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COASTAL FINANCIAL CORP

CCB

$43.26 ▼ -1.24 (-2.79%) at close

10 Visible periods

32 Metrics

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Fair

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Analytical Summary

COASTAL FINANCIAL CORP shows mixed fundamentals. Consider comparing against peers in the Financials sector before making investment decisions.

Market Cap $651.1M

Dividend Yield —

Revenue Growth -6.8% ↘

Op. Margin 11.3% ↗

ROIC None

FCF / Share None

Trailing P/E 13.9x

Price / Book 1.3x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Nov 5, 2026.

10-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$541.67M

↓ -6.8% —

Net Income Profit after all expenses

$46.99M

↑ +3.9% —

Operating Margin Operating profit as % of sales

11.3%

↑ +14.7% 60th

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Revenue Growth YoY (%)	-6.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-213%)	33.4% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+457%)	47.0% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+683%)	175.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+2827%)	64.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+967%)	30.4% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+407%)	24.8% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+313%)	20.6% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+244%)	—	—
EPS Growth YoY (%)	-6.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-0.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	7.0% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	39.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	77.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	14.4% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	19.4% Good Good Year-over-year change in earnings per share Optimal: > 10%	57.6% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	3.9% Caution ↓ Caution Declining Year-over-year change in net income	1.4% Caution ↓ Caution Declining Year-over-year change in net income	9.7% Fair ↓ Fair Declining Year-over-year change in net income	50.4% Excellent ↑ Excellent Improving Year-over-year change in net income	78.3% Excellent ↑ Excellent Improving Year-over-year change in net income	14.7% Fair ↓ Fair Declining Year-over-year change in net income	36.1% Excellent Excellent Year-over-year change in net income	78.5% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	22.3% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	75.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	88.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	80.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	38.7% Excellent Excellent Compound annual revenue growth over 3 years	25.2% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	52.5% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	63.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	61.0% Excellent Excellent Compound annual revenue growth over 5 years	54.8% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-0.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	14.2% Good ↓ Good Declining Compound annual EPS growth over 3 years	38.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	41.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	34.2% Excellent Excellent Compound annual EPS growth over 3 years	29.1% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Operating Margin (%) (%)	11.3% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-55%)	9.9% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-61%)	13.1% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-48%)	17.1% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-32%)	32.0% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+28%)	29.2% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+17%)	33.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+33%)	30.4% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+22%)	30.2% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	—
Effective Tax Rate (%) (%)	23.3% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.1% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.0% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.7% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.4% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.9% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.8% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.8% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	46.1% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	8.7% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-61%)	7.8% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-65%)	10.2% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-53%)	13.7% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-38%)	25.1% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+14%)	23.1% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	26.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	24.1% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+9%)	16.3% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-26%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	9.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-20%)	10.3% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-14%)	15.1% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+26%)	16.7% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+39%)	13.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+12%)	10.8% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-10%)	10.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-11%)	8.9% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	8.3% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-31%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Revenue per Share (USD)	$35.99	$43.03	$32.85	$22.89	$8.95	$5.50	$4.23	$3.86	$3.62	—
Basic EPS, GAAP (USD)	$3.12	$3.35	$3.36	$3.14	$2.25	$1.27	$1.11	$0.93	$0.59	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Book Value per Share (USD)	$32.43	$29.37	$22.17	$18.50	$16.74	$11.76	$10.44	$9.18	$7.39	—
Tangible Book Value per Share (USD)	$32.13	$29.37	$22.17	$18.50	$16.74	$11.76	$10.44	$9.18	$7.39	—
Basic Weighted Avg Shares (shares)	15.05M	13.51M	13.26M	12.95M	12.02M	11.92M	11.90M	10.44M	9.23M	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$490.96M	$438.70M	$294.98M	$243.49M	$201.22M	$140.22M	$124.17M	$109.16M	$65.71M	$59.90M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Sales/Revenue/Turnover (USD)	$541.67M	$581.23M	$435.70M	$296.46M	$107.56M	$65.57M	$50.27M	$40.28M	$33.39M	—
Depreciation Expense (USD)	$6.51M	$4.55M	$2.33M	$1.81M	$1.59M	$1.36M	$1.24M	$1.07M	$993.00K	—
Net Income, GAAP (USD)	$46.99M	$45.22M	$44.58M	$40.62M	$27.00M	$15.15M	$13.20M	$9.70M	$5.44M	—
Operating Cash Flow (USD)	$254.58M	$259.79M	$191.54M	$67.10M	$29.85M	$19.33M	$13.67M	$14.40M	$7.62M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Net Interest Margin (approx.) (%)	6.5%	6.6%	6.3%	5.5%	3.0%	3.2%	3.7%	3.7%	3.6%	—
Efficiency Ratio (%) (%)	53.1%	42.4%	44.7%	56.3%	58.8%	58.1%	61.8%	65.1%	67.2%	—

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Synced 4 days ago 10 years · 39 quarters

COASTAL FINANCIAL CORP

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10-Year Financial Trajectory

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