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Coastal Financial Corporation (CCB) vs West Coast Community Bancorp (WCCB)

Coastal Financial Corporation and West Coast Community Bancorp are both Banks Regional companies. Coastal Financial Corporation and West Coast Community Bancorp are of similar size ($661.2M and $656.7M). Coastal Financial Corporation has negative trailing earnings, so its P/E is not meaningful; West Coast Community Bancorp trades at 12.3×. West Coast Community Bancorp grew revenue faster over the last twelve months: 16.0% against 7.06%. West Coast Community Bancorp has the higher net margin (29.8% vs 0.00%) and the higher return on invested capital (0.00% vs 0.00%). Across the 11 metrics below, West Coast Community Bancorp leads on 7 and Coastal Financial Corporation on 4.

Valuation

Metric CCB WCCB Banks Regional median
P/E n/m 12.27 12.02
P/S 0.91 3.64 2.36
P/B 1.38 n/m 1.23
Price to free cash flow 2.54 n/m 10.60
EV/EBITDA — n/m —
EV/Sales — 3.52 —
Earnings yield (0.53%) 8.15% 8.21%
Free cash flow yield 39.32% 0.00% 9.23%

Profitability

Metric CCB WCCB Banks Regional median
Gross margin 83.89% 100.00% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 0.00% 29.80% 18.82%
Free cash flow margin 0.00% 0.00% 17.97%
Return on equity (0.77%) 0.00% 10.28%
Return on assets (0.07%) 0.00% 1.13%
Return on invested capital 0.00% 0.00% 8.45%

Growth

Metric CCB WCCB Banks Regional median
Revenue growth (TTM) 7.06% 16.04% 6.37%
EPS growth (last fiscal year) (4.31%) 45.12% 18.85%
Revenue growth, 5-year CAGR 56.15% 25.23% 12.65%
Net income growth, 5-year CAGR 25.41% 23.50% 9.81%

Health

Metric CCB WCCB Banks Regional median
Debt to equity 0.10 — 0.17
Current ratio 0.00 — 0.93
Net debt to EBITDA 0.00 — 0.00

Dividend

Metric CCB WCCB Banks Regional median
Dividend yield — 1.62% 2.49%
Payout ratio — 0.20 0.29

Size

Metric CCB WCCB Banks Regional median
Market cap 661.22m 656.73m 934.85m

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