Demonstrações financeiras detalhadas de Coastal Financial Corporation (CCB): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Coastal Financial Corporation registou receitas de $661.2M no último exercício, com um CAGR de 5 anos de 56.3%. O lucro líquido atingiu $47.0M, com CAGR de 5 anos de 25.4%.
Margens dos últimos 12 meses: margem bruta 53.6%, margem operacional 11.3%, margem líquida -0.5%. O fluxo de caixa livre cresceu a CAGR de 77.5% em 5 anos.
Ao preço atual de $46.03, CCB apresenta lucros negativos (P/L não significativo) e um ROE de -0.80%. A capitalização de mercado é de $702M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $33.4M | $36.3M | $44.2M | $56.8M | $70.9M | $105.5M | $232.2M | $440.4M | $576.6M | $661.2M |
| Custo da Receita | $4.4M | $3.7M | $5.8M | $9.1M | $14.0M | $13.6M | $99.5M | $275.6M | $401.4M | $312.2M |
| Lucro Bruto | $29.0M | $32.5M | $38.5M | $47.7M | $57.0M | $91.9M | $132.8M | $164.8M | $175.3M | $349.0M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $13.6M | $15.0M | $17.7M | $21.0M | $26.3M | $41.1M | $57.5M | $72.1M | $75.5M | $92.4M |
| Despesas Operacionais | $21.5M | $22.4M | $26.2M | $31.1M | $37.8M | $57.5M | $82.2M | $107.7M | $117.9M | $287.8M |
| Lucro Operacional | $7.5M | $10.1M | $12.2M | $16.7M | $19.1M | $34.4M | $50.6M | $57.1M | $57.3M | $61.2M |
| EBITDA | $8.4M | $11.1M | $13.3M | $17.9M | $20.5M | $36.0M | $52.4M | $59.5M | $61.9M | $67.8M |
| Despesas com Juros | $2.5M | $2.9M | $3.9M | $6.6M | $5.7M | $3.6M | $20.4M | $91.6M | $123.7M | $119.6M |
| Lucro Antes de Impostos | $7.5M | $10.1M | $12.2M | $16.7M | $19.1M | $34.4M | $50.6M | $57.1M | $57.3M | $61.2M |
| Imposto | $2.5M | $4.7M | $2.5M | $3.5M | $4.0M | $7.4M | $10.0M | $12.6M | $12.1M | $14.3M |
| Lucro Líquido | $5.0M | $5.4M | $9.7M | $13.2M | $15.1M | $27.0M | $40.6M | $44.6M | $45.2M | $47.0M |
| LPA | $0.44 | $0.48 | $0.93 | $1.11 | $1.27 | $2.25 | $3.14 | $3.36 | $3.35 | $3.12 |
| LPA Diluído | $0.44 | $0.48 | $0.91 | $1.08 | $1.24 | $2.16 | $3.01 | $3.27 | $3.25 | $3.04 |
| Ações em Circulação (Diluídas) | $11.4M | $11.4M | $10.6M | $12.2M | $12.2M | $12.5M | $13.5M | $13.6M | $13.9M | $15.5M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $140.8M | $166.5M | $177.8M | $302.1M |
| Lucro Bruto | $53.1M | $90.0M | $98.0M | $180.8M |
| Lucro Operacional | $17.9M | $17.2M | $14.6M | $39.7M |
| EBITDA | $19.5M | $18.9M | $16.3M | $39.7M |
| Lucro Líquido | $13.6M | $12.6M | $12.0M | -$42.1M |
| LPA | $0.90 | $0.84 | $0.80 | $-2.79 |
| LPA Diluído | $0.88 | $0.82 | $0.78 | $-2.72 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $87.0M | $89.8M | $125.8M | $127.8M | $163.1M | $813.2M | $342.1M | $483.1M | $452.5M | $34.2M |
| Investimentos de Curto Prazo | $33.1M | $36.9M | $36.7M | $28.4M | $20.4M | $35.3M | $97.3M | $99.5M | $35000 | $29000 |
