Coastal Financial Corporation (CCB) vs First Business Financial Services, Inc. (FBIZ)

Coastal Financial Corporation and First Business Financial Services, Inc. are both Banks Regional companies. Coastal Financial Corporation and First Business Financial Services, Inc. are of similar size ($661.2M and $623.6M). Coastal Financial Corporation has negative trailing earnings, so its P/E is not meaningful; First Business Financial Services, Inc. trades at 11.0×. Coastal Financial Corporation grew revenue faster over the last twelve months: 7.06% against 4.43%. First Business Financial Services, Inc. has the higher net margin (19.3% vs 0.00%) and the higher return on invested capital (8.54% vs 0.00%). Across the 17 metrics below, Coastal Financial Corporation leads on 9 and First Business Financial Services, Inc. on 8.

Valuation

Metric CCB FBIZ Banks Regional median
P/E n/m 11.03 12.02
P/S 0.91 2.14 2.36
P/B 1.38 1.58 1.23
Price to free cash flow 2.54 9.12 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (0.53%) 9.07% 8.21%
Free cash flow yield 39.32% 10.97% 9.23%

Profitability

Metric CCB FBIZ Banks Regional median
Gross margin 83.89% 62.45% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 0.00% 19.30% 18.82%
Free cash flow margin 0.00% 23.46% 17.97%
Return on equity (0.77%) 15.12% 10.28%
Return on assets (0.07%) 1.32% 1.13%
Return on invested capital 0.00% 8.54% 8.45%

Growth

Metric CCB FBIZ Banks Regional median
Revenue growth (TTM) 7.06% 4.43% 6.37%
EPS growth (last fiscal year) (4.31%) 14.23% 18.85%
Revenue growth, 5-year CAGR 56.15% 18.18% 12.65%
Net income growth, 5-year CAGR 25.41% 23.98% 9.81%

Health

Metric CCB FBIZ Banks Regional median
Debt to equity 0.10 0.46 0.17
Current ratio 0.00 1.02 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CCB FBIZ Banks Regional median
Dividend yield — 1.74% 2.49%
Payout ratio — 0.19 0.29

Size

Metric CCB FBIZ Banks Regional median
Market cap 661.22m 623.57m 934.85m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack