Coastal Financial Financials

CCB Stock  USD 77.99  1.30  1.70%   
Based on the analysis of Coastal Financial's profitability, liquidity, and operating efficiency, Coastal Financial Corp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At present, Coastal Financial's Total Assets are projected to increase significantly based on the last few years of reporting. The current year's Total Current Liabilities is expected to grow to about 3.5 B, whereas Property Plant And Equipment Net is forecasted to decline to about 19.3 M. Key indicators impacting Coastal Financial's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.150.1349
Moderately Up
Slightly volatile
Return On Assets0.0070.0119
Way Down
Slightly volatile
Return On Equity0.080.1511
Way Down
Slightly volatile
Debt Equity Ratio0.290.1651
Way Up
Slightly volatile
Operating Income60 M57.1 M
Sufficiently Up
Slightly volatile
Current Ratio0.180.1891
Notably Down
Pretty Stable
Investors should never underestimate Coastal Financial's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Coastal Financial's cash flow, debt, and profitability to make informed and accurate decisions about investing in Coastal Financial Corp.

Net Income

46.81 Million

  
Understanding current and past Coastal Financial Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Coastal Financial's financial statements are interrelated, with each one affecting the others. For example, an increase in Coastal Financial's assets may result in an increase in income on the income statement.
Please note, the presentation of Coastal Financial's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Coastal Financial's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Coastal Financial's management manipulating its earnings.

Coastal Financial Stock Summary

Coastal Financial competes with Fifth Third, Zions Bancorporation, Huntington Bancshares, Comerica, and MT Bank. Coastal Financial Corporation operates as the bank holding company for Coastal Community Bank that provides various banking products and services to small to medium-sized businesses, professionals, and individuals in the Puget Sound region in Washington. Coastal Financial Corporation was founded in 1997 and is headquartered in Everett, Washington. Coastal Financial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 433 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS19046P2092
CUSIP19046P209
LocationWashington; U.S.A
Business Address5415 Evergreen Way,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.coastalbank.com
Phone425 257 9000
CurrencyUSD - US Dollar

Coastal Financial Key Financial Ratios

Coastal Financial Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets1.1B1.8B2.6B3.1B3.8B3.9B
Other Liab3.8M4.5M11.0M29.9M34.4M36.2M
Net Tangible Assets124.2M140.2M201.2M243.5M280.0M294.0M
Net Debt(95.6M)(117.2M)(754.0M)(289.3M)(429.3M)(407.8M)
Retained Earnings37.2M52.4M79.4M120.0M165.3M173.6M
Accounts Payable308K531K2.2M21.1M34.5M32.8M
Cash127.8M163.1M813.2M342.1M483.1M247.4M
Other Assets910.6M1.5B1.7B2.5B2.4B1.3B
Long Term Debt23.6M13.6M52.9M47.6M47.7M34.1M
Other Current Assets130.8M171.7M821.3M423.7M627.0M658.3M
Total Liab1.0B1.6B2.4B2.9B3.5B3.6B
Total Current Assets159.2M192.1M856.6M467.7M1.2B1.3B
Common Stock87.0M87.8M121.8M125.8M130.1M91.9M
Other Current Liab(308K)(154.2M)(2.6M)(21.1M)(35.5M)(37.3M)
Net Receivables3.0M8.6M8.1M28.2M35.9M37.7M
Long Term Debt Total13.6M13.6M27.9M47.6M54.7M57.5M
Intangible Assets350K298K269K183K164.7K285.0K
Net Invested Capital147.7M178.8M254.1M291.1M342.7M228.9M

Coastal Financial Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense6.6M5.7M3.6M20.4M91.6M96.2M
Total Revenue50.3M65.6M101.8M213.6M330.4M346.9M
Gross Profit50.3M65.6M101.8M213.6M330.4M346.9M
Operating Income16.7M19.1M34.4M71.0M57.1M60.0M
Ebit16.7M19.1M34.4M71.0M57.1M60.0M
Ebitda17.9M20.5M36.0M72.8M57.1M60.0M
Income Before Tax16.7M19.1M34.4M50.6M57.1M60.0M
Net Income13.2M15.1M27.0M40.6M44.6M46.8M
Income Tax Expense3.5M4.0M7.4M10.0M12.6M13.2M
Tax Provision3.5M4.0M7.4M10.0M12.1M12.7M
Net Interest Income41.8M57.2M79.2M171.4M232.1M243.7M
Interest Income48.4M62.8M82.8M191.8M306.8M322.1M

Coastal Financial Key Cash Accounts

201920202021202220232024 (projected)
Investments(155.3M)(659.3M)(865.7M)(993.1M)(581.1M)(552.1M)
Change In Cash3.6M(24.9M)(4.5M)(471.0M)141.0M148.0M
Free Cash Flow12.5M14.0M27.3M64.3M190.3M199.8M
Depreciation1.2M1.4M1.6M1.8M2.3M1.3M
Other Non Cash Items1.7M8.5M6.6M78.8M183.5M192.6M
Capital Expenditures1.2M5.4M2.6M2.8M6.2M6.6M
Net Income13.2M15.1M27.0M40.6M44.6M46.8M
End Period Cash Flow43.9M19.0M14.5M342.1M483.1M507.3M
Change To Netincome470K4.2M2.8M26.5M30.4M32.0M

Coastal Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Coastal Financial's current stock value. Our valuation model uses many indicators to compare Coastal Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Coastal Financial competition to find correlations between indicators driving Coastal Financial's intrinsic value. More Info.
Coastal Financial Corp is number one stock in return on equity category among its peers. It is rated second in return on asset category among its peers reporting about  0.08  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Coastal Financial Corp is roughly  12.51 . At present, Coastal Financial's Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Coastal Financial's earnings, one of the primary drivers of an investment's value.

Coastal Financial Corp Systematic Risk

Coastal Financial's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Coastal Financial volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
Execute Function
The function did not generate any output. Please change time horizon or modify your input parameters. The output start index for this execution was one with a total number of output elements of sixty. The Beta measures systematic risk based on how returns on Coastal Financial Corp correlated with the market. If Beta is less than 0 Coastal Financial generally moves in the opposite direction as compared to the market. If Coastal Financial Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Coastal Financial Corp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Coastal Financial is generally in the same direction as the market. If Beta > 1 Coastal Financial moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Coastal Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Coastal Financial's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Coastal Financial growth as a starting point in their analysis.

Price Earnings To Growth Ratio

1.09

At present, Coastal Financial's Price Earnings To Growth Ratio is projected to increase slightly based on the last few years of reporting.

Coastal Financial November 26, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Coastal Financial help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Coastal Financial Corp. We use our internally-developed statistical techniques to arrive at the intrinsic value of Coastal Financial Corp based on widely used predictive technical indicators. In general, we focus on analyzing Coastal Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Coastal Financial's daily price indicators and compare them against related drivers.

Complementary Tools for Coastal Stock analysis

When running Coastal Financial's price analysis, check to measure Coastal Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Coastal Financial is operating at the current time. Most of Coastal Financial's value examination focuses on studying past and present price action to predict the probability of Coastal Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Coastal Financial's price. Additionally, you may evaluate how the addition of Coastal Financial to your portfolios can decrease your overall portfolio volatility.
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