(CCB) Coastal Financial - Ratings and Ratios
Community Banking, Deposits, Loans
Description: CCB Coastal Financial August 13, 2025
Coastal Financial Corp (NASDAQ:CCB) is a regional bank operating in the United States, categorized under the GICS Sub Industry of Regional Banks. As a common stock, its performance is influenced by various financial and operational metrics.
The companys financial health can be evaluated through key performance indicators (KPIs) such as Return on Equity (RoE), which stands at 11.31%. This suggests a relatively strong ability to generate profits from shareholder equity. Additionally, the Price-to-Earnings (P/E) ratio of 29.25 indicates that investors are willing to pay a premium for the companys earnings, potentially reflecting growth expectations or market confidence.
Regional banks like Coastal Financial Corp are sensitive to economic drivers such as interest rates, economic growth, and regulatory changes. Interest rate fluctuations can significantly impact their net interest margins, while economic growth influences loan demand and credit quality. The companys performance is also tied to the overall health of the US economy, consumer and business confidence, and the competitive landscape within the regional banking sector.
To further assess the investment potential of CCB, it is crucial to analyze its asset quality, loan portfolio composition, and capital adequacy. These factors can provide insights into the banks risk profile and its ability to withstand economic downturns. Moreover, comparing CCBs KPIs with industry averages and peers can help identify areas of strength and weakness.
The stocks market capitalization of $1.496 billion categorizes it as a mid-cap stock, potentially offering a balance between growth opportunities and stability. However, the absence of a forward P/E ratio may indicate a lack of analyst coverage or earnings estimates, which could be a consideration for investors relying on such data for their investment decisions.
CCB Stock Overview
| Market Cap in USD | 1,578m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 2018-07-18 |
CCB Stock Ratings
| Growth Rating | 88.2% |
| Fundamental | 67.5% |
| Dividend Rating | - |
| Return 12m vs S&P 500 | 32.6% |
| Analyst Rating | 4.75 of 5 |
CCB Dividends
Currently no dividends paidCCB Growth Ratios
| Growth Correlation 3m | -38.2% |
| Growth Correlation 12m | 84.8% |
| Growth Correlation 5y | 79.1% |
| CAGR 5y | 30.44% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.78 |
| CAGR/Mean DD 3y (Pain Ratio) | 2.02 |
| Sharpe Ratio 12m | 0.99 |
| Alpha | 48.72 |
| Beta | 0.993 |
| Volatility | 36.60% |
| Current Volume | 66.2k |
| Average Volume 20d | 95.5k |
| Stop Loss | 101.9 (-4.2%) |
| Signal | -0.52 |
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (47.7m TTM) > 0 and > 6% of Revenue (6% = 23.2m TTM) |
| FCFTA 0.06 (>2.0%) and ΔFCFTA -0.37pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 925.1% (prev -555.7%; Δ 1481 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.06 (>3.0%) and CFO 263.1m > Net Income 47.7m (YES >=105%, WARN >=100%) |
| Net Debt (-30.0m) to EBITDA (48.0m) ratio: -0.62 <= 3.0 (WARN <= 3.5) |
| Current Ratio 723.5 (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 38.03% (prev 29.51%; Δ 8.52pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 8.98% (prev 13.91%; Δ -4.93pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.36 (EBITDA TTM 48.0m / Interest Expense TTM 121.1m) >= 6 (WARN >= 3) |
Altman Z'' 5.52
| (A) 0.79 = (Total Current Assets 3.59b - Total Current Liabilities 4.96m) / Total Assets 4.55b |
| (B) 0.05 = Retained Earnings (Balance) 244.9m / Total Assets 4.55b |
| (C) 0.01 = EBIT TTM 43.4m / Avg Total Assets 4.31b |
| (D) 0.12 = Book Value of Equity 475.3m / Total Liabilities 4.08b |
| Total Rating: 5.52 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 67.53
| 1. Piotroski 4.0pt = -1.0 |
| 2. FCF Yield 16.33% = 5.0 |
| 3. FCF Margin 65.30% = 7.50 |
| 4. Debt/Equity 0.01 = 2.50 |
| 5. Debt/Ebitda -0.62 = 2.50 |
| 6. ROIC - WACC (= -3.03)% = -3.79 |
| 7. RoE 10.46% = 0.87 |
| 8. Rev. Trend 65.65% = 4.92 |
| 9. EPS Trend -19.56% = -0.98 |
What is the price of CCB shares?
