CCB

Coastal Financial Corporation

48
Fundamentals44/ 100
Valuation50/ 100
Upside potential62/ 100
Risk potential38/ 100

CCB lost money over the past year, so it has no meaningful PE right now. Analysts expect earnings to recover and profitability to improve.

IREN

IREN Limited

There isn't enough reported data to score IREN yet.

CCB Fundamentals

MetricStatus
Healthy
Under pressure
N/A
N/A

CCB's revenue is currently healthy, but its profitability is under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like CCB.

IREN Fundamentals

MetricStatus
Under pressure
Weak
N/A
N/A

IREN's revenue and profitability are currently under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like IREN.

CCB PE Valuation

CCB has no meaningful PE right now: it lost money over the past year.

IREN PE Valuation

IREN has no meaningful PE right now: it lost money over the past year.

CCB Forward outlook

MetricOutlook
--
Growth
Growth
Improving
Limited
Moderate

CCB has the edge over IREN on the outlook, with more favorable earnings expectations.

IREN Forward outlook

MetricOutlook
--
Losses growing
Strong growth
Strongly improving
Limited
Low

Analysts expect IREN's losses to grow, with revenue growing. However, they disagree widely on these estimates.

CCB Risk to reward

ScenarioChangePrice
Upside+61%$69.79
Downside-38%$26.90

Calculated from the latest close: $43.24 on Nov 12.

There is not enough scenario data to compare CCB and IREN's risk to reward.

IREN Risk to reward

ScenarioChangePrice
UpsideUnknownโ€”
DownsideUnknownโ€”

Calculated from the latest close: $19.48 on Nov 12.

There is not enough scenario data to compare CCB and IREN's risk to reward.

CCB Earnings Per Share

Q4 2023: $3.27Q1 2024: $2.86Q2 2024: $2.75Q3 2024: $2.97Q4 2024: $3.26Q1 2025: $3.39Q2 2025: $3.26Q3 2025: $3.17Q4 2025: $3.06Q1 2026: $3.21Q2 2026: $-0.26Q3 2026: $-0.25Forward: $4.69
Q4 2023: $3.27Q1 2024: $2.86Q2 2024: $2.75Q3 2024: $2.97Q4 2024: $3.26Q1 2025: $3.39Q2 2025: $3.26Q3 2025: $3.17Q4 2025: $3.06Q1 2026: $3.21Q2 2026: $-0.26Q3 2026: $-0.25Forward: $4.69
QuarterTTM EPSYoY
Forward$4.69โ€”
Q3 2026-$0.25-108%
Q2 2026-$0.26-108%
Q1 2026$3.21-5.3%
Q4 2025$3.06-6.1%
Q3 2025$3.17+6.7%
Q2 2025$3.26+19%
Q1 2025$3.39+19%
Q4 2024$3.26-0.3%

CCB has swung to a loss: it lost $0.25 per share over the past year, after a profit the year before.

IREN Earnings Per Share

Q4 2023: $-0.29Q1 2024: $-0.16Q2 2024: $-0.20Q3 2024: $-0.39Q4 2024: $-0.44Q1 2025: $-0.59Q2 2025: $0.25Q3 2025: $1.60Q4 2025: $1.18Q1 2026: $0.51Q2 2026: $-2.22Q3 2026: $-3.96
Q4 2023: $-0.29Q1 2024: $-0.16Q2 2024: $-0.20Q3 2024: $-0.39Q4 2024: $-0.44Q1 2025: $-0.59Q2 2025: $0.25Q3 2025: $1.60Q4 2025: $1.18Q1 2026: $0.51Q2 2026: $-2.22Q3 2026: $-3.96
QuarterTTM EPSYoY
Q3 2026-$3.96-347%
Q2 2026-$2.22-988%
Q1 2026$0.51+$1.10
Q4 2025$1.18+$1.62
Q3 2025$1.60+$1.99
Q2 2025$0.25+$0.45
Q1 2025-$0.59-$0.43
Q4 2024-$0.44-$0.15

IREN has the edge over CCB on earnings, with more consistent year-over-year improvement.

CCB Quarterly Revenue

Q4 2023: $124MQ1 2024: $148MQ2 2024: $136MQ3 2024: $152MQ4 2024: $146MQ1 2025: $140MQ2 2025: $119MQ3 2025: $145MQ4 2025: $138MQ1 2026: $149MQ2 2026: $178MQ3 2026: $149M
Q4 2023: $124MQ1 2024: $148MQ2 2024: $136MQ3 2024: $152MQ4 2024: $146MQ1 2025: $140MQ2 2025: $119MQ3 2025: $145MQ4 2025: $138MQ1 2026: $149MQ2 2026: $178MQ3 2026: $149M
QuarterRevenueYoY
Q3 2026$149.3M+3.2%
Q2 2026$178.1M+49%
Q1 2026$149.4M+7.1%
Q4 2025$138M-5.8%
Q3 2025$144.7M-5%
Q2 2025$119.4M-12%
Q1 2025$139.5M-5.6%
Q4 2024$146.5M+18%

CCB's revenue is growing: $149M last quarter, up 3.2% from the same quarter a year ago.

