COASTAL FINANCIAL CORP/WA (CCB) Fundamental Analysis & Valuation

NASDAQ:CCB • US19046P2092

Current stock price

75.42 USD
-3.07 (-3.91%)
At close:
75.42 USD
0 (0%)
After Hours:

This CCB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. CCB Profitability Analysis

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.
  • CCB had a positive operating cash flow in 4 of the past 5 years.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M

1.2 Ratios

  • CCB has a Return On Assets of 1.05%. This is in the better half of the industry: CCB outperforms 62.47% of its industry peers.
  • With a decent Return On Equity value of 10.04%, CCB is doing good in the industry, outperforming 63.25% of the companies in the same industry.
Industry RankSector Rank
ROA 1.05%
ROE 10.04%
ROIC N/A
ROA(3y)1.09%
ROA(5y)1.12%
ROE(3y)11.66%
ROE(5y)13.02%
ROIC(3y)N/A
ROIC(5y)N/A
CCB Yearly ROA, ROE, ROICCCB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • CCB's Profit Margin of 8.70% is on the low side compared to the rest of the industry. CCB is outperformed by 86.61% of its industry peers.
  • In the last couple of years the Profit Margin of CCB has declined.
  • CCB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 8.7%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-14.11%
PM growth 5Y-17.73%
GM growth 3YN/A
GM growth 5YN/A
CCB Yearly Profit, Operating, Gross MarginsCCB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. CCB Health Analysis

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
  • CCB has more shares outstanding than it did 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 2025 5M 10M 15M
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 2025 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.
  • CCB's Debt to FCF ratio of 0.19 is amongst the best of the industry. CCB outperforms 87.14% of its industry peers.
  • A Debt/Equity ratio of 0.10 indicates that CCB is not too dependend on debt financing.
  • The Debt to Equity ratio of CCB (0.10) is better than 67.45% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 0.19
Altman-Z N/A
ROIC/WACCN/A
WACC16.34%
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 2025 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 2025 10M 20M 30M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. CCB Growth Analysis

3.1 Past

  • CCB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.52%.
  • Measured over the past years, CCB shows a quite strong growth in Earnings Per Share. The EPS has been growing by 19.63% on average per year.
  • Looking at the last year, CCB shows a decrease in Revenue. The Revenue has decreased by -6.81% in the last year.
  • The Revenue has been growing by 52.53% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-6.52%
EPS 3Y0.42%
EPS 5Y19.63%
EPS Q2Q%-12.98%
Revenue 1Y (TTM)-6.81%
Revenue growth 3Y22.25%
Revenue growth 5Y52.53%
Sales Q2Q%-26.31%

3.2 Future

  • CCB is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 60.06% yearly.
  • Based on estimates for the next years, CCB will show a very strong growth in Revenue. The Revenue will grow by 22.41% on average per year.
EPS Next Y75.54%
EPS Next 2Y60.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year22.16%
Revenue Next 2Y22.41%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 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 2027 2 4 6

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Find the best growth stocksShow best growing peers

5

4. CCB Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 24.81, which indicates a rather expensive current valuation of CCB.
  • Compared to the rest of the industry, the Price/Earnings ratio of CCB indicates a rather expensive valuation: CCB more expensive than 86.61% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of CCB to the average of the S&P500 Index (26.11), we can say CCB is valued inline with the index average.
  • With a Price/Forward Earnings ratio of 14.14, CCB is valued correctly.
  • 75.07% 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 (24.12), we can say CCB is valued slightly cheaper.
Industry RankSector Rank
PE 24.81
Fwd PE 14.14
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 91.86% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.6
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 60.06% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.33
PEG (5Y)1.26
EPS Next 2Y60.06%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. CCB Dividend Analysis

5.1 Amount

  • CCB does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

CCB Fundamentals: All Metrics, Ratios and Statistics

COASTAL FINANCIAL CORP/WA

NASDAQ:CCB (3/18/2026, 4:30:02 PM)

After market: 75.42 0 (0%)

75.42

-3.07 (-3.91%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-27
Inst Owners85.98%
Inst Owner Change-2.21%
Ins Owners14.99%
Ins Owner Change-3.64%
Market Cap1.15B
Revenue(TTM)541.67M
Net Income(TTM)47.72M
Analysts84.44
Price Target134.23 (77.98%)
Short Float %11.89%
Short Ratio8.53
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)-8.41%
Min EPS beat(2)-15.86%
Max EPS beat(2)-0.97%
EPS beat(4)1
Avg EPS beat(4)-10.51%
Min EPS beat(4)-26.09%
Max EPS beat(4)0.89%
EPS beat(8)3
Avg EPS beat(8)-10.29%
EPS beat(12)5
Avg EPS beat(12)-7.6%
EPS beat(16)9
Avg EPS beat(16)-2.24%
Revenue beat(2)1
Avg Revenue beat(2)-9.76%
Min Revenue beat(2)-21.87%
Max Revenue beat(2)2.35%
Revenue beat(4)1
Avg Revenue beat(4)-9.98%
Min Revenue beat(4)-21.87%
Max Revenue beat(4)2.35%
Revenue beat(8)3
Avg Revenue beat(8)-1.3%
Revenue beat(12)5
Avg Revenue beat(12)-1.53%
Revenue beat(16)9
Avg Revenue beat(16)6.37%
PT rev (1m)0%
PT rev (3m)0.3%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.21%
EPS NY rev (1m)-2.22%
EPS NY rev (3m)-13.41%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)8.36%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.07%
Valuation
Industry RankSector Rank
PE 24.81
Fwd PE 14.14
P/S 2.09
P/FCF 4.6
P/OCF 4.43
P/B 2.41
P/tB 2.41
EV/EBITDA N/A
EPS(TTM)3.04
EY4.03%
EPS(NY)5.33
Fwd EY7.07%
FCF(TTM)16.38
FCFY21.72%
OCF(TTM)17.01
OCFY22.55%
SpS36.07
BVpS31.25
TBVpS31.25
PEG (NY)0.33
PEG (5Y)1.26
Graham Number46.23
Profitability
Industry RankSector Rank
ROA 1.05%
ROE 10.04%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 8.7%
GM N/A
FCFM 45.43%
ROA(3y)1.09%
ROA(5y)1.12%
ROE(3y)11.66%
ROE(5y)13.02%
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-14.11%
PM growth 5Y-17.73%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.12
Health
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 0.19
Debt/EBITDA N/A
Cap/Depr 152.54%
Cap/Sales 1.74%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 522.25%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC16.34%
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)-6.52%
EPS 3Y0.42%
EPS 5Y19.63%
EPS Q2Q%-12.98%
EPS Next Y75.54%
EPS Next 2Y60.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-6.81%
Revenue growth 3Y22.25%
Revenue growth 5Y52.53%
Sales Q2Q%-26.31%
Revenue Next Year22.16%
Revenue Next 2Y22.41%
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 1Y4.31%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y4.28%
OCF growth 3YN/A
OCF growth 5YN/A

COASTAL FINANCIAL CORP/WA / CCB Fundamental Analysis FAQ

What is the fundamental rating for CCB stock?

ChartMill assigns a fundamental rating of 4 / 10 to CCB.


What is the valuation status of COASTAL FINANCIAL CORP/WA (CCB) stock?

ChartMill assigns a valuation rating of 5 / 10 to COASTAL FINANCIAL CORP/WA (CCB). This can be considered as Fairly Valued.


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 financial health of COASTAL FINANCIAL CORP/WA (CCB) stock?

The financial health rating of COASTAL FINANCIAL CORP/WA (CCB) is 3 / 10.