COASTAL FINANCIAL CORP/WA (CCB) Stock Fundamental Analysis
USA - NASDAQ:CCB - US19046P2092 - Common Stock
105.54 USD
+1.43 (+1.37%)
105.54 USD
0 (0%)
CCB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 390 industry peers in the Banks industry. CCB has a bad profitability rating. Also its financial health evaluation is rather negative. CCB shows excellent growth, but is valued quite expensive already.
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.
CCB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.06%, CCB is in the better half of the industry, outperforming 71.79% of the companies in the same industry.
Looking at the Return On Equity, with a value of 10.31%, CCB is in the better half of the industry, outperforming 68.46% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.06% | ||
| 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
1.3 Margins
CCB's Profit Margin of 8.56% is on the low side compared to the rest of the industry. CCB is outperformed by 85.13% 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) | 8.56% | ||
| 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
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
Compared to 5 years ago, CCB has more shares outstanding
Compared to 1 year ago, CCB has an improved debt to assets ratio.
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 86.15% of its industry peers.
CCB has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
CCB has a Debt to Equity ratio of 0.10. This is in the better half of the industry: CCB outperforms 67.95% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.19 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.39%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 18.18% over the past year.
The Earnings Per Share has been growing by 24.42% on average over the past years. This is a very strong growth
CCB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.09%.
The Revenue has been growing by 63.14% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)18.18%
EPS 3Y15.85%
EPS 5Y24.42%
EPS Q2Q%-15.48%
Revenue 1Y (TTM)10.09%
Revenue growth 3Y75.51%
Revenue growth 5Y63.14%
Sales Q2Q%-12.28%
3.2 Future
The Earnings Per Share is expected to grow by 39.52% on average over the next years. This is a very strong growth
CCB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.50% yearly.
EPS Next Y4.52%
EPS Next 2Y40.09%
EPS Next 3Y39.52%
EPS Next 5YN/A
Revenue Next Year-7.04%
Revenue Next 2Y12.03%
Revenue Next 3Y6.5%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
CCB is valuated quite expensively with a Price/Earnings ratio of 32.47.
Based on the Price/Earnings ratio, CCB is valued expensively inside the industry as 85.64% of the companies are valued cheaper.
The average S&P500 Price/Earnings ratio is at 26.13. CCB is valued slightly more expensive when compared to this.
The Price/Forward Earnings ratio is 16.55, which indicates a correct valuation of CCB.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CCB indicates a slightly more expensive valuation: CCB is more expensive than 76.41% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.35. CCB is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 32.47 | ||
| Fwd PE | 16.55 |
4.2 Price Multiples
89.23% of the companies in the same industry are more expensive than CCB, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.3 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
CCB's earnings are expected to grow with 39.52% in the coming years. This may justify a more expensive valuation.
PEG (NY)7.19
PEG (5Y)1.33
EPS Next 2Y40.09%
EPS Next 3Y39.52%
5. Dividend
5.1 Amount
CCB does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
105.54
+1.43 (+1.37%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners75.97%
Inst Owner Change1.58%
Ins Owners15.35%
Ins Owner Change-2.26%
Market Cap1.59B
Revenue(TTM)556.16M
Net Income(TTM)47.58M
Analysts84.44
Price Target129.74 (22.93%)
Short Float %10.57%
Short Ratio11.07
Dividend
| Industry Rank | Sector 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)0
Avg EPS beat(2)-20.98%
Min EPS beat(2)-26.09%
Max EPS beat(2)-15.86%
EPS beat(4)2
Avg EPS beat(4)-10.06%
Min EPS beat(4)-26.09%
Max EPS beat(4)0.89%
EPS beat(8)3
Avg EPS beat(8)-12.7%
EPS beat(12)6
Avg EPS beat(12)-7.39%
EPS beat(16)10
Avg EPS beat(16)-0.36%
Revenue beat(2)0
Avg Revenue beat(2)-16.46%
Min Revenue beat(2)-21.87%
Max Revenue beat(2)-11.04%
Revenue beat(4)0
Avg Revenue beat(4)-11.14%
Min Revenue beat(4)-21.87%
Max Revenue beat(4)-2.28%
Revenue beat(8)2
Avg Revenue beat(8)-4.62%
Revenue beat(12)5
Avg Revenue beat(12)-0.46%
Revenue beat(16)9
Avg Revenue beat(16)7.2%
PT rev (1m)6.89%
PT rev (3m)19.72%
EPS NQ rev (1m)0.99%
EPS NQ rev (3m)-17.58%
EPS NY rev (1m)0.1%
EPS NY rev (3m)-13.51%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.74%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-12.35%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 32.47 | ||
| Fwd PE | 16.55 | ||
| P/S | 2.87 | ||
| P/FCF | 6.3 | ||
| P/OCF | 6.05 | ||
| P/B | 3.45 | ||
| P/tB | 3.45 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.25
EY3.08%
EPS(NY)6.38
Fwd EY6.04%
FCF(TTM)16.76
FCFY15.88%
OCF(TTM)17.44
OCFY16.52%
SpS36.81
BVpS30.56
TBVpS30.56
PEG (NY)7.19
PEG (5Y)1.33
Graham Number47.27
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.06% | ||
| ROE | 10.31% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 8.56% | ||
| GM | N/A | ||
| FCFM | 45.52% |
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
ROICexgc growth 3YN/A
ROICexgc 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-Score7
Asset Turnover0.12
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.19 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 178.05% | ||
| Cap/Sales | 1.86% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 532.09% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC14.39%
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)18.18%
EPS 3Y15.85%
EPS 5Y24.42%
EPS Q2Q%-15.48%
EPS Next Y4.52%
EPS Next 2Y40.09%
EPS Next 3Y39.52%
EPS Next 5YN/A
Revenue 1Y (TTM)10.09%
Revenue growth 3Y75.51%
Revenue growth 5Y63.14%
Sales Q2Q%-12.28%
Revenue Next Year-7.04%
Revenue Next 2Y12.03%
Revenue Next 3Y6.5%
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 1Y102.22%
FCF growth 3Y109.29%
FCF growth 5Y82.16%
OCF growth 1Y106.83%
OCF growth 3Y105.7%
OCF growth 5Y80.21%
COASTAL FINANCIAL CORP/WA / CCB FAQ
What is the ChartMill fundamental rating of COASTAL FINANCIAL CORP/WA (CCB) stock?
ChartMill assigns a fundamental rating of 4 / 10 to CCB.
What is the valuation status for CCB stock?
ChartMill assigns a valuation rating of 3 / 10 to COASTAL FINANCIAL CORP/WA (CCB). This can be considered as Overvalued.
Can you provide the profitability details for COASTAL FINANCIAL CORP/WA?
COASTAL FINANCIAL CORP/WA (CCB) has a profitability rating of 3 / 10.
What is the earnings growth outlook for COASTAL FINANCIAL CORP/WA?
The Earnings per Share (EPS) of COASTAL FINANCIAL CORP/WA (CCB) is expected to grow by 4.52% in the next year.