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COASTAL FINANCIAL CORP/WA (CCB) Stock Fundamental Analysis

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

82.15  -5.05 (-5.79%)

After market: 82.15 0 (0%)

Fundamental Rating

4

Taking everything into account, CCB scores 4 out of 10 in our fundamental rating. CCB was compared to 398 industry peers in the Banks industry. CCB may be in some trouble as it scores bad on both profitability and health. CCB is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

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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 73.87% of its industry peers.
CCB has a better Return On Equity (10.31%) than 70.10% 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

CCB's Profit Margin of 7.78% is on the low side compared to the rest of the industry. CCB is outperformed by 85.68% of its industry peers.
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

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3

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.
Compared to 1 year ago, CCB has an improved debt to assets ratio.
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.
Looking at the Debt to FCF ratio, with a value of 0.19, CCB belongs to the top of the industry, outperforming 87.44% of the companies in the same industry.
A Debt/Equity ratio of 0.11 indicates that CCB is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.11, CCB is in the better half of the industry, outperforming 69.10% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.19
Altman-Z N/A
ROIC/WACCN/A
WACC16.08%
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

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9

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 30.34% in the past year. This is a very strong growth!
Measured over the past years, CCB shows a very strong growth in Revenue. The Revenue has been growing by 63.14% on average per year.
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

Based on estimates for the next years, CCB will show a very strong growth in Earnings Per Share. The EPS will grow by 51.90% on average per year.
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.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in 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

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4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 25.28 indicates a quite expensive valuation of CCB.
83.67% of the companies in the same industry are cheaper than CCB, based on the Price/Earnings ratio.
CCB is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 28.88, which is the current average of the S&P500 Index.
CCB is valuated rather expensively with a Price/Forward Earnings ratio of 17.54.
Based on the Price/Forward Earnings ratio, CCB is valued a bit more expensive than the industry average as 75.63% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.20, CCB is valued at the same level.
Industry RankSector Rank
PE 25.28
Fwd PE 17.54
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

CCB's Price/Free Cash Flow ratio is rather cheap when compared to the industry. CCB is cheaper than 91.96% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.93
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

The 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)0.57
PEG (5Y)1.04
EPS Next 2Y51.9%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

CCB does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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COASTAL FINANCIAL CORP/WA

NASDAQ:CCB (4/30/2025, 5:57:52 PM)

After market: 82.15 0 (0%)

82.15

-5.05 (-5.79%)

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 Change0.42%
Ins Owners16.74%
Ins Owner Change-0.94%
Market Cap1.23B
Analysts85
Price Target111.95 (36.28%)
Short Float %5.51%
Short Ratio5.21
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)9.75%
PT rev (3m)21.27%
EPS NQ rev (1m)-9.97%
EPS NQ rev (3m)-20.75%
EPS NY rev (1m)-3.87%
EPS NY rev (3m)-11.04%
Revenue NQ rev (1m)-0.89%
Revenue NQ rev (3m)-7.07%
Revenue NY rev (1m)-0.85%
Revenue NY rev (3m)-5.29%
Valuation
Industry RankSector Rank
PE 25.28
Fwd PE 17.54
P/S 2.12
P/FCF 4.93
P/OCF 4.75
P/B 2.81
P/tB 2.81
EV/EBITDA N/A
EPS(TTM)3.25
EY3.96%
EPS(NY)4.68
Fwd EY5.7%
FCF(TTM)16.65
FCFY20.27%
OCF(TTM)17.31
OCFY21.07%
SpS38.72
BVpS29.23
TBVpS29.23
PEG (NY)0.57
PEG (5Y)1.04
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
WACC16.08%
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%