Coastal Financial Corporation (CCB) Key Metrics
CCB valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $642.3M
- Enterprise value
- −$313.5M
- P/E (TTM)
- — 10-yr median 16.8
- Forward P/E
- 16.7
- PEG ratio
- —
- Price / sales
- 1.8 10-yr median 3.1
- Price / book
- 1.4 10-yr median 2.3
- EV / EBITDA
- — 10-yr median 4.9
- Dividend yield
- —
- Beta
- 0.86
CCB key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsCCB valuation Price multiples at each fiscal year-end price.
CCB returns How much profit the business earns on the capital it uses.
CCB per-share figures Results divided by the shares outstanding at year-end.
CCB financial health Debt, liquidity and how easily interest is covered.
CCB efficiency & capital use Working capital cycle and where the cash goes.
CCB valuation history
CCB returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
CCB debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
CCB cash returned to shareholders
CCB price vs earnings per share
CCB key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $1.77B | $1.18B | $605.8M | $642.2M | $633.8M | $256.4M | $200.9M | $161.6M | — | — |
| Enterprise value | $1.79B | $778.9M | $77.0M | $255.6M | −$155.5M | $240.2M | $76.9M | $32.7M | — | — |
| P/E ratio | 37.7 | 26.1 | 13.6 | 15.8 | 23.5 | 16.9 | 15.2 | 16.7 | — | — |
| Price / sales | 2.7 | 2.0 | 1.8 | 2.8 | 6.0 | 3.6 | 3.5 | 3.7 | — | — |
| Price / book | 3.6 | 2.7 | 2.1 | 2.6 | 3.1 | 1.8 | 1.6 | 1.5 | — | — |
| Price / free cash flow | 7.2 | 4.7 | 3.3 | 10.0 | 23.3 | 18.4 | 16.1 | 12.2 | — | — |
| Price / operating cash flow | 7.0 | 4.5 | 3.2 | 9.6 | 21.2 | 13.3 | 14.7 | 11.2 | — | — |
| EV / sales | 2.7 | 1.4 | 0.2 | 1.1 | -1.5 | 3.4 | 1.4 | 0.7 | — | — |
| EV / EBITDA | 26.5 | 12.6 | 1.3 | 4.9 | — | 11.7 | 4.3 | 2.5 | — | — |
| EV / free cash flow | 7.3 | 3.1 | 0.4 | 4.0 | — | 17.2 | 6.2 | 2.5 | — | — |
| Earnings yield | 2.7% | 3.8% | 7.4% | 6.3% | 4.3% | 5.9% | 6.6% | 6.0% | — | — |
| Free cash flow yield | 13.9% | 21.2% | 30.6% | 10.0% | 4.3% | 5.4% | 6.2% | 8.2% | — | — |
| Shareholder yield (dividends + buybacks) | 0.2% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | — | — |
| Share price at fiscal year-end | $114.59 | $84.91 | $44.41 | $47.52 | $50.62 | $21.00 | $16.47 | $15.23 | — | — |
| Per share | ||||||||||
| Revenue per share | $42.80 | $41.55 | $24.22 | $17.18 | $8.42 | $5.81 | $4.66 | $4.17 | $3.18 | $2.93 |
| Earnings per share | $3.04 | $3.26 | $3.27 | $3.01 | $2.16 | $1.24 | $1.08 | $0.91 | $0.48 | $0.44 |
| Operating cash flow per share | $16.48 | $18.72 | $14.04 | $4.96 | $2.38 | $1.58 | $1.12 | $1.36 | $0.67 | $0.62 |
| Free cash flow per share | $15.93 | $18.01 | $13.58 | $4.75 | $2.18 | $1.14 | $1.02 | $1.25 | $0.58 | $0.54 |
| Cash per share | $2.22 | $32.61 | $42.71 | $32.52 | $67.77 | $15.03 | $12.81 | $15.31 | $11.11 | $10.53 |
| Book value per share | $31.78 | $31.62 | $21.63 | $18.02 | $16.07 | $11.48 | $10.18 | $10.29 | $5.76 | $5.25 |
| Tangible book value per share | $31.48 | $31.62 | $21.63 | $18.00 | $11.15 | $7.41 | $5.58 | $5.36 | $5.73 | $5.20 |
| Capex per share | $0.55 | $0.71 | $0.46 | $0.21 | $0.21 | $0.44 | $0.10 | $0.11 | $0.09 | $0.08 |
| Debt per share | $3.75 | $3.84 | $3.95 | $3.91 | $4.73 | $13.70 | $2.64 | $3.16 | $4.14 | $3.69 |
| Shares outstanding | 15.5M | 13.9M | 13.6M | 13.5M | 12.5M | 12.2M | 12.2M | 10.6M | 11.4M | 11.4M |