| Contas a Receber | $1.7M | $2.3M | $2.5M | $3.0M | $8.6M | $9.4M | $28.2M | $32.5M | $35.2M | $3.60B |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $121.8M | $129.0M | $165.0M | $159.2M | $192.1M | $857.9M | $467.7M | $615.2M | $487.8M | $3.63B |
| Imobilizado | $13.1M | $13.1M | $13.2M | $21.6M | $24.2M | $23.3M | $23.2M | $28.0M | $32.6M | $34.1M |
| Ágio | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | $4.5M |
| Ativos Intangíveis | 0 | 0 | 0 | 0 | 0 | $269000 | 0 | 0 | 0 | 0 |
| Ativos Totais | $740.6M | $805.8M | $952.1M | $1.13B | $1.77B | $2.64B | $3.14B | $3.75B | $4.12B | $4.74B |
| Contas a Pagar | $224000 | $228000 | $279000 | $308000 | $531000 | $2.2M | $21.1M | $31.2M | $30.1M | 0 |
| Dívida de Curto Prazo | 0 | 0 | 0 | 0 | $153.7M | 0 | 0 | 0 | 0 | 0 |
| Passivos Circulantes | $648.9M | $703.5M | $803.9M | $968.3M | $1.58B | $2.37B | $2.84B | $3.39B | $3.62B | $5.0M |
| Dívida de Longo Prazo | $28.5M | $33.5M | $33.5M | $23.6M | $38.6M | $52.9M | $47.6M | $47.7M | $47.9M | $53.0M |
| Passivos Totais | $680.7M | $740.0M | $843.0M | $1.00B | $1.63B | $2.43B | $2.90B | $3.46B | $3.68B | $4.25B |
| Reservas | $8.7M | $14.1M | $24.0M | $37.2M | $52.4M | $79.4M | $120.0M | $165.3M | $210.5M | $257.5M |
| Patrimônio Líquido | $59.9M | $65.7M | $109.2M | $124.2M | $140.2M | $201.2M | $243.5M | $295.0M | $438.7M | $491.0M |
| Dívida Total | $28.5M | $33.5M | $33.5M | $32.2M | $199.6M | $59.2M | $52.8M | $53.9M | $53.3M | $58.0M |
| Dívida Líquida | -$91.6M | -$93.1M | -$128.9M | -$123.9M | $16.1M | -$789.3M | -$386.6M | -$528.8M | -$399.3M | $23.7M |
| Capital de Giro | -$527.1M | -$574.6M | -$638.9M | -$809.1M | -$1.38B | -$1.51B | -$2.37B | -$2.78B | -$3.13B | $3.63B |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $642.3M | $34.2M | $52.7M | $48.1M |
| Ativos Totais | $4.55B | $4.74B | $5.66B | $5.46B |
| Passivos Totais | $4.08B | $4.25B | $5.16B | $4.99B |
| Patrimônio Líquido | $475.3M | $491.0M | $503.8M | $463.4M |
| Dívida Total | $53.0M | $58.0M | $52.9M | $52.6M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $5.0M | $5.4M | $9.7M | $13.2M | $15.1M | $27.0M | $40.6M | $44.6M | $45.2M | $47.0M |
| Depreciação e Amortização | $895000 | $993000 | $1.1M | $1.2M | $1.4M | $1.6M | $1.8M | $2.3M | $4.6M | $6.5M |
| Compensação em Ações | $143000 | $285000 | $310000 | $431000 | $630000 | $1.3M | $2.5M | $3.7M | $4.8M | $8.6M |
| Variação Capital de Giro | $306000 | -$968000 | $2.3M | -$2.3M | -$5.2M | -$3.8M | -$46.0M | -$56.4M | -$72.6M | -$5.1M |
| Fluxo de Caixa Operacional | $7.1M | $7.6M | $14.4M | $13.7M | $19.3M | $29.8M | $67.1M | $191.5M | $259.8M | $254.6M |
| CapEx | -$911000 | -$1.1M | -$1.1M | -$1.2M | -$5.4M | -$2.6M | -$2.8M | -$6.2M | -$9.9M | -$8.4M |
| Aquisições | 0 | 0 | 0 | 0 | 0 | -$20.0M | 0 | 0 | 0 | 0 |
| Recompra de Ações | -$4000 | -$3000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -$3.5M |
