COASTAL FINANCIAL CORP/WA (CCB)
US19046P2092 - Common Stock
CCB gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 411 industry peers in the Banks industry. Both the profitability and financial health of CCB have multiple concerns. CCB is not overvalued while it is showing excellent growth. This is an interesting combination.
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.
Each year in the past 5 years CCB had a positive operating cash flow.
1.2 Ratios
CCB has a better Return On Assets (1.19%) than 76.64% of its industry peers.
CCB has a better Return On Equity (15.12%) than 89.78% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.19% | ||
| ROE | 15.12% | ||
| ROIC | N/A |
ROA(3y)1.17%
ROA(5y)1.11%
ROE(3y)15.07%
ROE(5y)13.32%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 10.00%, CCB is doing worse than 86.86% of the companies in the same industry.
In the last couple of years the Profit Margin of CCB has declined.
The Operating Margin and Gross Margin are not available for CCB so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 10% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-24.27%
PM growth 5Y-16.11%
GM growth 3YN/A
GM growth 5YN/A
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.
Compared to 5 years ago, CCB has more shares outstanding
The debt/assets ratio for CCB has been reduced compared to a year ago.
2.2 Solvency
CCB has a debt to FCF ratio of 0.25. This is a very positive value and a sign of high solvency as it would only need 0.25 years to pay back of all of its debts.
CCB has a Debt to FCF ratio of 0.25. This is amongst the best in the industry. CCB outperforms 85.16% of its industry peers.
CCB has a Debt/Equity ratio of 0.16. This is a healthy value indicating a solid balance between debt and equity.
CCB has a better Debt to Equity ratio (0.16) than 63.99% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | 0.25 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.86%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CCB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.00%, which is quite good.
The Earnings Per Share has been growing by 29.14% on average over the past years. This is a very strong growth
Looking at the last year, CCB shows a very strong growth in Revenue. The Revenue has grown by 50.41%.
Measured over the past years, CCB shows a very strong growth in Revenue. The Revenue has been growing by 61.73% on average per year.
EPS 1Y (TTM)9%
EPS 3Y38.16%
EPS 5Y29.14%
EPS growth Q2Q-31.25%
Revenue 1Y (TTM)50.41%
Revenue growth 3Y89.43%
Revenue growth 5Y61.73%
Revenue growth Q2Q29.26%
3.2 Future
Based on estimates for the next years, CCB will show a very strong growth in Earnings Per Share. The EPS will grow by 35.14% on average per year.
CCB is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 32.10% yearly.
EPS Next Y17.32%
EPS Next 2Y35.14%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year34%
Revenue Next 2Y32.1%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 12.42, the valuation of CCB can be described as correct.
72.99% of the companies in the same industry are cheaper than CCB, based on the Price/Earnings ratio.
CCB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.92.
CCB is valuated reasonably with a Price/Forward Earnings ratio of 10.58.
CCB's Price/Forward Earnings ratio is in line with the industry average.
CCB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.49.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.42 | ||
| Fwd PE | 10.58 |
4.2 Price Multiples
CCB's Price/Free Cash Flow ratio is rather cheap when compared to the industry. CCB is cheaper than 95.38% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.86 | ||
| EV/EBITDA | N/A |
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 35.14% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.72
PEG (5Y)0.43
EPS Next 2Y35.14%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for CCB!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
COASTAL FINANCIAL CORP/WA
NASDAQ:CCB (4/26/2024, 7:00:00 PM)
After market: 40.6 0 (0%)40.6
-0.59 (-1.43%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap543.63M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.42 | ||
| Fwd PE | 10.58 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.72
PEG (5Y)0.43
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.19% | ||
| ROE | 15.12% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 10% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.12
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)9%
EPS 3Y38.16%
EPS 5Y
EPS growth Q2Q
EPS Next Y17.32%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)50.41%
Revenue growth 3Y89.43%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y