Coastal Financial Corporation Financial Ratios — CCB Stock

Profitability (USD)

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	8.52	10.95	11.25	11.46	15.82	18.17	16.47	12.32	10.11
Return on Assets (%)	- -	0.7	1.1	1.27	1.05	1.23	1.41	1.29	1.15	1.06
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	2.9	2.97	2.66	2.47	2.08	1.56	0.85	0.67	1.01	1.61
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	24.12	30.21	30.39	33.15	29.32	33.77	23.89	16.38	12.66	15.14
Profit Margin (%)	16.18	16.28	24.08	26.26	23.2	26.52	19.18	12.78	9.99	11.62
Net Income to Common Margin (%)	16.18	16.28	24.08	26.26	23.2	26.52	19.18	12.78	9.99	11.62
Effective Tax Rate (%)	32.91	46.12	20.76	20.77	20.87	21.44	19.75	21.97	21.11	23.27
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	8.52	10.95	11.25	11.46	15.82	18.17	16.47	12.32	10.11

Credit (USD)

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	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	29	34	34	32	200	59	53	54	53	53
ST Debt	- -	- -	- -	- -	154	- -	- -	- -	- -	- -
LT Debt	29	34	34	32	46	59	53	54	53	53
Total Debt/EBITDA	31.86	33.77	31.32	25.98	147.21	37.3	29.2	23.13	11.71	8.14
Net Debt/EBITDA	-65.32	-56.62	-86.12	-84.01	21.52	-479.07	-162.83	-187.02	-88.89	-105.75
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.22	8.27	11.6	11.01	7.94	7.63	7.82	7.88	10.65	10.35
Long-Term Debt/Equity (%)	47.6	51.02	30.73	25.96	32.73	29.42	21.69	18.26	12.15	10.8
Long-Term Debt/Capital (%)	31.88	33.47	23.3	20.61	13.51	22.73	17.69	15.42	10.83	9.75
Long-Term Debt/Total Assets (%)	3.85	4.16	3.52	2.86	2.6	2.25	1.68	1.44	1.29	1.12
Total Debt/Equity (%)	47.6	51.02	30.73	25.96	142.36	29.42	21.69	18.26	12.15	10.8
Total Debt/Capital (%)	31.88	33.47	23.3	20.61	58.75	22.73	17.69	15.42	10.83	9.75
Total Debt/Total Assets (%)	3.85	4.16	3.52	2.86	11.3	2.25	1.68	1.44	1.29	1.12
Net Debt to Equity	-97.6	-85.56	-84.5	-83.96	20.81	-377.84	-120.97	-147.6	-92.23	-140.32
Net Debt/Capital (%)	-2,385.23	-538.89	-506.35	-364.11	16.51	137.55	677.29	325.35	-1,025.03	356.98
EBITDA	1	1	1	1	1	2	2	2	5	7
EBITDA-CapEx	- -	- -	- -	- -	-4	-1	-1	-4	-5	-2
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.22	8.27	11.6	11.01	7.94	7.63	7.82	7.88	10.65	10.35
Long-Term Debt/Equity (%)	47.6	51.02	30.73	25.96	32.73	29.42	21.69	18.26	12.15	10.8
Long-Term Debt/Capital (%)	31.88	33.47	23.3	20.61	13.51	22.73	17.69	15.42	10.83	9.75
Long-Term Debt/Total Assets (%)	3.85	4.16	3.52	2.86	2.6	2.25	1.68	1.44	1.29	1.12
Total Debt/Equity (%)	47.6	51.02	30.73	25.96	142.36	29.42	21.69	18.26	12.15	10.8
Total Debt/Capital (%)	31.88	33.47	23.3	20.61	58.75	22.73	17.69	15.42	10.83	9.75
Total Debt/Total Assets (%)	3.85	4.16	3.52	2.86	11.3	2.25	1.68	1.44	1.29	1.12
CFO/Total Liabilities	1.05	1.03	1.71	1.36	1.19	1.23	2.31	5.54	7.05	5.99
CFO/CapEx	7.81	7.21	12.53	11.27	3.6	11.51	23.64	30.67	26.24	30.18
Altman's Z-Score	0.06	0.07	0.19	0.21	0.17	0.23	0.25	0.26	0.37	0.4

