Logo image of CCB

COASTAL FINANCIAL CORP/WA (CCB) Stock Fundamental Analysis

NASDAQ:CCB - Nasdaq - US19046P2092 - Common Stock - Currency: USD

87.13  -1.17 (-1.33%)

Fundamental Rating

4

Overall CCB gets a fundamental rating of 4 out of 10. We evaluated CCB against 398 industry peers in the Banks industry. CCB has a bad profitability rating. Also its financial health evaluation is rather negative. CCB is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

Quickly go to:

3

1. Profitability

1.1 Basic Checks

In the past year CCB was profitable.
CCB had a positive operating cash flow in the past year.
Each year in the past 5 years CCB has been profitable.
In the past 5 years CCB always reported a positive cash flow from operatings.
CCB Yearly Net Income VS EBIT VS OCF VS FCFCCB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

1.2 Ratios

CCB has a Return On Assets of 1.10%. This is in the better half of the industry: CCB outperforms 73.37% of its industry peers.
CCB's Return On Equity of 10.31% is fine compared to the rest of the industry. CCB outperforms 70.35% of its industry peers.
Industry RankSector Rank
ROA 1.1%
ROE 10.31%
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
CCB Yearly ROA, ROE, ROICCCB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

With a Profit Margin value of 7.78%, CCB is not doing good in the industry: 86.18% of the companies in the same industry are doing better.
CCB's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for CCB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 7.78%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-32.34%
PM growth 5Y-21.59%
GM growth 3YN/A
GM growth 5YN/A
CCB Yearly Profit, Operating, Gross MarginsCCB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

More info and screens

3

2. Health

2.1 Basic Checks

CCB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CCB has more shares outstanding
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.
CCB Yearly Shares OutstandingCCB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M
CCB Yearly Total Debt VS Total AssetsCCB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.2 Solvency

The Debt to FCF ratio of CCB is 0.19, which is an excellent value as it means it would take CCB, only 0.19 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of CCB (0.19) is better than 88.44% of its industry peers.
CCB has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
CCB has a better Debt to Equity ratio (0.11) than 70.10% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.19
Altman-Z N/A
ROIC/WACCN/A
WACC15.79%
CCB Yearly LT Debt VS Equity VS FCFCCB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CCB Yearly Current Assets VS Current LiabilitesCCB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

More info and screens

9

3. Growth

3.1 Past

The earnings per share for CCB have decreased by -0.61% in the last year.
CCB shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 24.42% yearly.
The Revenue has grown by 30.34% in the past year. This is a very strong growth!
CCB shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 63.14% yearly.
EPS 1Y (TTM)-0.61%
EPS 3Y15.85%
EPS 5Y24.42%
EPS Q2Q%42.42%
Revenue 1Y (TTM)30.34%
Revenue growth 3Y75.51%
Revenue growth 5Y63.14%
Sales Q2Q%15.22%

3.2 Future

CCB is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 51.90% yearly.
The Revenue is expected to grow by 28.08% on average over the next years. This is a very strong growth
EPS Next Y44.11%
EPS Next 2Y51.9%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year20.53%
Revenue Next 2Y28.08%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
CCB Yearly Revenue VS EstimatesCCB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M 800M
CCB Yearly EPS VS EstimatesCCB Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6

More info and screens

4

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 26.81, the valuation of CCB can be described as expensive.
Based on the Price/Earnings ratio, CCB is valued more expensive than 83.92% of the companies in the same industry.
When comparing the Price/Earnings ratio of CCB to the average of the S&P500 Index (28.92), we can say CCB is valued inline with the index average.
Based on the Price/Forward Earnings ratio of 18.60, the valuation of CCB can be described as rather expensive.
CCB's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. CCB is more expensive than 75.63% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of CCB to the average of the S&P500 Index (21.65), we can say CCB is valued inline with the index average.
Industry RankSector Rank
PE 26.81
Fwd PE 18.6
CCB Price Earnings VS Forward Price EarningsCCB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, CCB is valued cheaply inside the industry as 91.46% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 5.23
EV/EBITDA N/A
CCB Per share dataCCB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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.
CCB's earnings are expected to grow with 51.90% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.61
PEG (5Y)1.1
EPS Next 2Y51.9%
EPS Next 3YN/A

