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): 10.04%
Revenue Trend (3y Corr): 49.0%

Last SUE: -0.44σ
Qual. Beats: 0

Risk via 10d forecast
Volatility	42.4%
Value at Risk 5%th	65.3%
Relative Tail Risk	-6.43%

Reward TTM
Sharpe Ratio	0.93
Alpha	26.37

Character TTM
Hurst Exponent	0.425
Beta	0.997
Beta Downside	1.229

Drawdowns 3y
Max DD	39.02%
Mean DD	15.14%
Median DD	15.41%

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	1,607m
Sub-Industry	Regional Banks
IPO / Inception	2018-07-18
Return 12m vs S&P 500	23.0%
Analyst Rating	4.75 of 5

CCB Dividends

Currently no dividends paid

CCB Growth Ratios

Metric	Value
CAGR 3y	29.15%
CAGR/Max DD Calmar Ratio	0.75
CAGR/Mean DD Pain Ratio	1.93
Current Volume	228.6k
Average Volume	93.3k

Piotroski VR‑10 (Strict, 0-10) 4.0

Net Income (47.7m TTM) > 0 and > 6% of Revenue (6% = 29.8m TTM)

FCFTA 0.06 (>2.0%) and ΔFCFTA -0.26pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 721.8% (prev -555.7%; Δ 1277 pp) (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 (-30.0m) to EBITDA (65.9m) ratio: -0.45 <= 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 51.65% (prev 29.51%; Δ 22.14pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 11.51% (prev 13.91%; Δ -2.40pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.36 (EBITDA TTM 65.9m / 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

(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) 66.59

1. Piotroski 4.0pt = -1.0

2. FCF Yield 15.74% = 5.0

3. FCF Margin 51.55% = 7.50

4. Debt/Equity 0.11 = 2.49

5. Debt/Ebitda -0.45 = 2.50

6. ROIC - WACC (= -2.77)% = -3.47

7. RoE 10.46% = 0.87

8. Rev. Trend 48.99% = 3.67

9. EPS Trend -19.56% = -0.98

What is the price of CCB shares?

As of November 18, 2025, the stock is trading at USD 102.51 with a total of 228,569 shares traded.
Over the past week, the price has changed by -4.44%, over one month by +0.50%, over three months by -3.25% and over the past year by +40.95%.

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	28%
Analysts Target Price	131.2	28%
ValueRay Target Price	124.9	21.8%

CCB Fundamental Data Overview November 10, 2025

Market Cap USD = 1.61b (1.61b USD * 1.0 USD.USD)
P/E Trailing = 33.4403
P/E Forward = 16.7224
P/S = 4.6923
P/B = 3.5611
Beta = 0.899
Revenue TTM = 496.1m USD
EBIT TTM = 43.4m USD
EBITDA TTM = 65.9m USD
Long Term Debt = 47.9m USD (from longTermDebt, last fiscal year)
Short Term Debt = 4.96m USD (from shortTermDebt, last quarter)
Debt = 53.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -30.0m USD (from netDebt column, last quarter)
Enterprise Value = 1.63b USD (1.61b + Debt 53.0m - CCE 35.0m)
Interest Coverage Ratio = 0.36 (Ebit TTM 43.4m / Interest Expense TTM 121.1m)
FCF Yield = 15.74% (FCF TTM 255.7m / Enterprise Value 1.63b)
FCF Margin = 51.55% (FCF TTM 255.7m / Revenue TTM 496.1m)
Net Margin = 9.62% (Net Income TTM 47.7m / Revenue TTM 496.1m)
Gross Margin = 51.65% ((Revenue TTM 496.1m - Cost of Revenue TTM 239.8m) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 45.08%)
Tobins Q-Ratio = 0.36 (Enterprise Value 1.63b / Total Assets 4.55b)
Interest Expense / Debt = 58.78% (Interest Expense 31.1m / Debt 53.0m)
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 = 0.11 (Debt 53.0m / totalStockholderEquity, last quarter 475.3m)
Debt / EBITDA = -0.45 (Net Debt -30.0m / EBITDA 65.9m)
Debt / FCF = -0.12 (Net Debt -30.0m / FCF TTM 255.7m)
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 = 9.38% (E(1.61b)/V(1.66b) * Re(9.69%) + (debt cost/tax rate unavailable))
Discount Rate = 9.69% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 6.27%
[DCF Debug] Terminal Value 76.28% ; FCFE base≈249.0m ; Y1≈307.2m ; Y5≈524.0m
Fair Price DCF = 440.8 (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: 48.99 | Revenue CAGR: 10.04% | SUE: -0.44 | # QB: 0

Additional Sources for CCB Stock

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