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Side-by-side financial comparison of AMERICAN STATES WATER CO (AWR) and COASTAL FINANCIAL CORP (CCB). Click either name above to swap in a different company.
AMERICAN STATES WATER CO is the larger business by last-quarter revenue ($164.3M vs $138.0M, roughly 1.2× COASTAL FINANCIAL CORP). On growth, AMERICAN STATES WATER CO posted the faster year-over-year revenue change (14.8% vs -5.8%). COASTAL FINANCIAL CORP produced more free cash flow last quarter ($246.1M vs $-36.0M). Over the past eight quarters, AMERICAN STATES WATER CO's revenue compounded faster (10.2% CAGR vs -3.6%).
American Water is an American public utility company that, through its subsidiaries, provides water and wastewater services in the United States.
Fidelity National Financial, Inc., is an American provider of title insurance and settlement services to the real estate and mortgage industries. A Fortune 500 company, Fidelity National Financial generated approximately $8.469 billion in annual revenue in 2019 from its title and real estate-related operations. The company was the first instance of an attorney licensed by a Native American Tribe being certified as "authorized house counsel" in the state of Florida.
AWR vs CCB — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $164.3M | $138.0M |
| Net Profit | $28.7M | — |
| Gross Margin | 88.9% | — |
| Operating Margin | 27.4% | 12.4% |
| Net Margin | 17.5% | — |
| Revenue YoY | 14.8% | -5.8% |
| Net Profit YoY | 1.1% | — |
| EPS (diluted) | $0.74 | $0.84 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $164.3M | $138.0M | ||
| Q3 25 | $182.7M | $144.7M | ||
| Q2 25 | $163.1M | $119.4M | ||
| Q1 25 | $148.0M | $139.5M | ||
| Q4 24 | $143.1M | $146.5M | ||
| Q3 24 | $161.8M | $151.1M | ||
| Q2 24 | $155.3M | $135.3M | ||
| Q1 24 | $135.3M | $148.4M |
| Q4 25 | $28.7M | — | ||
| Q3 25 | $41.2M | $13.6M | ||
| Q2 25 | $33.7M | $11.0M | ||
| Q1 25 | $26.8M | $9.7M | ||
| Q4 24 | $28.4M | — | ||
| Q3 24 | $35.8M | $13.5M | ||
| Q2 24 | $31.9M | $11.6M | ||
| Q1 24 | $23.1M | $6.8M |
| Q4 25 | 88.9% | — | ||
| Q3 25 | 91.0% | — | ||
| Q2 25 | 92.1% | — | ||
| Q1 25 | 91.3% | — | ||
| Q4 24 | 92.4% | — | ||
| Q3 24 | 92.7% | — | ||
| Q2 24 | 89.6% | — | ||
| Q1 24 | 88.4% | — |
| Q4 25 | 27.4% | 12.4% | ||
| Q3 25 | 33.8% | 12.4% | ||
| Q2 25 | 31.3% | 12.0% | ||
| Q1 25 | 30.8% | 8.4% | ||
| Q4 24 | 27.0% | 11.7% | ||
| Q3 24 | 34.0% | 10.8% | ||
| Q2 24 | 33.3% | 11.1% | ||
| Q1 24 | 28.8% | 5.9% |
| Q4 25 | 17.5% | — | ||
| Q3 25 | 22.5% | 9.4% | ||
| Q2 25 | 20.7% | 9.2% | ||
| Q1 25 | 18.1% | 7.0% | ||
| Q4 24 | 19.9% | — | ||
| Q3 24 | 22.1% | 8.9% | ||
| Q2 24 | 20.5% | 8.6% | ||
| Q1 24 | 17.1% | 4.6% |
| Q4 25 | $0.74 | $0.84 | ||
| Q3 25 | $1.06 | $0.88 | ||
| Q2 25 | $0.87 | $0.71 | ||