| Dividendos Pagos | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Fluxo de Caixa Livre | $6.2M | $6.6M | $13.3M | $12.5M | $14.0M | $27.3M | $64.3M | $185.3M | $249.9M | $246.1M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $59.0M | $57.8M | $76.0M | $76.9M |
| CapEx | -$1.7M | -$1.9M | -$1.8M | $1.8M |
| Fluxo de Caixa Livre | $57.4M | $55.9M | $74.1M | $78.7M |
| Dividendos Pagos | 0 | 0 | 0 | 0 |
| Compensação em Ações | $50000 | $4.0M | $2.0M | 0 |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +8.5% | +21.9% | +28.6% | +24.8% | +48.7% | +120.2% | +89.6% | +30.9% | +14.7% |
| Crescimento Lucro Líquido (anual) | | +8.7% | +78.5% | +36.1% | +14.7% | +78.3% | +50.4% | +9.7% | +1.4% | +3.9% |
| Crescimento LPA (anual) | | +9.1% | +93.8% | +19.4% | +14.4% | +77.2% | +39.6% | +7.0% | -0.3% | -6.9% |
| Variação de Ações (anual) | | +0.0% | -7.0% | +15.0% | +0.1% | +2.6% | +7.9% | +0.9% | +1.7% | +11.3% |
| Crescimento FCF (anual) | | +5.7% | +102.0% | -6.0% | +12.1% | +95.2% | +135.8% | +188.4% | +34.9% | -1.5% |
| Margem Bruta | 86.7% | 89.7% | 87.0% | 84.0% | 80.3% | 87.1% | 57.2% | 37.4% | 30.4% | 52.8% |
| Margem Operacional | 22.3% | 27.8% | 27.7% | 29.3% | 27.0% | 32.6% | 21.8% | 13.0% | 9.9% | 9.3% |
| Margem EBITDA | 25.0% | 30.6% | 30.1% | 31.5% | 28.9% | 34.1% | 22.6% | 13.5% | 10.7% | 10.2% |
| Margem Líquida | 15.0% | 15.0% | 21.9% | 23.2% | 21.4% | 25.6% | 17.5% | 10.1% | 7.8% | 7.1% |
| Margem FCF | 18.6% | 18.1% | 30.0% | 21.9% | 19.7% | 25.8% | 27.7% | 42.1% | 43.3% | 37.2% |
| Taxa Efetiva de Imposto | 32.9% | 46.1% | 20.8% | 20.8% | 20.9% | 21.4% | 19.7% | 22.0% | 21.1% | 23.3% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $0.54 | $0.58 | $1.25 | $1.02 | $1.14 | $2.18 | $4.75 | $13.58 | $18.01 | $15.93 |
| Dividendo por Ação | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Ações em Circulação (Básicas) | $11.4M | $11.4M | $10.4M | $11.9M | $11.9M | $12.0M | $12.9M | $13.3M | $13.5M | $15.1M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | -0.80% |
| Retorno sobre capital investido | 1.52% |
| Retorno sobre ativos | -0.07% |
| Margem bruta | 53.59% |
| Margem operacional | 11.35% |
| Margem líquida | -0.49% |
Saúde financeira
| Dívida / Patrimônio | 0.11 |
| Liquidez corrente | 898.63 |
| Piotroski F-Score | 7 |
| Altman Z-Score | 1.42 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 37.27 | 34.17 | 16.38 | 14.84 | 16.54 | 22.50 | 15.13 | 13.22 | 25.35 | 36.73 |
| P/VP | 3.12 | 2.85 | 1.46 | 1.58 | 1.79 | 3.02 | 2.53 | 2.00 | 2.61 | 3.53 |
| P/V | 5.59 | 5.16 | 3.60 | 3.45 | 3.53 | 5.77 | 2.65 | 1.34 | 1.99 | 2.62 |
| Margem Bruta | 86.7% | 89.7% | 87.0% | 84.0% | 80.3% | 87.1% | 57.2% | 37.4% | 30.4% | 52.8% |
| Margem Operacional | 22.3% | 27.8% | 27.7% | 29.3% | 27.0% | 32.6% | 21.8% | 13.0% | 9.9% | 9.3% |
| Margem Líquida | 15.0% | 15.0% | 21.9% | 23.2% | 21.4% | 25.6% | 17.5% | 10.1% | 7.8% | 7.1% |