Coastal Financial Corp (CCB)vsU.S. Bancorp (USB)
CCB
Coastal Financial Corp
$69.66
-0.87%
FINANCIAL SERVICES · Cap: $1.08B
USB
U.S. Bancorp
$54.83
+0.73%
FINANCIAL SERVICES · Cap: $81.87B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 7234% more annual revenue ($26.65B vs $363.32M). USB leads profitability with a 29.3% profit margin vs 13.6%. USB trades at a lower P/E of 11.1x. USB earns a higher WallStSmart Score of 71/100 (B).
CCB
Buy57
out of 100
Grade: C
USB
Strong Buy71
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Conservative balance sheet, low leverage
Reasonable price relative to book value
17.0% revenue growth
Earnings expanding 23.8% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 37.8%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Generating 1.3B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Expensive relative to growth rate
4.6% revenue growth
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CCB
The strongest argument for CCB centers on Debt/Equity, Price/Book, Revenue Growth. Revenue growth of 17.0% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.3% and operating margin at 37.8%.
Bear Case : CCB
The primary concerns for CCB are Market Cap, Piotroski F-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Debt/Equity.
Key Dynamics to Monitor
CCB profiles as a growth stock while USB is a value play — different risk/reward profiles.
USB carries more volatility with a beta of 1.02 — expect wider price swings.
CCB is growing revenue faster at 17.0% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
USB scores higher overall (71/100 vs 57/100), backed by strong 29.3% margins. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Coastal Financial Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Coastal Financial Corporation is the banking holding company for Coastal Community Bank offering various banking products and services to small and medium-sized businesses, professionals and individuals in the Puget Sound region of Washington. The company is headquartered in Everett, Washington.
Visit Website →U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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