Working Capital (USD)

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	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	16.69	16.78	18.26	11.26	11.32	11.27	11.48	13.36	10.52
Days Sales Outstanding	- -	21.87	21.75	19.99	32.42	32.24	32.39	31.8	27.32	34.69
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	159	196	250	609	615	589	1,147	1,725
- Cash & Cash Equivalents	87	90	126	128	163	813	342	483	453	737
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	29	34	34	32	200	59	53	54	53	53
Enterprise Value	-92	-93	30	72	266	-181	229	60	748	1,041
Total Capital	89	100	144	156	340	260	299	349	492	544
Total Debt/Capital (%)	31.88	33.47	23.3	20.61	58.75	22.73	17.69	15.42	10.83	9.75
Total Debt / EV	-0.31	-0.36	1.11	0.45	0.75	-0.33	0.23	0.9	0.07	0.05
EV/Sales	- -	- -	0.75	1.43	4.08	- -	1.08	0.17	1.65	2.57
EV/EBITDA	- -	- -	28.12	58.02	196.49	- -	126.43	25.85	164.24	159.75
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	2.09	5.27	13.78	- -	3.41	0.31	2.88	4.09
EV/Free Cash Flow to Firm	- -	- -	1.94	4.84	10.79	- -	3.27	0.3	2.77	3.96
Diluted Market Cap	- -	- -	162	201	256	634	642	606	1,178	1,771
Diluted Enterprise Value	-58	-56	69	105	293	-120	353	176	779	1,087
EV per Share	- -	- -	2.88	6.05	22.35	- -	17.66	4.54	55.35	69.15
TTM Sales	31	33	40	50	65	102	212	349	453	405
TTM EBITDA	1	1	1	1	1	2	2	2	5	7
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	7	8	14	14	19	30	67	192	260	255
TTM Free Cash Flow to Firm	8	9	16	15	25	32	70	198	270	263

Multiples (USD)

