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

NASDAQ:CCB • US19046P2092

Current stock price

82.705 USD
-0.59 (-0.7%)
Last:

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.
  • In the past year CCB had a positive cash flow from operations.
  • Each year in the past 5 years CCB has been profitable.
  • Each year in the past 5 years CCB had a positive operating cash flow.
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

  • The Return On Assets of CCB (0.99%) is comparable to the rest of the industry.
  • With a Return On Equity value of 9.57%, CCB perfoms like the industry average, outperforming 53.46% of the companies in the same industry.
Industry RankSector Rank
ROA 0.99%
ROE 9.57%
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 has a worse Profit Margin (8.68%) than 88.56% 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 RankSector Rank
OM N/A
PM (TTM) 8.68%
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.
  • CCB has more shares outstanding than it did 1 year ago.
  • 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

  • CCB has a debt to FCF ratio of 0.20. This is a very positive value and a sign of high solvency as it would only need 0.20 years to pay back of all of its debts.
  • CCB has a Debt to FCF ratio of 0.20. This is amongst the best in the industry. CCB outperforms 88.56% 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 68.35% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 0.2
Altman-Z N/A
ROIC/WACCN/A
WACC15.66%
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%.
  • The Earnings Per Share has been growing by 19.63% on average over the past years. This is quite good.
  • Looking at the last year, CCB shows a decrease in Revenue. The Revenue has decreased by -6.81% in the last year.
  • CCB shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 52.53% yearly.
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

  • The Earnings Per Share is expected to grow by 60.06% on average over the next years. This is a very strong growth
  • CCB is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 22.41% yearly.
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.
  • 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 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

  • Based on the Price/Earnings ratio of 27.21, the valuation of CCB can be described as expensive.
  • Based on the Price/Earnings ratio, CCB is valued more expensive than 87.23% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.95. CCB is around the same levels.
  • With a Price/Forward Earnings ratio of 15.51, CCB is valued correctly.
  • 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 76.06% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of CCB to the average of the S&P500 Index (38.68), we can say CCB is valued rather cheaply.
Industry RankSector Rank
PE 27.21
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

  • Based on the Price/Free Cash Flow ratio, CCB is valued cheaper than 91.76% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.12
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.
  • A more expensive valuation may be justified as CCB's earnings are expected to grow with 60.06% in the coming years.
PEG (NY)0.36
PEG (5Y)1.39
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%

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Find the best dividend stocksShow peers with best dividend

CCB Fundamentals: All Metrics, Ratios and Statistics

COASTAL FINANCIAL CORP/WA

NASDAQ:CCB (4/20/2026, 8:00:02 PM)

82.705

-0.59 (-0.7%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)05-04
Inst Owners85.59%
Inst Owner Change-0.2%
Ins Owners14.96%
Ins Owner Change-2.53%
Market Cap1.26B
Revenue(TTM)541.67M
Net Income(TTM)46.99M
Analysts84.44
Price Target134.23 (62.3%)
Short Float %13.23%
Short Ratio9.3
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)-10.63%
Min EPS beat(2)-20.3%
Max EPS beat(2)-0.97%
EPS beat(4)0
Avg EPS beat(4)-15.81%
Min EPS beat(4)-26.09%
Max EPS beat(4)-0.97%
EPS beat(8)3
Avg EPS beat(8)-11.55%
EPS beat(12)4
Avg EPS beat(12)-10.23%
EPS beat(16)8
Avg EPS beat(16)-3.98%
Revenue beat(2)1
Avg Revenue beat(2)-14.57%
Min Revenue beat(2)-31.49%
Max Revenue beat(2)2.35%
Revenue beat(4)1
Avg Revenue beat(4)-15.51%
Min Revenue beat(4)-31.49%
Max Revenue beat(4)2.35%
Revenue beat(8)2
Avg Revenue beat(8)-9.01%
Revenue beat(12)4
Avg Revenue beat(12)-4.9%
Revenue beat(16)8
Avg Revenue beat(16)1.21%
PT rev (1m)0%
PT rev (3m)-1.94%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-15.96%
EPS NY rev (1m)0%
EPS NY rev (3m)-13.39%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.5%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.07%
Valuation
Industry RankSector Rank
PE 27.21
Fwd PE 15.51
P/S 2.33
P/FCF 5.12
P/OCF 4.95
P/B 2.57
P/tB 2.59
EV/EBITDA N/A
EPS(TTM)3.04
EY3.68%
EPS(NY)5.33
Fwd EY6.45%
FCF(TTM)16.16
FCFY19.54%
OCF(TTM)16.72
OCFY20.21%
SpS35.57
BVpS32.24
TBVpS31.94
PEG (NY)0.36
PEG (5Y)1.39
Graham Number46.957 (-43.22%)
Profitability
Industry RankSector Rank
ROA 0.99%
ROE 9.57%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 8.68%
GM N/A
FCFM 45.44%
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-Score5
Asset Turnover0.11
Health
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 0.2
Debt/EBITDA N/A
Cap/Depr 129.49%
Cap/Sales 1.56%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 523.8%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC15.66%
ROIC/WACCN/A
Cap/Depr(3y)205.08%
Cap/Depr(5y)187.01%
Cap/Sales(3y)1.56%
Cap/Sales(5y)1.61%
Profit Quality(3y)497.36%
Profit Quality(5y)350.26%
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 1Y-1.5%
FCF growth 3Y56.47%
FCF growth 5Y77.53%
OCF growth 1Y-2%
OCF growth 3Y55.97%
OCF growth 5Y67.46%

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.


What is the profitability of CCB stock?

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 75.54% in the next year.