IREN Quarterly Revenue

Q4 2023: $42MQ1 2024: $54MQ2 2024: $57MQ3 2024: $53MQ4 2024: $116MQ1 2025: $145MQ2 2025: $187MQ3 2025: $240MQ4 2025: $185MQ1 2026: $145MQ2 2026: $137MQ3 2026: $228M
Q4 2023: $42MQ1 2024: $54MQ2 2024: $57MQ3 2024: $53MQ4 2024: $116MQ1 2025: $145MQ2 2025: $187MQ3 2025: $240MQ4 2025: $185MQ1 2026: $145MQ2 2026: $137MQ3 2026: $228M
QuarterRevenueYoY
Q3 2026$228M-5.1%
Q2 2026$137.2M-27%
Q1 2026$144.8M0%
Q4 2025$184.7M+59%
Q3 2025$240.3M+355%
Q2 2025$187.3M+230%
Q1 2025$144.8M+168%
Q4 2024$116.1M+176%

IREN has the edge over CCB on sales, with more consistent year-over-year improvement.

CCB Free Cash Flow

Q4 2023: $48MQ1 2024: $60MQ2 2024: $70MQ3 2024: $61MQ4 2024: $65MQ1 2025: $69MQ2 2025: $64MQ3 2025: $57MQ4 2025: $56MQ1 2026: $74MQ2 2026: $75MQ3 2026: $40M
Q4 2023: $48MQ1 2024: $60MQ2 2024: $70MQ3 2024: $61MQ4 2024: $65MQ1 2025: $69MQ2 2025: $64MQ3 2025: $57MQ4 2025: $56MQ1 2026: $74MQ2 2026: $75MQ3 2026: $40M
QuarterFree cash flowYoY
Q3 2026$39.6M-31%
Q2 2026$74.6M+17%
Q1 2026$74.1M+7.6%
Q4 2025$55.9M-14%
Q3 2025$57.4M-5.8%
Q2 2025$64M-8.5%
Q1 2025$68.9M+15%
Q4 2024$65.3M+36%

CCB has the edge over IREN on cash generation, producing positive trailing cash flow while its opponent burns cash.

IREN Free Cash Flow

Q4 2023: โˆ’$29MQ1 2024: โˆ’$222MQ2 2024: โˆ’$163MQ3 2024: โˆ’$387MQ4 2024: โˆ’$134MQ1 2025: โˆ’$351MQ2 2025: $16MQ3 2025: โˆ’$38MQ4 2025: โˆ’$468MQ1 2026: โˆ’$874MQ2 2026: $482MQ3 2026: โˆ’$1.6B
Q4 2023: โˆ’$29MQ1 2024: โˆ’$222MQ2 2024: โˆ’$163MQ3 2024: โˆ’$387MQ4 2024: โˆ’$134MQ1 2025: โˆ’$351MQ2 2025: $16MQ3 2025: โˆ’$38MQ4 2025: โˆ’$468MQ1 2026: โˆ’$874MQ2 2026: $482MQ3 2026: โˆ’$1.6B
QuarterFree cash flowYoY
Q3 2026-$1.6B-$1.6B
Q2 2026$482.2M+2895%
Q1 2026-$873.8M-$523.1M
Q4 2025-$468M-$334M
Q3 2025-$38M+$349.4M
Q2 2025$16.1M+$179M
Q1 2025-$350.7M-$128.7M
Q4 2024-$134M-$105.2M

IREN's free cash flow was โˆ’$2.5B over the past year, against โˆ’$507M the year before. Free cash flow isn't a meaningful measure for financial services companies like IREN.

CCB Total Shares

Q4 2023: 14MQ1 2024: 14MQ2 2024: 14MQ3 2024: 14MQ4 2024: 14MQ1 2025: 15MQ2 2025: 15MQ3 2025: 15MQ4 2025: 15MQ1 2026: 15MQ2 2026: 15MQ3 2026: 15M
Q4 2023: 14MQ1 2024: 14MQ2 2024: 14MQ3 2024: 14MQ4 2024: 14MQ1 2025: 15MQ2 2025: 15MQ3 2025: 15MQ4 2025: 15MQ1 2026: 15MQ2 2026: 15MQ3 2026: 15M
PeriodChange %Net change
Quarterly+1.1%+174K shares
1 year-0.2%-26.8K shares
3 years+13%+1.7M shares
5 years+24%+3M shares
Available history+26%+3.2M shares

CCB has the edge over IREN on shareholder dilution, with a more favorable share count trend.

