Coastal Financial Corporation (CCB) Stock Analysis & Winston Score

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. It accepts a range of deposit products, including demand and savings accounts, time deposits, and money market accounts. The company offers commercial and industrial loans, including term loans, small business administration loans, commercial li

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+32.8% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+23.1% YoY

YoY Growth Rate

Steady EPS growth

Insider Activity

13.7%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$53M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue accelerating

Coastal Financial Corporation grew revenue 33% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

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Quality

Gross Margin

55.2%

Premium pricing power — 55.2% gross margin

Operating Margin

8.2%

Modest — 8.2% operating margin

ROCE

2.6%

Weak — 2.6% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+7.4%

Steady sales growth (7.4% YoY)

EPS YoY

-6.0%

Earnings shrinking (-6.0% YoY)

Slight earnings drop. Typical near a cyclical low.

EPS Consistency

2/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Cash Conversion

525%

Turns 525% of profit into real cash

FCF Margin

41.9%

Converts sales into free cash efficiently (41.9%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.10

Conservative — low debt load (0.10)

Interest Cover

0.54x

Dangerous — barely covers interest (0.5x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

24.0x

no trend

Growth-priced — P/E 24.0

P/E above the market average. People are paying up for expected growth.

P/E vs Forward

+6.1

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (24.0 → 17.9)

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Dividends

Not applicable for this business.

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