Over the past week, the price has changed by -0.15%, over one month by -1.94%, over three months by +11.34% and over the past year by +51.22%.
Is Coastal Financial a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of CCB is around 120.74 USD . This means that CCB is currently undervalued and has a potential upside of +13.54% (Margin of Safety).
Is CCB a buy, sell or hold?
- 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 | 129.2 | 21.5% |
| Analysts Target Price | 129.2 | 21.5% |
| ValueRay Target Price | 136 | 27.9% |
CCB Fundamental Data Overview November 01, 2025
P/E Trailing = 31.8354
P/E Forward = 16.7224
P/S = 4.6076
P/B = 3.5611
Beta = 0.993
Revenue TTM = 387.0m USD
EBIT TTM = 43.4m USD
EBITDA TTM = 48.0m USD
Long Term Debt = 47.9m USD (from longTermDebt, last fiscal year)
Short Term Debt = 4.96m USD (from shortTermDebt, last quarter)
Debt = 4.96m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -30.0m USD (from netDebt column, last quarter)
Enterprise Value = 1.55b USD (1.58b + Debt 4.96m - CCE 35.0m)
Interest Coverage Ratio = 0.36 (Ebit TTM 43.4m / Interest Expense TTM 121.1m)
FCF Yield = 16.33% (FCF TTM 252.7m / Enterprise Value 1.55b)
FCF Margin = 65.30% (FCF TTM 252.7m / Revenue TTM 387.0m)
Net Margin = 12.33% (Net Income TTM 47.7m / Revenue TTM 387.0m)
Gross Margin = 38.03% ((Revenue TTM 387.0m - Cost of Revenue TTM 239.8m) / Revenue TTM)
Gross Margin QoQ = none% (prev 45.08%)
Tobins Q-Ratio = 0.34 (Enterprise Value 1.55b / Total Assets 4.55b)
Interest Expense / Debt = 628.0% (Interest Expense 31.1m / Debt 4.96m)
Taxrate = 24.10% (4.32m / 17.9m)
NOPAT = 32.9m (EBIT 43.4m * (1 - 24.10%))
Current Ratio = 723.5 (out of range, set to none) (Total Current Assets 3.59b / Total Current Liabilities 4.96m)
Debt / Equity = 0.01 (Debt 4.96m / totalStockholderEquity, last quarter 475.3m)
Debt / EBITDA = -0.62 (Net Debt -30.0m / EBITDA 48.0m)
Debt / FCF = -0.12 (Net Debt -30.0m / FCF TTM 252.7m)
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 = 8.60% (EBIT 43.4m / Capital Employed (Equity 456.4m + L.T.Debt 47.9m))
RoIC = 6.61% (NOPAT 32.9m / Invested Capital 498.0m)
WACC = 9.64% (E(1.58b)/V(1.58b) * Re(9.67%) + (debt cost/tax rate unavailable))
Discount Rate = 9.67% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 6.27%
[DCF Debug] Terminal Value 76.34% ; FCFE base≈248.0m ; Y1≈305.9m ; Y5≈521.9m
Fair Price DCF = 440.5 (DCF Value 6.66b / 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: 65.65 | Revenue CAGR: 13.57% | SUE: -1.11 | # QB: 0
Additional Sources for CCB Stock
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Fund Manager Positions: Dataroma | Stockcircle