Coastal Financial Corporation Fundamental Analysis (NASDAQ: CCB)
Coastal Financial Corporation Fundamental Analysis (NASDAQ: CCB)
Coastal Financial Corporation (NASDAQ: CCB) shows moderate financial fundamentals with a PE ratio of -186.71, profit margin of -0.49%, and ROE of -0.80%. The company generates $0.8B in annual revenue with strong year-over-year growth of 14.67%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 57.4/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze CCB's fundamental strength across five key dimensions:
Efficiency Score
WeakCCB struggles to generate sufficient returns from assets.
Valuation Score
ExcellentCCB trades at attractive valuation levels.
Growth Score
ModerateCCB shows steady but slowing expansion.
Financial Health Score
ExcellentCCB maintains a strong and stable balance sheet.
Profitability Score
WeakCCB struggles to sustain strong margins.
Key Financial Metrics
Is CCB Expensive or Cheap?
P/E Ratio
CCB trades at -186.71 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, CCB's PEG of 1.74 indicates fair valuation.
Price to Book
The market values Coastal Financial Corporation at 1.52 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 7.50 times EBITDA. This is generally considered low.
How Well Does CCB Make Money?
Net Profit Margin
For every $100 in sales, Coastal Financial Corporation keeps $-0.49 as profit after all expenses.
Operating Margin
Core operations generate 11.35 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $-0.80 in profit for every $100 of shareholder equity.
ROA
Coastal Financial Corporation generates $-0.07 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Coastal Financial Corporation generates strong operating cash flow of $272.06M, reflecting robust business health.
Free Cash Flow
Coastal Financial Corporation generates strong free cash flow of $268.44M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $17.60 in free cash annually.
FCF Yield
CCB converts 37.22% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
-186.71
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
1.74
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.52
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.90
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.11
vs 25 benchmark
Current Ratio
Current assets to current liabilities
898.63
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
-0.01
vs 25 benchmark
ROA
Return on assets percentage
-0.00
vs 25 benchmark
ROCE
Return on capital employed
0.02
vs 25 benchmark
How CCB Stacks Against Its Sector Peers
| Metric | CCB Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | -186.71 | 21.07 | Better (Cheaper) |
| ROE | -0.80% | 647.00% | Weak |
| Net Margin | -0.49% | -1594.00% (disorted) | Weak |
| Debt/Equity | 0.11 | 0.90 | Strong (Low Leverage) |
| Current Ratio | 898.63 | 912.43 | Strong Liquidity |
| ROA | -0.07% | -579.00% (disorted) | Weak |
CCB outperforms its industry in 3 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Coastal Financial Corporation's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
635.56%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
144.80%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
939.14%
Industry Style: Value, Dividend, Cyclical
High Growth