Coastal Financial Corporation

DB:1VD Stock Report

Market Cap: €979.8m

Coastal Financial Valuation

Is 1VD undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 1VD when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: 1VD (€73) is trading below our estimate of fair value (€164.85)

Significantly Below Fair Value: 1VD is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 1VD?

Key metric: As 1VD is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 1VD. This is calculated by dividing 1VD's market cap by their current earnings.
What is 1VD's PE Ratio?
PE Ratio25.4x
EarningsUS$40.86m
Market CapUS$1.04b

Price to Earnings Ratio vs Peers

How does 1VD's PE Ratio compare to its peers?

The above table shows the PE ratio for 1VD vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average16.9x
PCZ ProCredit Holding
4.4x10.7%€462.9m
BFC Bank First
13x-2.5%US$1.1b
MBK Merkur PrivatBank KgaA
10.2x8.6%€109.7m
CFG CFG Bank
40xn/aد.م8.4b
1VD Coastal Financial
25.4x46.1%€1.0b

Price-To-Earnings vs Peers: 1VD is expensive based on its Price-To-Earnings Ratio (25.4x) compared to the peer average (16.9x).

Price to Earnings Ratio vs Industry

How does 1VD's PE Ratio compare vs other companies in the European Banks Industry?

2 CompaniesPrice / EarningsEstimated GrowthMarket Cap
1VD 25.4xIndustry Avg. 7.3xNo. of Companies45PE0612182430+
2 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 1VD is expensive based on its Price-To-Earnings Ratio (25.4x) compared to the European Banks industry average (7.3x).

Price to Earnings Ratio vs Fair Ratio

What is 1VD's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

1VD PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio25.4x
Fair PE Ratio17.3x

Price-To-Earnings vs Fair Ratio: 1VD is expensive based on its Price-To-Earnings Ratio (25.4x) compared to the estimated Fair Price-To-Earnings Ratio (17.3x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 1VD forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current€73.00
€72.00
-1.4%
6.0%€79.31€68.93n/a4
Nov ’25€58.00
€68.27
+17.7%
1.7%€69.87€67.12n/a4
Oct ’25€47.80
€58.27
+21.9%
6.4%€63.24€54.20n/a4
Sep ’25€47.20
€57.35
+21.5%
4.7%€61.98€55.50n/a4
Aug ’25€48.00
€57.35
+19.5%
4.7%€61.98€55.50n/a4
Jul ’25€42.20
€50.63
+20.0%
6.7%€55.73€46.45n/a4
Jun ’25€39.80
€50.63
+27.2%
6.7%€55.73€46.45n/a4
May ’25€35.80
€51.56
+44.0%
7.0%€56.12€46.77n/a4
Apr ’25€35.00
€50.62
+44.6%
9.1%€55.85€43.75n/a4
Mar ’25€35.00
€50.62
+44.6%
9.1%€55.85€43.75n/a4
Feb ’25€36.20
€51.41
+42.0%
5.4%€55.20€48.76n/a4
Jan ’25€40.00
€52.52
+31.3%
5.2%€56.78€50.15n/a4
Dec ’24€35.20
€52.52
+49.2%
5.2%€56.78€50.15n/a4
Nov ’24€34.60
€52.52
+51.8%
5.2%€56.78€50.15€58.004
Oct ’24€40.00
€53.46
+33.7%
6.4%€57.82€48.64€47.804
Sep ’24€39.80
€53.46
+34.3%
6.4%€57.82€48.64€47.204
Aug ’24€40.40
€52.86
+30.8%
6.1%€56.84€48.20€48.004
Jul ’24€34.80
€53.32
+53.2%
8.1%€60.16€48.31€42.204
Jun ’24€31.60
€53.32
+68.7%
8.1%€60.16€48.31€39.804
May ’24€31.60
€53.32
+68.7%
8.1%€60.16€48.31€35.804
Apr ’24€32.20
€56.58
+75.7%
10.2%€64.53€49.78€35.004
Mar ’24€42.60
€56.58
+32.8%
10.2%€64.53€49.78€35.004
Feb ’24€41.20
€56.58
+37.3%
10.2%€64.53€49.78€36.204
Jan ’24€44.20
€62.50
+41.4%
10.5%€70.85€54.66€40.004
Dec ’23€47.20
€62.50
+32.4%
10.5%€70.85€54.66€35.204
Nov ’23€46.00
€62.50
+35.9%
10.5%€70.85€54.66€34.604

Analyst Forecast: Target price is lower than the current share price.

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