(CCB) Coastal Financial - Ratings and Ratios
Deposits, Loans, Treasury, Digital Banking, BaaS
Dividends
Currently no dividends paid| Risk via 10d forecast | |
|---|---|
| Volatility | 42.2% |
| Value at Risk 5%th | 65.4% |
| Relative Tail Risk | -5.86% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.93 |
| Alpha | 23.84 |
| CAGR/Max DD | 0.68 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.412 |
| Beta | 1.011 |
| Beta Downside | 1.249 |
| Drawdowns 3y | |
|---|---|
| Max DD | 39.02% |
| Mean DD | 15.27% |
| 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.
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 |
| (C) 0.01 = EBIT TTM 61.3m / Avg Total Assets 4.31b |
| (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) 75.84
| 1. Piotroski 5.0pt |
| 2. FCF Yield 22.02% |
| 3. FCF Margin 47.21% |
| 4. Debt/Equity 0.11 |
| 5. Debt/Ebitda -8.73 |
| 6. ROIC - WACC (= -0.23)% |
| 7. RoE 10.46% |
| 8. Rev. Trend 85.98% |
| 9. EPS Trend 26.36% |
What is the price of CCB shares?
Over the past week, the price has changed by -0.97%, over one month by -0.24%, over three months by -5.93% and over the past year by +42.01%.
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 | 131.2 | 22.1% |
| Analysts Target Price | 131.2 | 22.1% |
| ValueRay Target Price | 127.4 | 18.6% |
CCB Fundamental Data Overview December 03, 2025
P/E Trailing = 35.7893
P/E Forward = 17.094
P/S = 5.0076
P/B = 3.5427
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 = 1.13b USD (1.72b + Debt 53.0m - CCE 642.3m)
Interest Coverage Ratio = 0.51 (Ebit TTM 61.3m / Interest Expense TTM 121.1m)
FCF Yield = 22.02% (FCF TTM 249.2m / Enterprise Value 1.13b)
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 = 0.25 (Enterprise Value 1.13b / 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 = 9.45% (E(1.72b)/V(1.77b) * Re(9.74%) + (debt cost/tax rate unavailable))
Discount Rate = 9.74% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 6.27%
[DCF Debug] Terminal Value 76.13% ; FCFE base≈245.1m ; Y1≈302.3m ; Y5≈515.8m
Fair Price DCF = 430.3 (DCF Value 6.51b / Shares Outstanding 15.1m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 26.36 | EPS CAGR: 12.28% | SUE: 0.0 | # QB: 0
Revenue Correlation: 85.98 | Revenue CAGR: 43.67% | SUE: 0.54 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.23 | Chg30d=-0.038 | Revisions Net=+0 | Analysts=5
EPS next Year (2026-12-31): EPS=6.10 | Chg30d=-0.430 | Revisions Net=-3 | Growth EPS=+87.3% | Growth Revenue=+27.6%
Additional Sources for CCB Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle