Coastal Financial Corporation (CCB) Financial Ratios
13 years of historical data (2013–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
18.51
↑+44% vs avg
5yr avg: 12.90
30Y Low3.0·High29.3
P/FCF
↓
4.51
↓-53% vs avg
5yr avg: 9.69
30Y Low3.3·High23.3
P/B Ratio
↑
2.29
↓-19% vs avg
5yr avg: 2.83
30Y Low1.5·High3.6
ROE
↓
10.1%
↑-31% vs avg
5yr avg: 14.6%
30Y Low5%·High18%
Debt/EBITDA
↓
0.95
↓-12% vs avg
5yr avg: 1.07
30Y Low0.9·High10.5
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
CCB Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Coastal Financial Corporation trades at 24.0x earnings, roughly in line with its 5-year average of 23.3x, sitting at the 75th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.2x, the stock trades at a premium of 81%. On a free-cash-flow basis, the stock trades at 4.5x P/FCF, 53% below the 5-year average of 9.7x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $1.1B | $1.8B | $1.2B | $606M | $642M | $634M | $256M | $201M | $162M | — | — |
| Enterprise Value | $1.1B | $1.8B | $779M | $176M | $353M | $-120154980 | $293M | $105M | $69M | — | — |
| P/E Ratio → | 23.97 | 37.69 | 26.13 | 13.58 | 15.79 | 23.44 | 16.94 | 15.25 | 16.74 | — | — |
| P/S Ratio | 1.68 | 2.68 | 2.04 | 1.38 | 2.77 | 6.01 | 3.61 | 3.53 | 3.65 | — | — |
| P/B Ratio | 2.29 | 3.61 | 2.69 | 2.05 | 2.64 | 3.15 | 1.83 | 1.62 | 1.48 | — | — |
| P/FCF | 4.51 | 7.19 | 4.71 | 3.27 | 9.99 | 23.26 | 18.36 | 16.12 | 12.19 | — | — |
| P/OCF | 4.36 | 6.95 | 4.54 | 3.16 | 9.57 | 21.24 | 13.26 | 14.69 | 11.22 | — | — |
P/E links to full P/E history page with 30-year chart
CCB EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Coastal Financial Corporation's enterprise value stands at 18.5x EBITDA, 44% above its 5-year average of 12.9x. The Financial Services sector median is 11.4x, placing the stock at a 62% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.71 | 1.35 | 0.40 | 1.52 | -1.14 | 4.13 | 1.85 | 1.57 | — | — |
| EV / EBITDA | 18.51 | 29.30 | 12.59 | 2.97 | 6.73 | -3.34 | 14.29 | 5.88 | 5.21 | — | — |
| EV / EBIT | 18.51 | 29.30 | 13.59 | 3.09 | 6.97 | -3.50 | 15.30 | 6.32 | 5.66 | — | — |
| EV / FCF | — | 7.29 | 3.12 | 0.95 | 5.49 | -4.41 | 20.98 | 8.45 | 5.23 | — | — |
CCB Profitability
Margins and return-on-capital ratios measuring operating efficiency
Coastal Financial Corporation earns an operating margin of 9.3%, below the Financial Services sector average of 21.6%. Operating margins have compressed from 13.0% to 9.3% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 10.1% is modest. ROIC of 8.8% represents adequate returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 52.8% | 52.8% | 30.4% | 37.4% | 57.2% | 87.1% | 80.3% | 84.0% | 87.0% | 89.7% | 86.7% |
| Operating Margin | 9.3% | 9.3% | 9.9% | 13.0% | 21.8% | 32.6% | 27.0% | 29.3% | 27.7% | 27.8% | 22.3% |
| Net Profit Margin | 7.1% | 7.1% | 7.8% | 10.1% | 17.5% | 25.6% | 21.4% | 23.2% | 21.9% | 15.0% | 15.0% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 10.1% | 10.1% | 12.3% | 16.6% | 18.3% | 15.8% | 11.5% | 11.3% | 11.1% | 8.7% | 8.9% |
| ROA | 1.1% | 1.1% | 1.1% | 1.3% | 1.4% | 1.2% | 1.0% | 1.3% | 1.1% | 0.7% | 0.8% |
| ROIC | 8.8% | 8.8% | 10.2% | 13.3% | 13.6% | 8.6% | 5.8% | 8.4% | 7.6% | 8.1% | 7.4% |
| ROCE | 2.3% | 2.3% | 13.3% | 17.2% | 17.6% | 14.9% | 10.9% | 10.8% | 9.8% | 10.4% | 2.3% |
CCB Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Coastal Financial Corporation carries a Debt/EBITDA ratio of 0.9x, which is very conservative (77% below the sector average of 4.1x). Net debt stands at $24M ($58M total debt minus $34M cash). Interest coverage of just 0.5x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.12 | 0.12 | 0.12 | 0.18 | 0.22 | 0.29 | 1.42 | 0.26 | 0.31 | 0.51 | 0.48 |
| Debt / EBITDA | 0.95 | 0.95 | 0.86 | 0.91 | 1.01 | 1.65 | 9.74 | 1.80 | 2.52 | 3.03 | 3.41 |
