COASTAL FINANCIAL CORP/WA (CCB) Stock Fundamental Analysis

NASDAQ:CCB • US19046P2092

75.65 USD
-8 (-9.56%)
Last: Feb 23, 2026, 08:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, CCB scores 4 out of 10 in our fundamental rating. CCB was compared to 379 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

3

1. Profitability

1.1 Basic Checks

  • CCB had positive earnings in the past year.
  • CCB had a positive operating cash flow in the past year.
  • CCB had positive earnings in each of the past 5 years.
  • Of the past 5 years CCB 4 years 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

  • Looking at the Return On Assets, with a value of 1.05%, CCB is in the better half of the industry, outperforming 63.59% of the companies in the same industry.
  • CCB has a Return On Equity of 10.04%. This is in the better half of the industry: CCB outperforms 63.32% of its industry peers.
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

  • Looking at the Profit Margin, with a value of 8.70%, CCB is doing worse than 85.75% of the companies in the same industry.
  • 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) 8.7%
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. 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 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 0.19. 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.
  • Looking at the Debt to FCF ratio, with a value of 0.19, CCB belongs to the top of the industry, outperforming 86.54% of the companies in the same industry.
  • CCB has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
  • CCB's Debt to Equity ratio of 0.10 is fine compared to the rest of the industry. CCB outperforms 67.81% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 0.19
Altman-Z N/A
ROIC/WACCN/A
WACC16.5%
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. Growth

3.1 Past

  • CCB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.52%.
  • CCB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 19.63% yearly.
  • CCB shows a decrease in Revenue. In the last year, the revenue decreased by -6.81%.
  • 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 60.37% 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 Y79.53%
EPS Next 2Y60.37%
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

  • 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 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. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 24.88, CCB is valued on the expensive side.
  • CCB's Price/Earnings ratio is rather expensive when compared to the industry. CCB is more expensive than 84.70% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of CCB to the average of the S&P500 Index (26.64), we can say CCB is valued inline with the index average.
  • A Price/Forward Earnings ratio of 13.87 indicates a correct valuation of CCB.
  • CCB's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. CCB is more expensive than 70.71% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of CCB to the average of the S&P500 Index (27.75), we can say CCB is valued rather cheaply.
Industry RankSector Rank
PE 24.88
Fwd PE 13.87
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of CCB indicates a rather cheap valuation: CCB is cheaper than 92.88% of the companies listed 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.
  • A more expensive valuation may be justified as CCB's earnings are expected to grow with 60.37% in the coming years.
PEG (NY)0.31
PEG (5Y)1.27
EPS Next 2Y60.37%
EPS Next 3YN/A

More info and screens

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

0

5. Dividend

5.1 Amount

  • No dividends for CCB!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

COASTAL FINANCIAL CORP/WA

NASDAQ:CCB (2/23/2026, 8:00:03 PM)

75.65

-8 (-9.56%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-27
Inst Owners81.88%
Inst Owner Change-2.16%
Ins Owners15.43%
Ins Owner Change-4.52%
Market Cap1.15B
Revenue(TTM)541.67M
Net Income(TTM)47.72M
Analysts84.44
Price Target134.23 (77.44%)
Short Float %11.89%
Short Ratio10.65
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)-1.94%
PT rev (3m)0.3%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.59%
EPS NY rev (1m)-10.99%
EPS NY rev (3m)-11.44%
Revenue NQ rev (1m)8.36%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)4.07%
Revenue NY rev (3m)-5.21%
Valuation
Industry RankSector Rank
PE 24.88
Fwd PE 13.87
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
EY4.02%
EPS(NY)5.45
Fwd EY7.21%
FCF(TTM)16.46
FCFY21.76%
OCF(TTM)17.09
OCFY22.59%
SpS36.23
BVpS31.39
TBVpS31.39
PEG (NY)0.31
PEG (5Y)1.27
Graham Number46.34
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
WACC16.5%
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 Y79.53%
EPS Next 2Y60.37%
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 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.