Overview Dividends

(CCB) Coastal Financial - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US19046P2092

Deposits, Loans, Treasury, Digital Banking, BaaS

EPS (Earnings per Share)

EPS Growth (3y CAGR): -3.11%
EPS Trend (3y Corr): -19.6%

Last SUE: 0.00σ
Qual. Beats: 0

Revenue

Revenue Growth (3y CAGR): 20.77%
Revenue Trend (3y Corr): 67.2%

Last SUE: 0.54σ
Qual. Beats: 0

Risk via 10d forecast
Volatility	41.5%
Value at Risk 5%th	63.8%
Relative Tail Risk	-6.53%

Reward TTM
Sharpe Ratio	0.84
Alpha	24.44

Character TTM
Hurst Exponent	0.483
Beta	1.002
Beta Downside	1.241

Drawdowns 3y
Max DD	39.02%
Mean DD	15.19%
Median DD	15.45%

Description: CCB Coastal Financial November 13, 2025

Coastal Financial Corp (NASDAQ:CCB) is the holding company for Coastal Community Bank, a regional bank focused on the Puget Sound area of Washington. It serves small- and medium-sized businesses, professionals, and individuals with a full suite of deposit products (demand, savings, time-deposit, and money-market accounts) and a diversified loan portfolio that includes commercial & industrial loans, SBA loans, real-estate financing, construction and land-development loans, as well as consumer credit such as auto and RV loans. The bank also offers digital banking tools (remote deposit capture, online/mobile platforms) and cash-management services, and it has entered the Banking-as-a-Service (BaaS) space to partner with broker-dealers and fintech firms.

Key metrics as of the most recent quarter (Q2 2024) show a loan-to-deposit ratio of roughly 78 %, a net interest margin of 3.2 %-slightly above the regional-bank average of 2.9 %-and a return on equity (ROE) near 11 %, indicating solid profitability in a low-rate environment. The Puget Sound economy, driven by technology, aerospace, and maritime trade, has been expanding at an annual pace of ~2.5 % YoY, supporting demand for commercial credit and cash-management services. Additionally, the BaaS platform positions CCB to capture incremental fee income as fintech adoption accelerates, a sector trend that has been contributing to double-digit growth in non-interest revenue for peer regional banks.

For a deeper dive into how these fundamentals translate into valuation insights, you might explore the detailed analytics available on ValueRay.

CCB Stock Overview

Market Cap in USD	1,556m
Sub-Industry	Regional Banks
IPO / Inception	2018-07-18
Return 12m vs S&P 500	18.9%
Analyst Rating	4.75 of 5

CCB Dividends

Currently no dividends paid

CCB Growth Ratios

Metric	Value
CAGR 3y	26.89%
CAGR/Max DD Calmar Ratio	0.69
CAGR/Mean DD Pain Ratio	1.77
Current Volume	72.4k
Average Volume	91.5k

Piotroski VR‑10 (Strict, 0-10) 5.0

Net Income (47.7m TTM) > 0 and > 6% of Revenue (6% = 31.7m TTM)

FCFTA 0.05 (>2.0%) and ΔFCFTA -0.40pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -630.0% (prev -555.7%; Δ -74.35pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.06 (>3.0%) and CFO 258.7m > Net Income 47.7m (YES >=105%, WARN >=100%)

Net Debt (-589.3m) to EBITDA (67.5m) ratio: -8.73 <= 3.0 (WARN <= 3.5)

Current Ratio 0.17 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (15.4m) change vs 12m ago 11.74% (target <= -2.0% for YES)

Gross Margin 37.95% (prev 29.51%; Δ 8.44pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 12.25% (prev 13.91%; Δ -1.67pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.51 (EBITDA TTM 67.5m / Interest Expense TTM 121.1m) >= 6 (WARN >= 3)

Altman Z'' -4.40

(A) -0.73 = (Total Current Assets 679.0m - Total Current Liabilities 4.00b) / Total Assets 4.55b

(B) 0.05 = Retained Earnings (Balance) 244.9m / Total Assets 4.55b

(D) 0.12 = Book Value of Equity 475.3m / Total Liabilities 4.08b

Total Rating: -4.40 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 72.22

1. Piotroski 5.0pt

2. FCF Yield 25.78%

3. FCF Margin 47.21%

4. Debt/Equity 0.11

5. Debt/Ebitda -8.73

6. ROIC - WACC (= -0.17)%

7. RoE 10.46%

8. Rev. Trend 67.23%

9. EPS Trend -19.56%

What is the price of CCB shares?