IREN Total Shares

Q4 2023: 73MQ1 2024: 112MQ2 2024: 186MQ3 2024: 189MQ4 2024: 210MQ1 2025: 219MQ2 2025: 257MQ3 2025: 362MQ4 2025: 298MQ1 2026: 334MQ2 2026: 316MQ3 2026: 399M
Q4 2023: 73MQ1 2024: 112MQ2 2024: 186MQ3 2024: 189MQ4 2024: 210MQ1 2025: 219MQ2 2025: 257MQ3 2025: 362MQ4 2025: 298MQ1 2026: 334MQ2 2026: 316MQ3 2026: 399M
PeriodChange %Net change
Quarterly+26%+82.4M shares
1 year+10%+36.9M shares
3 years+511%+333M shares
5 years+624%+344M shares
Available history+2346%+382M shares

IREN has 399M diluted shares, up 10% from a year ago.

CCB Net Leverage

Q4 2023: 1.0xQ1 2024: 1.1xQ2 2024: 0.6xQ3 2024: 0.8xQ4 2024: 0.9xQ1 2025: 0.7xQ2 2025: 1.0xQ3 2025: 0.9xQ4 2025: 0.9xQ1 2026: 0.6xQ2 2026: 7.6xQ3 2026: 7.8x
Q4 2023: 1.0xQ1 2024: 1.1xQ2 2024: 0.6xQ3 2024: 0.8xQ4 2024: 0.9xQ1 2025: 0.7xQ2 2025: 1.0xQ3 2025: 0.9xQ4 2025: 0.9xQ1 2026: 0.6xQ2 2026: 7.6xQ3 2026: 7.8x
QuarterNet LeverageStatus
Q3 20267.8xHigh
Q2 20267.6xHigh
Q1 20260.6xVery low
Q4 20250.9xVery low
Q3 20250.9xVery low
Q2 20251.0xVery low
Q1 20250.7xVery low
Q4 20240.9xVery low

CCB's net debt is about 7.8 years of its operating earnings (EBITDA), up from less than a year a year ago. Net leverage isn't a meaningful measure for financial services companies like CCB.

IREN Net Leverage

Q4 2023: -11.0xQ1 2024: -10.6xQ2 2024: -15.9xQ3 2024: -16.7xQ4 2024: -4.6xQ1 2025: 3.3xQ2 2025: 2.0xQ3 2025: 4.1xQ4 2025: 22.2xQ1 2026: 157.6x
Q4 2023: -11.0xQ1 2024: -10.6xQ2 2024: -15.9xQ3 2024: -16.7xQ4 2024: -4.6xQ1 2025: 3.3xQ2 2025: 2.0xQ3 2025: 4.1xQ4 2025: 22.2xQ1 2026: 157.6x
QuarterNet LeverageStatus
Q1 2026157.6xHigh
Q4 202522.2xHigh
Q3 20254.1xHigh
Q2 20252.0xModerate
Q1 20253.3xElevated
Q4 2024-4.6xNet Cash
Q3 2024-16.7xNet Cash
Q2 2024-15.9xNet Cash

IREN's net debt is more than 20 years of its operating earnings (EBITDA), up from 3.3 years a year ago. Net leverage isn't a meaningful measure for financial services companies like IREN.

CCB Weekly Momentum

MetricValueStatus
RSI35.3Neutral
Stochastic35.0Neutral

CCB's weekly RSI is 35 (neutral) and its Stochastic is 35 (neutral).

IREN Weekly Momentum

MetricValueStatus
RSI33.3Neutral
Stochastic8.2Oversold

IREN's weekly RSI is 33 (neutral) and its Stochastic is 8 (oversold).

CCB PE vs Financial Services Sector

MetricCCBSector medianRelative
PEN/A13xโ€”

CCB has no meaningful PE right now: it lost money over the past year.

IREN PE vs Financial Services Sector

MetricIRENSector medianRelative
PEN/A13xโ€”

IREN has no meaningful PE right now: it lost money over the past year.

CCB Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$42.81.1% above
20 week MA$51.416% below
50 week MA$73.041% below
100 week MA$84.048% below
200 week MA$64.533% below

CCB has bounced recently, but its long-term trend is still down: it's above its 8-week average, but 33% below its 200-week average.

IREN Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$29.835% below
20 week MA$36.246% below
50 week MA$42.854% below
100 week MA$32.039% below
200 week MA$19.12.1% above

IREN has fallen below most of its moving averages, though it's still 2.1% above its 200-week average.

CCB Yearly ROI

YearStart priceEnd priceROI
2020$16.7$21.4+28%
2021$21.4$52.0+144%
2022$52.0$47.6-8.5%
2023$47.6$44.4-6.7%
2024$44.4$83.7+89%
2025$83.7$116.9+40%
2026 YTD$116.9$43.2-63%

CCB is down 63% so far in 2026, after finishing higher in four of the previous six years.

IREN Yearly ROI

YearStart priceEnd priceROI
2021$24.8$17.2-31%
2022$17.2$1.19-93%
2023$1.19$7.15+501%
2024$7.15$10.7+50%
2025$10.7$40.3+276%
2026 YTD$40.3$19.5-52%

IREN has the edge over CCB on returns for 2026, with the stronger performance.

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