More info and screens

0

5. Dividend

5.1 Amount

No dividends for CCB!.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

COASTAL FINANCIAL CORP/WA

NASDAQ:CCB (4/25/2025, 12:02:21 PM)

87.13

-1.17 (-1.33%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-23 2025-04-23
Earnings (Next)07-28 2025-07-28
Inst Owners69.09%
Inst Owner Change0.02%
Ins Owners16.74%
Ins Owner Change-1.26%
Market Cap1.31B
Analysts85
Price Target111.95 (28.49%)
Short Float %3.65%
Short Ratio3.49
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)0.86%
Min EPS beat(2)0.83%
Max EPS beat(2)0.89%
EPS beat(4)3
Avg EPS beat(4)-7.3%
Min EPS beat(4)-34.54%
Max EPS beat(4)3.64%
EPS beat(8)4
Avg EPS beat(8)-7.45%
EPS beat(12)8
Avg EPS beat(12)-0.04%
EPS beat(16)12
Avg EPS beat(16)4.01%
Revenue beat(2)0
Avg Revenue beat(2)-5.82%
Min Revenue beat(2)-9.36%
Max Revenue beat(2)-2.28%
Revenue beat(4)1
Avg Revenue beat(4)-2.51%
Min Revenue beat(4)-19.01%
Max Revenue beat(4)20.62%
Revenue beat(8)3
Avg Revenue beat(8)0.41%
Revenue beat(12)7
Avg Revenue beat(12)6.79%
Revenue beat(16)11
Avg Revenue beat(16)10.36%
PT rev (1m)8.5%
PT rev (3m)19.89%
EPS NQ rev (1m)-4.16%
EPS NQ rev (3m)-4.16%
EPS NY rev (1m)-4.19%
EPS NY rev (3m)-11.04%
Revenue NQ rev (1m)-0.25%
Revenue NQ rev (3m)-0.25%
Revenue NY rev (1m)-0.85%
Revenue NY rev (3m)-5.29%
Valuation
Industry RankSector Rank
PE 26.81
Fwd PE 18.6
P/S 2.25
P/FCF 5.23
P/OCF 5.03
P/B 2.98
P/tB 2.98
EV/EBITDA N/A
EPS(TTM)3.25
EY3.73%
EPS(NY)4.68
Fwd EY5.38%
FCF(TTM)16.65
FCFY19.11%
OCF(TTM)17.31
OCFY19.86%
SpS38.72
BVpS29.23
TBVpS29.23
PEG (NY)0.61
PEG (5Y)1.1
Profitability
Industry RankSector Rank
ROA 1.1%
ROE 10.31%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 7.78%
GM N/A
FCFM 42.99%
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-32.34%
PM growth 5Y-21.59%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.14
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.19
Debt/EBITDA N/A
Cap/Depr 217.49%
Cap/Sales 1.7%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 552.61%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC15.79%
ROIC/WACCN/A
Cap/Depr(3y)214.22%
Cap/Depr(5y)240.08%
Cap/Sales(3y)1.36%
Cap/Sales(5y)2.94%
Profit Quality(3y)375.52%
Profit Quality(5y)263.99%
High Growth Momentum
Growth
EPS 1Y (TTM)-0.61%
EPS 3Y15.85%
EPS 5Y24.42%
EPS Q2Q%42.42%
EPS Next Y44.11%
EPS Next 2Y51.9%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)30.34%
Revenue growth 3Y75.51%
Revenue growth 5Y63.14%
Sales Q2Q%15.22%
Revenue Next Year20.53%
Revenue Next 2Y28.08%
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 1Y34.86%
FCF growth 3Y109.29%
FCF growth 5Y82.16%
OCF growth 1Y35.63%
OCF growth 3Y105.7%
OCF growth 5Y80.21%