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COASTAL FINANCIAL CORP/WA (CCB) Stock Fundamental Analysis

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

83.08  -3.5 (-4.04%)

After market: 83.08 0 (0%)

Fundamental Rating

4

CCB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 396 industry peers in the Banks industry. CCB has a bad profitability rating. Also its financial health evaluation is rather negative. CCB is not overvalued while it is showing excellent growth. This is an interesting combination.


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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

1.2 Ratios

With a decent Return On Assets value of 1.12%, CCB is doing good in the industry, outperforming 74.75% of the companies in the same industry.
CCB's Return On Equity of 10.79% is fine compared to the rest of the industry. CCB outperforms 75.25% 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 84.85% 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) 8.48%
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
CCB has a better debt/assets ratio than last year.
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

CCB has a debt to FCF ratio of 0.19. This is a very positive value and a sign of high solvency as it would only need 0.19 years to pay back of all of its debts.
The Debt to FCF ratio of CCB (0.19) is better than 88.13% of its industry peers.
A Debt/Equity ratio of 0.11 indicates that CCB is not too dependend on debt financing.
CCB has a Debt to Equity ratio of 0.11. This is in the better half of the industry: CCB outperforms 68.43% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.19
Altman-Z N/A
ROIC/WACCN/A
WACC16.2%
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.
CCB shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 24.42% yearly.
Looking at the last year, CCB shows a quite strong growth in Revenue. The Revenue has grown by 16.90% in the last year.
CCB shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 63.14% yearly.
EPS 1Y (TTM)18.18%
EPS 3Y15.85%
EPS 5Y24.42%
EPS Q2Q%26%
Revenue 1Y (TTM)16.9%
Revenue growth 3Y75.51%
Revenue growth 5Y63.14%
Sales Q2Q%-5.65%

3.2 Future

CCB is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 46.08% yearly.
Based on estimates for the next years, CCB will show a very strong growth in Revenue. The Revenue will grow by 20.23% on average per year.
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

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.
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 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 24.58 indicates a rather expensive valuation of CCB.
CCB's Price/Earnings ratio is rather expensive when compared to the industry. CCB is more expensive than 84.85% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.31. CCB is around the same levels.
CCB is valuated reasonably with a Price/Forward Earnings ratio of 11.98.
Based on the Price/Forward Earnings ratio, CCB is valued a bit more expensive than the industry average as 69.44% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.13, CCB is valued a bit cheaper.
Industry RankSector Rank
PE 24.58
Fwd PE 11.98
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 90.40% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.83
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.
A more expensive valuation may be justified as CCB's earnings are expected to grow with 46.08% in the coming years.
PEG (NY)1.18
PEG (5Y)1.01
EPS Next 2Y46.08%
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 (6/13/2025, 8:00:02 PM)

After market: 83.08 0 (0%)

83.08

-3.5 (-4.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-29 2025-04-29/bmo
Earnings (Next)07-28 2025-07-28
Inst Owners73.66%
Inst Owner Change9.14%
Ins Owners16.1%
Ins Owner Change0%
Market Cap1.25B
Analysts85
Price Target107.1 (28.91%)
Short Float %5.46%
Short Ratio6.05
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)0%
PT rev (3m)5%
EPS NQ rev (1m)-7.48%
EPS NQ rev (3m)-25.23%
EPS NY rev (1m)-16.15%
EPS NY rev (3m)-19.66%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-11.58%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-12.75%
Valuation
Industry RankSector Rank
PE 24.58
Fwd PE 11.98
P/S 2.18
P/FCF 4.83
P/OCF 4.63
P/B 2.78
P/tB 2.78
EV/EBITDA N/A
EPS(TTM)3.38
EY4.07%
EPS(NY)6.94
Fwd EY8.35%
FCF(TTM)17.21
FCFY20.71%
OCF(TTM)17.93
OCFY21.58%
SpS38.12
BVpS29.93
TBVpS29.93
PEG (NY)1.18
PEG (5Y)1.01
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
WACC16.2%
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%26%
EPS Next Y20.84%
EPS Next 2Y46.08%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)16.9%
Revenue growth 3Y75.51%
Revenue growth 5Y63.14%
Sales Q2Q%-5.65%
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%