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COASTAL FINANCIAL CORP/WA (CCB) Stock Fundamental Analysis

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

101.7  +1.93 (+1.93%)

After market: 101.7 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 showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!


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

CCB has a better Return On Assets (1.12%) than 74.87% of its industry peers.
Looking at the Return On Equity, with a value of 10.79%, CCB is in the better half of the industry, outperforming 75.63% of the companies in the same industry.
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

CCB's Profit Margin of 8.48% is on the low side compared to the rest of the industry. CCB is outperformed by 84.52% 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) 8.48%
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.
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.
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.
CCB's Debt to FCF ratio of 0.19 is amongst the best of the industry. CCB outperforms 88.32% of its industry peers.
A Debt/Equity ratio of 0.11 indicates that CCB is not too dependend on debt financing.
CCB's Debt to Equity ratio of 0.11 is fine compared to the rest of the industry. CCB outperforms 68.27% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.19
Altman-Z N/A
ROIC/WACCN/A
WACC14.96%
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.
The Revenue has grown by 16.90% 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%26%
Revenue 1Y (TTM)16.9%
Revenue growth 3Y75.51%
Revenue growth 5Y63.14%
Sales Q2Q%-5.65%

3.2 Future

The Earnings Per Share is expected to grow by 46.08% 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 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.
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 30.09 indicates a quite expensive valuation of CCB.
Based on the Price/Earnings ratio, CCB is valued expensively inside the industry as 85.03% of the companies are valued cheaper.
CCB is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.50, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 14.66, which indicates a correct valuation of CCB.
Based on the Price/Forward Earnings ratio, CCB is valued a bit more expensive than the industry average as 71.83% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.44, CCB is valued rather cheaply.
Industry RankSector Rank
PE 30.09
Fwd PE 14.66
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of CCB indicates a rather cheap valuation: CCB is cheaper than 88.58% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 5.91
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)1.44
PEG (5Y)1.23
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 (7/18/2025, 8:00:02 PM)

After market: 101.7 0 (0%)

101.7

+1.93 (+1.93%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-29 2025-04-29/bmo
Earnings (Next)07-23 2025-07-23
Inst Owners73.66%
Inst Owner Change0%
Ins Owners16.1%
Ins Owner Change0.06%
Market Cap1.53B
Analysts85
Price Target107.1 (5.31%)
Short Float %6.28%
Short Ratio7.08
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)-3.23%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-20.16%
EPS NY rev (1m)0%
EPS NY rev (3m)-19.39%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-10.69%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-12%
Valuation
Industry RankSector Rank
PE 30.09
Fwd PE 14.66
P/S 2.67
P/FCF 5.91
P/OCF 5.67
P/B 3.4
P/tB 3.4
EV/EBITDA N/A
EPS(TTM)3.38
EY3.32%
EPS(NY)6.94
Fwd EY6.82%
FCF(TTM)17.21
FCFY16.92%
OCF(TTM)17.93
OCFY17.63%
SpS38.12
BVpS29.93
TBVpS29.93
PEG (NY)1.44
PEG (5Y)1.23
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
WACC14.96%
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%