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

NASDAQ:CCB • US19046P2092

Current stock price

76.84 USD
-0.29 (-0.38%)
At close:
76.84 USD
0 (0%)
After Hours:

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

  • CCB's Return On Assets of 0.99% is in line compared to the rest of the industry. CCB outperforms 55.00% of its industry peers.
  • CCB has a Return On Equity (9.57%) which is comparable to the rest of the 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

  • The Profit Margin of CCB (8.68%) is worse than 87.63% 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) 8.68%
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

More info and screens

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.
  • Compared to 1 year ago, CCB has more shares outstanding
  • 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 better Debt to FCF ratio (0.20) than 88.42% of its industry peers.
  • CCB has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
  • CCB has a Debt to Equity ratio of 0.10. This is in the better half of the industry: CCB outperforms 68.16% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 0.2
Altman-Z N/A
ROIC/WACCN/A
WACC16.24%
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

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. CCB Growth Analysis

3.1 Past

  • The earnings per share for CCB have decreased by -6.52% in the last year.
  • CCB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 19.63% yearly.
  • The Revenue has decreased by -6.81% in the past 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

More info and screens

Find the best growth stocksShow best growing peers

5

4. CCB Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 25.28, CCB can be considered very expensive at the moment.
  • Compared to the rest of the industry, the Price/Earnings ratio of CCB indicates a rather expensive valuation: CCB more expensive than 86.32% of the companies listed in the same industry.
  • CCB's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 25.50.
  • CCB is valuated correctly with a Price/Forward Earnings ratio of 14.41.
  • Based on the Price/Forward Earnings ratio, CCB is valued a bit more expensive than 75.00% of the companies in the same industry.
  • CCB is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.67, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 25.28
Fwd PE 14.41
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 91.84% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.75
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.
  • CCB's earnings are expected to grow with 60.06% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.33
PEG (5Y)1.29
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%

More info and screens

Find the best dividend stocksShow peers with best dividend

CCB Fundamentals: All Metrics, Ratios and Statistics

COASTAL FINANCIAL CORP/WA

NASDAQ:CCB (3/24/2026, 8:18:02 PM)

After market: 76.84 0 (0%)

76.84

-0.29 (-0.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-27
Inst Owners85.98%
Inst Owner Change-2.23%
Ins Owners14.99%
Ins Owner Change-2.47%
Market Cap1.17B
Revenue(TTM)541.67M
Net Income(TTM)46.99M
Analysts84.44
Price Target134.23 (74.69%)
Short Float %11.89%
Short Ratio8.53
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)0.3%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-16.48%
EPS NY rev (1m)-2.22%
EPS NY rev (3m)-13.41%
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 25.28
Fwd PE 14.41
P/S 2.16
P/FCF 4.75
P/OCF 4.59
P/B 2.38
P/tB 2.4
EV/EBITDA N/A
EPS(TTM)3.04
EY3.96%
EPS(NY)5.33
Fwd EY6.94%
FCF(TTM)16.18
FCFY21.06%
OCF(TTM)16.74
OCFY21.78%
SpS35.61
BVpS32.28
TBVpS31.98
PEG (NY)0.33
PEG (5Y)1.29
Graham Number46.99
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
WACC16.24%
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.


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.