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COASTAL FINANCIAL CORP/WA (CCB) Stock Fundamental Analysis

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

107.57  -0.29 (-0.27%)

After market: 107.57 0 (0%)

Fundamental Rating

4

Taking everything into account, CCB scores 4 out of 10 in our fundamental rating. CCB was compared to 394 industry peers in the Banks industry. CCB may be in some trouble as it scores bad on both profitability and health. CCB is not priced too expensively while it is growing strongly. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

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3

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.
CCB had positive earnings in each of the past 5 years.
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

The Return On Assets of CCB (1.12%) is better than 74.81% of its industry peers.
CCB has a better Return On Equity (10.79%) than 76.08% of its industry peers.
Industry RankSector Rank
ROA 1.12%
ROE 10.79%
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

The Profit Margin of CCB (8.48%) is worse than 84.22% of its industry peers.
In the last couple of years the Profit Margin of CCB has declined.
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) 8.48%
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.
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.
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.
With an excellent Debt to FCF ratio value of 0.19, CCB belongs to the best of the industry, outperforming 87.53% of the companies in the same industry.
A Debt/Equity ratio of 0.11 indicates that CCB is not too dependend on debt financing.
The Debt to Equity ratio of CCB (0.11) is better than 68.70% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.19
Altman-Z N/A
ROIC/WACCN/A
WACC14.52%
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 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
The Revenue has grown by 10.09% in the past year. This is quite good.
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)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

Based on estimates for the next years, CCB will show a very strong growth in Earnings Per Share. The EPS will grow by 46.08% on average per year.
CCB is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 20.23% yearly.
EPS Next Y20.84%
EPS Next 2Y46.08%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.06%
Revenue Next 2Y20.23%
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.
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

With a Price/Earnings ratio of 33.10, CCB can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Earnings ratio of CCB indicates a rather expensive valuation: CCB more expensive than 85.24% of the companies listed in the same industry.
CCB's Price/Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 26.87.
A Price/Forward Earnings ratio of 15.51 indicates a correct valuation of CCB.
74.55% 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 (35.34), we can say CCB is valued rather cheaply.
Industry RankSector Rank
PE 33.1
Fwd PE 15.51
CCB Price Earnings VS Forward Price EarningsCCB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

CCB's Price/Free Cash Flow ratio is rather cheap when compared to the industry. CCB is cheaper than 87.53% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.28
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 PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
CCB's earnings are expected to grow with 46.08% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.59
PEG (5Y)1.36
EPS Next 2Y46.08%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

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

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COASTAL FINANCIAL CORP/WA

NASDAQ:CCB (8/15/2025, 8:09:14 PM)

After market: 107.57 0 (0%)

107.57

-0.29 (-0.27%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-29 2025-07-29/bmo
Earnings (Next)10-27 2025-10-27
Inst Owners74.08%
Inst Owner Change-0.71%
Ins Owners16.03%
Ins Owner Change-0.29%
Market Cap1.62B
Analysts85
Price Target117.81 (9.52%)
Short Float %6.02%
Short Ratio6.83
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)1
Avg EPS beat(2)-12.6%
Min EPS beat(2)-26.09%
Max EPS beat(2)0.89%
EPS beat(4)3
Avg EPS beat(4)-5.19%
Min EPS beat(4)-26.09%
Max EPS beat(4)3.64%
EPS beat(8)3
Avg EPS beat(8)-11.11%
EPS beat(12)7
Avg EPS beat(12)-2.62%
EPS beat(16)11
Avg EPS beat(16)0.65%
Revenue beat(2)0
Avg Revenue beat(2)-10.2%
Min Revenue beat(2)-11.04%
Max Revenue beat(2)-9.36%
Revenue beat(4)0
Avg Revenue beat(4)-10.42%
Min Revenue beat(4)-19.01%
Max Revenue beat(4)-2.28%
Revenue beat(8)2
Avg Revenue beat(8)-2.36%
Revenue beat(12)6
Avg Revenue beat(12)2.16%
Revenue beat(16)10
Avg Revenue beat(16)9.25%
PT rev (1m)10%
PT rev (3m)10%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 33.1
Fwd PE 15.51
P/S 2.83
P/FCF 6.28
P/OCF 6.02
P/B 3.61
P/tB 3.61
EV/EBITDA N/A
EPS(TTM)3.25
EY3.02%
EPS(NY)6.94
Fwd EY6.45%
FCF(TTM)17.14
FCFY15.93%
OCF(TTM)17.86
OCFY16.6%
SpS37.96
BVpS29.82
TBVpS29.82
PEG (NY)1.59
PEG (5Y)1.36
Profitability
Industry RankSector Rank
ROA 1.12%
ROE 10.79%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 8.48%
GM N/A
FCFM 45.14%
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-Score8
Asset Turnover0.13
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.19
Debt/EBITDA N/A
Cap/Depr 208.04%
Cap/Sales 1.9%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 532.61%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC14.52%
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 Y20.84%
EPS Next 2Y46.08%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.09%
Revenue growth 3Y75.51%
Revenue growth 5Y63.14%
Sales Q2Q%-12.28%
Revenue Next Year6.06%
Revenue Next 2Y20.23%
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 1Y148.89%
FCF growth 3Y109.29%
FCF growth 5Y82.16%
OCF growth 1Y154.94%
OCF growth 3Y105.7%
OCF growth 5Y80.21%