(CCB) Coastal Financial - Ratings and Ratios
Community Banking, Deposits, Loans
CCB EPS (Earnings per Share)
CCB Revenue
Description: CCB Coastal Financial
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 | 1,686m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 2018-07-18 |
CCB Stock Ratings
| Growth Rating | 91.3% |
| Fundamental | 83.2% |
| Dividend Rating | - |
| Return 12m vs S&P 500 | 80.9% |
| Analyst Rating | 4.75 of 5 |
CCB Dividends
Currently no dividends paidCCB Growth Ratios
| Growth Correlation 3m | 75.8% |
| Growth Correlation 12m | 87.1% |
| Growth Correlation 5y | 79% |
| CAGR 5y | 36.80% |
| CAGR/Max DD 3y | 0.94 |
| CAGR/Mean DD 3y | 2.40 |
| Sharpe Ratio 12m | 1.96 |
| Alpha | 0.08 |
| Beta | 0.717 |
| Volatility | 34.87% |
| Current Volume | 87.5k |
| Average Volume 20d | 87.5k |
| Stop Loss | 104.8 (-3%) |
| Signal | -0.59 |
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (47.6m TTM) > 0 and > 6% of Revenue (6% = 32.2m TTM) |
| FCFTA 0.06 (>2.0%) and ΔFCFTA -0.44pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 636.5% (prev -596.6%; Δ 1233 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 47.6m (YES >=105%, WARN >=100%) |
| Net Debt (-666.7m) to EBITDA (63.9m) ratio: -10.44 <= 3.0 (WARN <= 3.5) |
| Current Ratio 676.7 (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 12.46% (target <= -2.0% for YES) |
| Gross Margin 36.19% (prev 31.88%; Δ 4.31pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 12.73% (prev 12.93%; Δ -0.20pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.47 (EBITDA TTM 63.9m / Interest Expense TTM 122.9m) >= 6 (WARN >= 3) |
Altman Z'' 5.39
| (A) 0.76 = (Total Current Assets 3.43b - Total Current Liabilities 5.06m) / Total Assets 4.48b |
| (B) 0.05 = Retained Earnings (Balance) 231.3m / Total Assets 4.48b |
| (C) 0.01 = EBIT TTM 58.1m / Avg Total Assets 4.22b |
| (D) 0.11 = Book Value of Equity 461.7m / Total Liabilities 4.02b |
| Total Rating: 5.39 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 83.23
| 1. Piotroski 4.0pt = -1.0 |
| 2. FCF Yield 14.79% = 5.0 |
| 3. FCF Margin 47.02% = 7.50 |
| 4. Debt/Equity 0.11 = 2.49 |
| 5. Debt/Ebitda 0.83 = 1.99 |
| 6. ROIC - WACC (= 9.78)% = 12.22 |
| 7. RoE 11.31% = 0.94 |
| 8. Rev. Trend 74.49% = 5.59 |
| 9. EPS Trend -30.18% = -1.51 |
What is the price of CCB shares?
Over the past week, the price has changed by -2.32%, over one month by +1.99%, over three months by +29.43% and over the past year by +114.75%.
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 127.61 USD . This means that CCB is currently undervalued and has a potential upside of +18.09% (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 | 119 | 10.1% |
| Analysts Target Price | 119 | 10.1% |
| ValueRay Target Price | 142.5 | 31.9% |
Last update: 2025-09-10 04:34
CCB Fundamental Data Overview
CCE Cash And Equivalents = 29.6m USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 34.0152
P/S = 5.0112
P/B = 3.6504
Beta = 1.057
Revenue TTM = 537.5m USD
EBIT TTM = 58.1m USD
EBITDA TTM = 63.9m USD
Long Term Debt = 48.0m USD (from longTermDebt, last quarter)
Short Term Debt = 5.06m USD (from shortTermDebt, last quarter)
Debt = 53.0m USD (Calculated: Short Term 5.06m + Long Term 48.0m)
Net Debt = -666.7m USD (from netDebt column, last quarter)
Enterprise Value = 1.71b USD (1.69b + Debt 53.0m - CCE 29.6m)
Interest Coverage Ratio = 0.47 (Ebit TTM 58.1m / Interest Expense TTM 122.9m)
FCF Yield = 14.79% (FCF TTM 252.7m / Enterprise Value 1.71b)
FCF Margin = 47.02% (FCF TTM 252.7m / Revenue TTM 537.5m)
Net Margin = 8.85% (Net Income TTM 47.6m / Revenue TTM 537.5m)
Gross Margin = 36.19% ((Revenue TTM 537.5m - Cost of Revenue TTM 343.0m) / Revenue TTM)
Tobins Q-Ratio = 3.70 (Enterprise Value 1.71b / Book Value Of Equity 461.7m)
Interest Expense / Debt = 58.58% (Interest Expense 31.1m / Debt 53.0m)
Taxrate = 21.11% (12.1m / 57.3m)
NOPAT = 45.8m (EBIT 58.1m * (1 - 21.11%))
Current Ratio = 676.7 (Total Current Assets 3.43b / Total Current Liabilities 5.06m)
Debt / Equity = 0.11 (Debt 53.0m / last Quarter total Stockholder Equity 461.7m)
Debt / EBITDA = 0.83 (Net Debt -666.7m / EBITDA 63.9m)
Debt / FCF = 0.21 (Debt 53.0m / FCF TTM 252.7m)
Total Stockholder Equity = 420.6m (last 4 quarters mean)
RoA = 1.06% (Net Income 47.6m, Total Assets 4.48b )
RoE = 11.31% (Net Income TTM 47.6m / Total Stockholder Equity 420.6m)
RoCE = 12.39% (Ebit 58.1m / (Equity 420.6m + L.T.Debt 48.0m))
RoIC = 9.78% (NOPAT 45.8m / Invested Capital 468.5m)
WACC = unknown (E(1.69b)/V(1.74b) * Re(8.66%)) + (D(53.0m)/V(1.74b) * Rd(none%) * (1-Tc(0.21)))
Shares Correlation 3-Years: 90.91 | Cagr: 1.21%
Discount Rate = 8.66% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 79.46% ; FCFE base≈248.0m ; Y1≈305.9m ; Y5≈521.9m
Fair Price DCF = 522.3 (DCF Value 7.89b / Shares Outstanding 15.1m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: -30.18 | EPS CAGR: -5.10% | SUE: -1.09 | # QB: 0
Revenue Correlation: 74.49 | Revenue CAGR: 25.05%
Additional Sources for CCB Stock
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Fund Manager Positions: Dataroma | Stockcircle