As of November 22, 2025, the stock is trading at USD 99.46 with a total of 72,380 shares traded.
Over the past week, the price has changed by -4.87%, over one month by -3.88%, over three months by -4.17% and over the past year by +32.99%.

Is CCB a buy, sell or hold?

Coastal Financial has received a consensus analysts rating of 4.75. Therefore, it is recommended to buy CCB.

Strong Buy: 3
Buy: 1
Hold: 0
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the CCB price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	131.2	31.9%
Analysts Target Price	131.2	31.9%
ValueRay Target Price	117.7	18.3%

CCB Fundamental Data Overview November 20, 2025

Market Cap USD = 1.56b (1.56b USD * 1.0 USD.USD)
P/E Trailing = 32.2571
P/E Forward = 15.748
P/S = 4.5276
P/B = 3.2614
Beta = 0.899
Revenue TTM = 527.9m USD
EBIT TTM = 61.3m USD
EBITDA TTM = 67.5m USD
Long Term Debt = 48.0m USD (from longTermDebt, last quarter)
Short Term Debt = 4.96m USD (from shortTermDebt, last quarter)
Debt = 53.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -589.3m USD (from netDebt column, last quarter)
Enterprise Value = 966.6m USD (1.56b + Debt 53.0m - CCE 642.3m)
Interest Coverage Ratio = 0.51 (Ebit TTM 61.3m / Interest Expense TTM 121.1m)
FCF Yield = 25.78% (FCF TTM 249.2m / Enterprise Value 966.6m)
FCF Margin = 47.21% (FCF TTM 249.2m / Revenue TTM 527.9m)
Net Margin = 9.04% (Net Income TTM 47.7m / Revenue TTM 527.9m)
Gross Margin = 37.95% ((Revenue TTM 527.9m - Cost of Revenue TTM 327.6m) / Revenue TTM)
Gross Margin QoQ = 37.71% (prev 45.08%)
Tobins Q-Ratio = 0.21 (Enterprise Value 966.6m / Total Assets 4.55b)
Interest Expense / Debt = 58.78% (Interest Expense 31.1m / Debt 53.0m)
Taxrate = 24.10% (4.32m / 17.9m)
NOPAT = 46.5m (EBIT 61.3m * (1 - 24.10%))
Current Ratio = 0.17 (Total Current Assets 679.0m / Total Current Liabilities 4.00b)
Debt / Equity = 0.11 (Debt 53.0m / totalStockholderEquity, last quarter 475.3m)
Debt / EBITDA = -8.73 (Net Debt -589.3m / EBITDA 67.5m)
Debt / FCF = -2.36 (Net Debt -589.3m / FCF TTM 249.2m)
Total Stockholder Equity = 456.4m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.05% (Net Income 47.7m / Total Assets 4.55b)
RoE = 10.46% (Net Income TTM 47.7m / Total Stockholder Equity 456.4m)
RoCE = 12.15% (EBIT 61.3m / Capital Employed (Equity 456.4m + L.T.Debt 48.0m))
RoIC = 9.22% (NOPAT 46.5m / Invested Capital 504.3m)
WACC = 9.39% (E(1.56b)/V(1.61b) * Re(9.71%) + (debt cost/tax rate unavailable))
Discount Rate = 9.71% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 6.27%
[DCF Debug] Terminal Value 76.22% ; FCFE base≈245.1m ; Y1≈302.3m ; Y5≈515.8m
Fair Price DCF = 432.3 (DCF Value 6.54b / Shares Outstanding 15.1m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: -19.56 | EPS CAGR: -3.11% | SUE: 0.0 | # QB: 0
Revenue Correlation: 67.23 | Revenue CAGR: 20.77% | SUE: 0.54 | # QB: 0

Additional Sources for CCB Stock

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