CCB
Coastal Financial Corporation
CCB offers stronger valuation, but that advantage does not outweigh its weaker overall profile.
MS
Morgan Stanley
MS has the edge over CCB overall, supported by stronger fundamentals and lower modeled downside.
CCB Fundamentals
| Metric | Status |
|---|---|
| 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.
MS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
MS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like MS.
CCB PE Valuation
CCB has no meaningful PE right now: it lost money over the past year.
MS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $134 | -29% |
| Fair | 14x | $178 | -5.7% |
| Forward | 14x | $189 | — |
| Current | 15x | $189 | — |
| Expensive | 18x | $223 | +18% |
Historical ranges are pointers, not guarantees.
MS's PE is in its fair range at 15x. If earnings grow as analysts expect, today's price would be 14x next year's earnings.
CCB Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for CCB, with profitability improving.
MS Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for MS, with profitability improving.
CCB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.69 | — |
| 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.
MS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.39 | +6.3% |
| Q3 2026 | $12.60 | +29% |
| Q2 2026 | $12.37 | +40% |
| Q1 2026 | $11.04 | +29% |
| Q4 2025 | $10.21 | +28% |
| Q3 2025 | $9.76 | +48% |
| Q2 2025 | $8.84 | +45% |
| Q1 2025 | $8.53 | +55% |
| Q4 2024 | $7.95 | +53% |
MS has the edge over CCB on earnings quality, reporting a profit while its opponent remains loss making.
CCB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| 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.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 12% | 0 points |
| Q2 2026 | -31% | -43 points |
| Q1 2026 | 9.8% | +1.3 points |
| Q4 2025 | 12% | +0.7 points |
| Q3 2025 | 12% | +1.6 points |
| Q2 2025 | 12% | +1 points |
| Q1 2025 | 8.4% | +2.5 points |
| Q4 2024 | 12% | +2.2 points |
CCB's operating margin was 12% last quarter, about level with the same quarter a year ago.
MS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $20.3B | +12% |
| Q2 2026 | $21.3B | +27% |
| Q1 2026 | $20.6B | +16% |
| Q4 2025 | $17.9B | +10% |
| Q3 2025 | $18.2B | +18% |
| Q2 2025 | $16.8B | +12% |
| Q1 2025 | $17.7B | +17% |
| Q4 2024 | $16.2B | +26% |
MS has the edge over CCB on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 32% | -1.2 points |
| Q2 2026 | 34% | +6.9 points |
| Q1 2026 | 34% | +2.8 points |
| Q4 2025 | 32% | +2 points |
| Q3 2025 | 33% | +5.6 points |
| Q2 2025 | 28% | +0.4 points |
| Q1 2025 | 31% | +2.2 points |
| Q4 2024 | 30% | +14 points |
MS has the edge over CCB on profitability, with a higher operating margin.
CCB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| 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 MS on cash generation, producing positive trailing cash flow while its opponent burns cash.
MS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$46B | -$42.7B |
| Q2 2026 | -$2.7B | -123% |
| Q1 2026 | -$7.1B | +$16.9B |
| Q4 2025 | -$2.4B | -120% |
| Q3 2025 | -$3.3B | +$14B |
| Q2 2025 | $11.8B | +368% |
| Q1 2025 | -$24B | -650% |
| Q4 2024 | $11.8B | +$29.6B |
MS's free cash flow was −$58.3B over the past year, against −$3.7B the year before. Free cash flow isn't a meaningful measure for financial services companies like MS.
CCB Total Shares
| Period | Change % | 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 15M diluted shares, about the same as a year ago.
MS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -3M shares |
| 1 year | -1.5% | -24M shares |
| 3 years | -4.7% | -77M shares |
| 5 years | -14% | -246M shares |
| Available history | -4.5% | -74M shares |
MS has the edge over CCB on shareholder dilution, with a more favorable share count trend.
CCB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 7.8x | High |
| Q2 2026 | 7.6x | High |
| Q1 2026 | 0.6x | Very low |
| Q4 2025 | 0.9x | Very low |
| Q3 2025 | 0.9x | Very low |
| Q2 2025 | 1.0x | Very low |
| Q1 2025 | 0.7x | Very low |
| Q4 2024 | 0.9x | Very 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.
MS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 7.8x | High |
| Q2 2026 | 7.3x | High |
| Q1 2026 | 8.2x | High |
| Q4 2025 | 8.6x | High |
| Q3 2025 | 8.4x | High |
| Q2 2025 | 8.7x | High |
| Q1 2025 | 8.7x | High |
| Q4 2024 | 7.9x | High |
MS's net debt is about 7.8 years of its operating earnings (EBITDA), down from 8.4 years a year ago. Net leverage isn't a meaningful measure for financial services companies like MS.
CCB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 35.3 | Neutral |
| Stochastic | 35.0 | Neutral |
CCB's weekly RSI is 35 (neutral) and its Stochastic is 35 (neutral).
MS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 45.0 | Neutral |
| Stochastic | 18.7 | Oversold |
MS's weekly RSI is 45 (neutral) and its Stochastic is 19 (oversold).
CCB PE vs Financial Services Sector
| Metric | CCB | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
CCB has no meaningful PE right now: it lost money over the past year.
MS PE vs Financial Services Sector
| Metric | MS | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 15% above |
| PE % | 59 | 63 | 4 pts below |
MS is trading at 15x earnings, a 15% premium to the Financial Services sector's median of 13x.
CCB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $42.8 | 1.1% above |
| 20 week MA | $51.4 | 16% below |
| 50 week MA | $73.0 | 41% below |
| 100 week MA | $84.0 | 48% below |
| 200 week MA | $64.5 | 33% 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.
MS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $186.5 | 1.5% above |
| 20 week MA | $203.3 | 6.9% below |
| 50 week MA | $191.9 | 1.4% below |
| 100 week MA | $164.9 | 15% above |
| 200 week MA | $129.3 | 46% above |
MS has the edge over CCB on trend strength, trading above more of its moving averages.
CCB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 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.
MS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $51.1 | $68.1 | +33% |
| 2021 | $68.1 | $99.3 | +46% |
| 2022 | $99.3 | $86.1 | -13% |
| 2023 | $86.1 | $93.3 | +8.3% |
| 2024 | $93.3 | $126.8 | +36% |
| 2025 | $126.8 | $181.9 | +43% |
| 2026 YTD | $181.9 | $189.2 | +4% |
MS has the edge over CCB on returns for 2026, with the stronger performance.