0.83%

Max EPS beat(2)3.64%

EPS beat(4)2

Avg EPS beat(4)-10.07%

Min EPS beat(4)-34.54%

Max EPS beat(4)3.64%

EPS beat(8)4

Avg EPS beat(8)-6.14%

EPS beat(12)8

Avg EPS beat(12)0.51%

EPS beat(16)12

Avg EPS beat(16)4.06%

Revenue beat(2)0

Avg Revenue beat(2)-10.64%

Min Revenue beat(2)-19.01%

Max Revenue beat(2)-2.28%

Revenue beat(4)2

Avg Revenue beat(4)7.37%

Min Revenue beat(4)-19.01%

Max Revenue beat(4)30.15%

Revenue beat(8)4

Avg Revenue beat(8)2.69%

Revenue beat(12)8

Avg Revenue beat(12)11.83%

Revenue beat(16)12

Avg Revenue beat(16)11.47%

PT rev (1m)0%

PT rev (3m)38.7%

EPS NQ rev (1m)-4.16%

EPS NQ rev (3m)-4.16%

EPS NY rev (1m)-7.15%

EPS NY rev (3m)-12.95%

Revenue NQ rev (1m)-0.25%

Revenue NQ rev (3m)-0.25%

Revenue NY rev (1m)-4.47%

Revenue NY rev (3m)-4.32%

Valuation

		Industry Rank	Sector Rank
PE	28.14
Fwd PE	18.71
P/S	2.44
P/FCF	5.72
P/OCF	5.51
P/B	4.12
P/tB	4.12
EV/EBITDA	N/A

EPS(TTM)3.25

EY3.55%

EPS(NY)4.89

Fwd EY5.34%

FCF(TTM)15.99

FCFY17.48%

OCF(TTM)16.61

OCFY18.16%

SpS37.53

BVpS22.22

TBVpS22.22

PEG (NY)0.56

PEG (5Y)1.15

Profitability

		Industry Rank	Sector Rank
ROA	1.01%
ROE	12.31%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	7.29%
GM	N/A
FCFM	42.61%

ROA(3y)1.19%

ROA(5y)1.09%

ROE(3y)14.03%

ROE(5y)13.26%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-32.27%

PM growth 5Y-21.54%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.14

Health

		Industry Rank	Sector Rank
Debt/Equity	0.14
Debt/FCF	0.2
Debt/EBITDA	N/A
Cap/Depr	239.37%
Cap/Sales	1.64%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	584.64%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC13.98%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-0.61%

EPS 3Y15.85%

EPS 5Y24.42%

EPS Q2Q%42.42%

EPS Next Y50.41%

EPS Next 2Y52.74%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)29.96%

Revenue growth 3Y75.35%

Revenue growth 5Y63.05%

Sales Q2Q%15.22%

Revenue Next Year21.56%

Revenue Next 2Y28.45%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y42.89%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y44.85%

OCF growth 3YN/A

OCF growth 5YN/A

COASTAL FINANCIAL CORP/WA (CCB) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

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