| Change in shares outstanding | +11.3% | +1.7% | +0.9% | +7.9% | +2.6% | +0.1% | +15.0% | −7.0% | 0.0% | +23.8% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 10.1% | 12.3% | 16.6% | 18.3% | 15.8% | 11.5% | 11.3% | 11.1% | 8.7% | 8.9% |
| Return on invested capital (ROIC) | 17.0% | — | — | — | — | 24.4% | — | — | — | — |
| Return on assets (ROA) | 1.1% | 1.1% | 1.3% | 1.4% | 1.2% | 1.0% | 1.3% | 1.1% | 0.7% | 0.8% |
| Return on tangible assets | 1.0% | 1.1% | 1.2% | 1.3% | 1.0% | 0.9% | 1.2% | 1.1% | 0.7% | 0.7% |
| Free cash flow margin | 37.2% | 43.3% | 56.1% | 27.7% | 25.8% | 19.7% | 21.9% | 30.0% | 18.1% | 18.6% |
| Income quality (OCF / net income) | 5.42 | 5.75 | 4.30 | 1.65 | 1.11 | 1.28 | 1.04 | 1.48 | 1.40 | 1.42 |
| Financial health | ||||||||||
| Total debt | $58.0M | $53.3M | $53.9M | $52.8M | $59.2M | $167.3M | $32.2M | $33.5M | $47.2M | $42.0M |
| Cash & short-term investments | $34.3M | $452.5M | $582.6M | $439.5M | $848.5M | $183.5M | $156.2M | $162.4M | $126.7M | $120.1M |
| Net debt | $23.7M | −$399.3M | −$528.8M | −$386.6M | −$789.3M | −$16.2M | −$123.9M | −$128.9M | −$79.5M | −$78.1M |
| Debt / equity | 0.12 | 0.12 | 0.18 | 0.22 | 0.29 | 1.19 | 0.26 | 0.31 | 0.72 | 0.70 |
| Debt / assets | 0.01 | 0.01 | 0.01 | 0.02 | 0.02 | 0.09 | 0.03 | 0.04 | 0.06 | 0.06 |
| Net debt / EBITDA | 0.35 | −6.45 | −9.26 | −7.37 | −21.95 | −0.79 | −6.92 | −9.68 | −7.17 | −9.35 |
| Current ratio | 728.91 | 0.13 | 0.18 | 0.16 | 0.36 | 1.25 | 0.16 | 0.21 | 565.58 | 543.79 |
| Quick ratio | 728.91 | 0.13 | 1.04 | 0.31 | 0.71 | 2.36 | 0.30 | 0.36 | 969.20 | 538.00 |
| Interest coverage | 0.5 | 0.5 | 0.6 | 2.5 | 9.4 | 3.4 | 2.5 | 3.1 | 3.5 | 3.0 |
| Working capital | $3.63B | −$3.13B | −$2.78B | −$2.37B | −$1.51B | $37.9M | −$809.1M | −$638.9M | $128.7M | $121.6M |
| Invested capital | $514.7M | $39.4M | −$233.8M | −$143.1M | −$588.1M | $124.0M | $240,000 | −$19.7M | −$13.8M | −$18.2M |
| Tangible asset value | $486.4M | $438.7M | $295.0M | $243.3M | $139.6M | $90.5M | $68.1M | $56.8M | $65.3M | $59.3M |
| Net current asset value | −$617.6M | −$3.19B | −$2.84B | −$2.43B | −$1.58B | −$1.43B | −$845.2M | −$678.0M | −$611.1M | −$558.9M |
| Graham number | $46.63 | $48.15 | $39.88 | $34.91 | $27.93 | $17.90 | $15.75 | $14.55 | $7.86 | $7.20 |
| Graham net-net per share | −$98.20 | −$230.87 | −$315.27 | −$196.24 | −$158.89 | −$124.64 | −$74.72 | −$70.01 | −$57.67 | −$48.99 |
| Capital allocation | ||||||||||
| Share buybacks (net) | $3.5M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $3,000 | $4,000 |
| Dividends + buybacks / free cash flow | 1.4% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.1% |
| Capex / revenue | 1.3% | 1.7% | 1.9% | 1.2% | 2.5% | 7.6% | 2.1% | 2.6% | 2.9% | 2.7% |
| Capex / operating cash flow | 3.3% | 3.8% | 3.3% | 4.2% | 8.7% | 27.8% | 8.9% | 8.0% | 13.9% | 12.8% |
| Capex / depreciation | 1.29 | 2.17 | 2.68 | 1.57 | 1.63 | 3.96 | 0.98 | 1.07 | 1.06 | 1.02 |
| Stock-based compensation / revenue | 1.3% | 0.8% | 1.1% | 1.1% | 1.2% | 0.9% | 0.8% | 0.7% | 0.8% | 0.4% |
| SG&A / revenue | 14.0% | 13.1% | 22.0% | 24.8% | 38.9% | 37.0% | 36.9% | 40.1% | 41.4% | 40.8% |
| Efficiency | ||||||||||
| Days sales outstanding | 1,003.0 | 21.5 | 33.6 | 29.5 | 31.1 | 29.8 | 17.7 | 19.8 | 20.1 | 18.9 |
