Coastal Financial Corp. (Washington) (CCB) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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Tompkins Financial Corp.

Coastal Financial Corp. (Washington)

Premier Financial Corp.

Eagle Bancorp, Inc. (Maryland)

Why is Coastal Financial Corp. (Washington) ?

High Profitability with a Net Interest Margin of 52.40%

Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 25.41%

Positive results in Mar 26

NII(Q) Highest at USD 83.36 MM
CASH AND EQV(HY) Highest at USD 86.94 MM
NET SALES(Q) Highest at USD 111.68 MM

With ROA of 0.53%, it has a very expensive valuation with a 2.27 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of -19.78%, its profits have risen by 3.9%

High Institutional Holdings at 89.51%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 3.85% over the previous quarter.

Underperformed the market in the last 1 year

Even though the market (S&P 500) has generated returns of 22.99% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -19.78% returns

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Coastal Financial Corp. (Washington) should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Coastal Financial Corp. (Washington) for you?

High Risk, High Return

Absolute

Risk Adjusted

Volatility

Coastal Financial Corp. (Washington)

-19.78%

1.51

42.93%

S&P 500

22.99%

1.78

12.93%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

46.79%

EBIT Growth (5y)

60.79%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

89.51%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

2.27

EV to EBIT

6.90

EV to EBITDA

5.62

EV to Capital Employed

-1.23

EV to Sales

0.80

PEG Ratio

Dividend Yield

ROCE (Latest)

Negative Capital Employed

ROE (Latest)

9.57%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Moving Averages

Mildly Bearish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

Mildly Bullish

Mildly Bearish

OBV

Mildly Bullish

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

6What is working for the Company

NII(Q)

Highest at USD 83.36 MM

CASH AND EQV(HY)

Highest at USD 86.94 MM

NET SALES(Q)

Highest at USD 111.68 MM

-3What is not working for the Company

GROSS NPA (%)

CREDIT DEPOSIT RATIO(HY)

Lowest at 76.56%

Here's what is working for Coastal Financial Corp. (Washington)

NII

Highest at USD 83.36 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Net Sales

Highest at USD 111.68 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Cash and Eqv

Highest at USD 86.94 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Here's what is not working for Coastal Financial Corp. (Washington)

Non Performing Loans (%)

Highest at 1.75%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Credit Deposit Ratio

Lowest at 76.56%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)

Capital Adequacy Ratio

Lowest at 12.17%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is deteriorating.

CAR (%)