API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	10.39	13.5	10.38	19.54	9.18	3.06	4.37	6.73
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-92	-93	30	72	266	-181	229	60	748	1,041
Low Price	- -	- -	11.85	12.54	8.41	19.61	35.61	29.91	35.67	76.11
EV/Sales	- -	- -	0.75	1.43	4.08	- -	1.08	0.17	1.65	2.57
EV/EBITDA	- -	- -	28.12	58.02	196.49	- -	126.43	25.85	164.24	159.75
Price/Earnings	- -	- -	16.39	14.84	16.53	22.54	15.15	13.21	25.36	36.7
Price/Earnings Average	- -	- -	17.15	14.29	11.9	13.98	13.98	12.16	15.1	31.2
Price/Earnings High	- -	- -	20.34	16.75	18.52	24.22	17.38	14.43	26.02	38.45
Price/Earnings Low	- -	- -	12.75	11.3	6.62	8.73	11.35	8.9	10.65	24.38
Price/Book Value	- -	- -	1.44	1.58	1.79	3.02	2.5	1.99	2.61	3.51
Price/Book Value Average	- -	- -	1.51	1.52	1.29	1.88	2.31	1.84	1.56	2.99
Price/Book Value High	- -	- -	1.79	1.78	2	3.25	2.87	2.18	2.68	3.68
Price/Book Value Low	- -	- -	1.12	1.2	0.72	1.17	1.88	1.34	1.1	2.33
Price/Tangible Book Value	- -	- -	1.46	1.58	1.79	3.02	2.53	2	2.61	3.55
Price/Tangible Book Value Average	- -	- -	1.52	1.52	1.29	1.88	2.33	1.84	1.56	3.01
Price/Tangible Book Value High	- -	- -	1.81	1.78	2	3.25	2.9	2.18	2.68	3.71
Price/Tangible Book Value Low	- -	- -	1.13	1.2	0.71	1.17	1.89	1.34	1.1	2.36
Price/Sales	- -	- -	3.95	3.9	3.84	5.98	2.9	1.69	2.53	4.26
Price/Sales Average	- -	- -	4.13	3.75	2.76	3.71	2.68	1.55	1.51	3.62
Price/Sales High	- -	- -	4.9	4.4	4.3	6.43	3.33	1.84	2.6	4.47
Price/Sales Low	- -	- -	3.07	2.97	1.54	2.32	2.18	1.14	1.06	2.83
Price/Cash Flow	- -	- -	11.04	14.33	12.95	20.39	9.17	3.07	4.41	6.77
Price/Cash Flow Average	- -	- -	11.55	13.8	9.32	12.64	8.46	2.83	2.63	5.76
Price/Cash Flow High	- -	- -	13.7	16.17	14.51	21.92	10.52	3.36	4.53	7.1
Price/Cash Flow Low	- -	- -	8.59	10.91	5.19	7.9	6.87	2.07	1.85	4.5
Price/Free Cash Flow Average	- -	- -	10.87	12.99	7.47	12.12	8.48	2.82	2.6	5.72
Price/Free Cash Flow High	- -	- -	12.89	15.23	11.63	21	10.54	3.34	4.48	7.05
Price/Free Cash Flow Low	- -	- -	8.08	10.28	4.16	7.57	6.88	2.06	1.84	4.47
EV/Sales Average	- -	- -	1.84	1.85	3.32	- -	1.32	0.32	0.63	1.93
EV/Sales High	- -	- -	2.61	2.5	4.86	- -	1.97	0.61	1.72	2.78
EV/Sales Low	- -	- -	0.78	1.07	2.1	- -	0.81	- -	0.18	1.14
EV/EBITDA Average	-65.32	-56.62	69.18	75.01	159.82	-237.28	154.03	48.49	62.27	120.06
EV/EBITDA High	-65.32	-56.62	98.13	101.14	233.77	-62.89	230.41	91.89	170.75	172.36
EV/EBITDA Low	-65.32	-56.62	29.4	43.2	100.85	-326.53	94.97	-14.01	18.14	70.85
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	15.23	16.47	21	50.62	47.52	44.41	84.91	114.59
High Price	- -	- -	18.9	18.58	23.53	54.41	54.53	48.5	87.1	120.05
Enterprise Value Average	-58	-56	74	93	217	-377	279	113	283	782
Enterprise Value High	-58	-56	105	126	317	-100	417	214	777	1,123
Enterprise Value Low	-58	-56	31	54	137	-518	172	-33	83	462

Shares Outstanding	11	11	12	12	12	13	13	13	15	15
Diluted Weighted Avg Shares	11	11	11	12	12	13	14	14	14	15
Basic Weighted Avg Shares	11	11	10	12	12	12	13	13	14	15
Revenue per Share	2.71	2.93	3.86	4.23	5.48	8.47	16.36	26.3	33.53	26.88
EBITDA per Share	0.08	0.09	0.1	0.1	0.11	0.13	0.14	0.18	0.34	0.43
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.44	0.48	0.93	1.11	1.27	2.25	3.14	3.36	3.35	3.12
Basic EPS from Cont Ops	0.44	0.48	0.93	1.11	1.27	2.25	3.14	3.36	3.35	3.12
Diluted EPS, GAAP	0.44	0.48	0.91	1.08	1.24	2.16	3.01	3.27	3.26	3.04
Diluted EPS from Cont Ops	0.44	0.48	0.91	1.08	1.24	2.16	3.01	3.27	3.26	3.04
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	0.62	0.67	1.38	1.15	1.62	2.48	5.18	14.44	19.23	16.91
Free Cash Flow per Basic Share	0.54	0.58	1.27	1.05	1.17	2.27	4.96	13.97	18.5	16.35
Cash & Equivalents per Share	10.53	11.11	15.56	13.13	15.39	70.57	33.94	43.93	33.5	48.97
Book Value per Share	5.34	5.85	10.58	10.44	11.76	16.74	18.98	22.28	32.48	32.62
Tangible Book Value per Share	5.25	5.76	10.45	10.44	11.76	16.74	18.8	22.24	32.48	32.32

Coastal Financial Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)