| Days of inventory on hand | — | — | -2,203.7 | -2,284.5 | -13,363.5 | -3,955.0 | -5,184.9 | -6,990.7 | -4,421.3 | 193.3 |
| Days payables outstanding | 34.5 | 27.9 | 34.6 | 42.8 | 36.7 | 11.0 | 11.7 | 16.1 | 22.0 | 19,408.0 |
| Cash conversion cycle (days) | 968.4 | -6.4 | -2,204.8 | -2,297.7 | -13,369.1 | -3,936.1 | -5,179.0 | -6,987.0 | -4,423.2 | -19,195.8 |
| Receivables turnover | 0.36 | 17.01 | 10.87 | 12.35 | 11.73 | 12.23 | 20.65 | 18.42 | 18.12 | 19.35 |
| Payables turnover | 10.57 | 13.09 | 10.54 | 8.54 | 9.94 | 33.28 | 31.07 | 22.69 | 16.57 | 0.02 |
| Inventory turnover | — | — | — | — | — | — | — | — | — | 1.89 |
| Asset turnover | 0.15 | 0.15 | 0.10 | 0.08 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 |
| Average receivables | $1.82B | $33.9M | $30.4M | $18.8M | $9.0M | $5.8M | $2.8M | $2.4M | $2.0M | $1.7M |
| Average payables | $29.5M | $30.7M | $26.1M | $11.7M | $1.4M | $419,500 | $293,500 | $253,500 | $226,000 | $236.2M |
| Average inventory | — | — | −$1.66B | −$622.5M | −$496.5M | −$151.3M | −$129.6M | −$110.2M | −$45.4M | $2.4M |
| Intangibles / total assets | 0.1% | 0.0% | 0.0% | 0.0% | 2.3% | 2.8% | 5.0% | 5.5% | 0.1% | 0.1% |
Computed from CCB's annual financial statements (latest annual report filed February 27, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
CCB valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Coastal Financial traded at 37.7 times earnings, against a 10-year median of 16.8. Coastal Financial earned a return on equity of 10.1% and a return on invested capital of 17.0% in fiscal 2025. It ended the year with $58.0 million of debt and $34.3 million in cash and short-term investments, net debt of $23.7 million. It returned $3.5 million to shareholders: $0 in dividends and $3.5 million in share buybacks, 1% of free cash flow. The share count rose 35.5% from 11.4M to 15.5M over 9 years.
See the CCB income statement, the CCB chart for price history, or the CCB stock overview for the latest quote and news.
CCB key metrics FAQ
What is Coastal Financial's P/E ratio?
Coastal Financial traded at 37.7 times earnings at the end of fiscal 2025.
What is Coastal Financial's EV/EBITDA?
Coastal Financial's enterprise value was 26.5 times EBITDA at the end of fiscal 2025 (enterprise value $1.8 billion, EBITDA $67.8 million).
What is Coastal Financial's return on equity?
Coastal Financial's return on equity (ROE) was 10.1% in fiscal 2025: net income of $47.0 million on average shareholders' equity of $464.8 million.
What is Coastal Financial's ROIC?
Coastal Financial's return on invested capital was 17.0% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Coastal Financial have?
Coastal Financial had total debt of $58.0 million at the end of fiscal 2025, a debt-to-equity ratio of 0.12 and $23.7 million of net debt (0.35 times EBITDA).
Does Coastal Financial buy back its shares?
Yes. Coastal Financial spent $3.5 million on net share repurchases in fiscal 2025 Shares outstanding changed +11.3% over the year, to 15.5M..
What is Coastal Financial's free cash flow yield?
Coastal Financial generated $246.1 million of free cash flow in fiscal 2025, a free cash flow yield of 13.9% on its market value at year-end ($1.8 billion).
What is Coastal Financial's current ratio?
Coastal Financial's current ratio was 728.91 at the end of fiscal 2025: current assets were 728.91 times current liabilities.