Coastal Financial Corporation — Earnings Quality Grade A
CCB · Financial Services
Strong financial health
Screening Summary
Management Signals
Source: SEC EDGAR 8-K Item 5.02, with exhibit links when available
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 38 days, change +9 days YoY
AR growth 18.2% exceeds revenue growth -10.7%
Revenue -10.7%, CFFO -2.0%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -14.8% vs revenue -10.7%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 5.42. Profits backed by cash
FCF $0.2B, FCF/NI = 5.24
Accruals ratio = -4.4%. Low accruals
Cash $0.7B covers debt $0.1B
Balance Sheet Health
No goodwill. Clean balance sheet
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
No goodwill
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Coastal Financial Corporation is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25