| Net Debt / Equity | — | 0.05 | -0.91 | -1.46 | -1.19 | -3.75 | 0.26 | -0.77 | -0.84 | -0.86 | -0.98 |
| Net Debt / EBITDA | 0.39 | 0.39 | -6.45 | -7.22 | -5.52 | -20.96 | 1.78 | -5.34 | -6.93 | -5.07 | -7.00 |
| Debt / FCF | — | 0.10 | -1.60 | -2.32 | -4.50 | -27.66 | 2.61 | -7.67 | -6.96 | -8.57 | -9.42 |
| Interest Coverage | 0.51 | 0.51 | 0.46 | 0.62 | 2.48 | 9.43 | 3.39 | 2.53 | 3.12 | 3.51 | 2.96 |
CCB Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
Coastal Financial Corporation's current ratio of 728.91x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.18x to 728.91x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 728.91 | 728.91 | 0.13 | 0.18 | 0.16 | 0.36 | 0.12 | 0.16 | 0.21 | 0.18 | 0.19 |
| Quick Ratio | 728.91 | 728.91 | 0.13 | 0.18 | 0.16 | 0.36 | 0.12 | 0.16 | 0.21 | 0.18 | 0.19 |
| Cash Ratio | 6.87 | 6.87 | 0.13 | 0.14 | 0.12 | 0.34 | 0.10 | 0.13 | 0.16 | 0.13 | 0.13 |
| Asset Turnover | — | 0.14 | 0.14 | 0.12 | 0.07 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
CCB Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Coastal Financial Corporation returns 0.3% to shareholders annually primarily through share buybacks. The earnings yield of 4.2% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 4.2% | 2.7% | 3.8% | 7.4% | 6.3% | 4.3% | 5.9% | 6.6% | 6.0% | — | — |
| FCF Yield | 22.2% | 13.9% | 21.2% | 30.6% | 10.0% | 4.3% | 5.4% | 6.2% | 8.2% | — | — |
| Buyback Yield | 0.3% | 0.2% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | — | — |
| Total Shareholder Yield | 0.3% | 0.2% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | — | — |
| Shares Outstanding | — | $15M | $14M | $14M | $14M | $13M | $12M | $12M | $11M | $11M | $11M |
Peer Comparison
Compare CCB with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 CCBYou | $1B | 24.0 | 18.5 | 4.5 | 52.8% | 9.3% | 10.1% | 8.8% | 0.9 |
 HFWA | $936M | 14.0 | 11.6 | 10.9 | 72.4% | 23.2% | 7.6% | 5.2% | 0.5 |
 COLB | $7B | 13.1 | 11.9 | 10.1 | 67.7% | 23.4% | 8.5% | 5.4% | 4.5 |
 WAFD | $3B | 13.5 | 13.0 | 13.1 | 50.9% | 20.5% | 7.5% | 3.9% | 6.1 |
 NWBI | $2B | 15.1 | 13.6 | 14.3 | 68.3% | 18.8% | 7.2% | 5.6% | 2.7 |
 CUBI | $3B | 12.5 | 12.1 | 5.4 | 51.6% | 22.0% | 11.3% | 6.6% | 4.9 |
 BFIN | $150M | 36.4 | 13.4 | 27.3 | 66.2% | 6.8% | 2.6% | 1.9% | 7.5 |
 FBIZ | $472M | 9.3 | 11.6 | 7.7 | 57.3% | 21.6% | 14.4% | 7.0% | 4.3 |
 MOFG | $1B | -13.9 | — | 16.7 | 29.4% | -40.8% | -11.1% | -9.4% | — |
 FIS | $23B | 58.0 | 7.1 | 9.2 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
 FISV | $30B | 8.8 | 6.5 | 6.8 | 59.4% | 26.9% | 13.0% | 8.1% | 3.3 |
| Financial Services Median | — | 13.2 | 11.4 | 10.6 | 63.6% | 21.6% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Start ComparisonCCB — Frequently Asked Questions
Quick answers to the most common questions about buying CCB stock.
What is Coastal Financial Corporation's P/E ratio?
Coastal Financial Corporation's current P/E ratio is 24.0x. The historical average is 20.7x. This places it at the 75th percentile of its historical range.
What is Coastal Financial Corporation's EV/EBITDA?
Coastal Financial Corporation's current EV/EBITDA is 18.5x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 11.0x.
What is Coastal Financial Corporation's ROE?
Coastal Financial Corporation's return on equity (ROE) is 10.1%. The historical average is 11.2%.
Is CCB stock overvalued?
Based on historical data, Coastal Financial Corporation is trading at a P/E of 24.0x. This is at the 75th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are Coastal Financial Corporation's profit margins?
Coastal Financial Corporation has 52.8% gross margin and 9.3% operating margin.
How much debt does Coastal Financial Corporation have?
Coastal Financial Corporation's Debt/EBITDA ratio is 0.9x, indicating low leverage. A ratio below 2x is generally considered financially healthy.