COMP <GO>

CCB vs BAC // GROSS PROFIT MARGIN

Coastal Financial Corporation (NASDAQ) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: CCB 2 — BAC 3

■ METRIC PARITY

LAST: $43.66 (-7.36%) • MKT CAP: $667.4M

gross-margins

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LAST: $51.14 (+0.57%) • MKT CAP: $357.61B

gross-margins

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15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CCB VS. BAC) EMERALD CELL = QUANTITATIVE EDGE

INSTITUTIONAL METRIC	CCB	BAC	SPREAD (A - B)	ADVANTAGE	DEDICATED URL
Gross Profit Margin ACTIVE	—	—	—	TIE	/gross-margins <GO>
Return on Invested Capital (ROIC)	9.60%	2.50%	+7.10	CCB	/roic <GO>
EV/EBITDA & P/E Valuation	—	30.2x	—	TIE	/valuation <GO>
Free Cash Flow Yield	—	2.10%	—	TIE	/fcf-yield <GO>
Operating Margin	—	32.90%	—	TIE	/operating-margins <GO>
Net Profit Margin	—	27.00%	—	TIE	/net-margins <GO>
Revenue Growth (YoY)	—	6.80%	—	TIE	/revenue-growth <GO>
Dividend Yield & FCF Payout Safety	0.00%	0.00%	0.00	TIE	/dividend-safety <GO>
Altman Z-Score & Debt/Equity	—	—	—	TIE	/balance-sheet <GO>
Piotroski F-Score Quality	5/9	7/9	-2.00	BAC	/piotroski-score <GO>
Options Implied Move & Put/Call Skew	—	—	—	TIE	/options-implied-move <GO>
RSI-14 & 200D SMA Momentum	47.7	38.3	+9.38	CCB	/rsi-technicals <GO>
10Y Yield & FRED Macro Beta	—	0.90	—	TIE	/macro-sensitivity <GO>
Forward P/E Multiple	13.2x	10.9x	+2.30	BAC	/forward-pe <GO>
Enterprise Scale & Market Cap	$667.4M	$357.61B	-$356.94B	BAC	/market-cap <GO>

5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY

FISCAL YEAR	CCB REV	BAC REV	CCB GROSS %	BAC GROSS %	CCB FCF	BAC FCF
FY 2025	$0	$113.10B	—	—	$246.1M	$7.52B
FY 2024	$0	$105.86B	—	—	$249.9M	-$13.57B
FY 2023	$0	$102.77B	—	—	$191.5M	$40.36B

FRED MACRO REGIME CORRELATION COMPARISON PEARSON r

CCB // BETA —

BAC // BETA 0.90