| Q1 25 | $0.70 | $0.63 | ||
| Q4 24 | $0.75 | $0.95 | ||
| Q3 24 | $0.95 | $0.97 | ||
| Q2 24 | $0.85 | $0.84 | ||
| Q1 24 | $0.62 | $0.50 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $18.8M | — |
| Total DebtLower is stronger | $782.7M | — |
| Stockholders' EquityBook value | $1.0B | $491.0M |
| Total Assets | $2.7B | $4.7B |
| Debt / EquityLower = less leverage | 0.75× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $18.8M | — | ||
| Q3 25 | $26.1M | — | ||
| Q2 25 | $20.2M | — | ||
| Q1 25 | $21.2M | — | ||
| Q4 24 | $26.7M | — | ||
| Q3 24 | $16.5M | — | ||
| Q2 24 | $3.6M | — | ||
| Q1 24 | $17.0M | — |
| Q4 25 | $782.7M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $640.4M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $1.0B | $491.0M | ||
| Q3 25 | $1.0B | $475.3M | ||
| Q2 25 | $972.5M | $461.7M | ||
| Q1 25 | $956.4M | $449.9M | ||
| Q4 24 | $920.1M | $438.7M | ||
| Q3 24 | $879.5M | $331.9M | ||
| Q2 24 | $833.5M | $316.7M | ||
| Q1 24 | $800.5M | $303.7M |
| Q4 25 | $2.7B | $4.7B | ||
| Q3 25 | $2.7B | $4.6B | ||
| Q2 25 | $2.6B | $4.5B | ||
| Q1 25 | $2.5B | $4.3B | ||
| Q4 24 | $2.5B | $4.1B | ||
| Q3 24 | $2.4B | $4.1B | ||
| Q2 24 | $2.3B | $4.0B | ||
| Q1 24 | $2.3B | $3.9B |
| Q4 25 | 0.75× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.70× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $27.7M | $254.6M |
| Free Cash FlowOCF − Capex | $-36.0M | $246.1M |
| FCF MarginFCF / Revenue | -21.9% | 178.3% |
| Capex IntensityCapex / Revenue | 38.8% | 6.1% |
| Cash ConversionOCF / Net Profit | 0.96× | — |
| TTM Free Cash FlowTrailing 4 quarters | $-7.1M | $436.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $27.7M | $254.6M | ||
| Q3 25 | $92.4M | $59.0M | ||
| Q2 25 | $64.6M | $66.0M | ||
| Q1 25 | $45.1M | $71.7M | ||
| Q4 24 | $64.5M | $259.8M | ||
| Q3 24 | $63.7M | $62.6M | ||
| Q2 24 | $24.7M | $72.1M | ||
| Q1 24 | $45.8M | $56.8M |
| Q4 25 | $-36.0M | $246.1M | ||
| Q3 25 | $37.7M | $57.4M | ||
| Q2 25 | $13.7M | $64.0M | ||
| Q1 25 | $-22.5M | $68.9M | ||
| Q4 24 | $6.0M | $249.9M | ||
| Q3 24 | $-478.0K | $60.2M | ||
| Q2 24 | $-37.0M | $69.5M | ||
| Q1 24 | $-1.7M | $55.0M |
| Q4 25 | -21.9% | 178.3% | ||
| Q3 25 | 20.7% | 39.7% | ||
| Q2 25 | 8.4% | 53.6% | ||
| Q1 25 | -15.2% | 49.4% | ||
| Q4 24 | 4.2% | 170.6% | ||
| Q3 24 | -0.3% | 39.8% | ||
| Q2 24 | -23.8% | 51.3% | ||
| Q1 24 | -1.3% | 37.1% |
| Q4 25 | 38.8% | 6.1% | ||
| Q3 25 | 29.9% | 1.2% | ||
| Q2 25 | 31.2% | 1.7% | ||
| Q1 25 | 45.6% | 2.0% | ||
| Q4 24 | 40.9% | 6.8% | ||
| Q3 24 | 39.7% | 1.6% | ||
| Q2 24 | 39.8% | 1.9% | ||
| Q1 24 | 35.2% | 1.2% |
| Q4 25 | 0.96× | — | ||
| Q3 25 | 2.24× | 4.34× | ||
| Q2 25 | 1.92× | 5.99× | ||
| Q1 25 | 1.68× | 7.37× | ||
| Q4 24 | 2.27× | — | ||
| Q3 24 | 1.78× | 4.65× | ||
| Q2 24 | 0.78× | 6.22× | ||
| Q1 24 | 1.98× | 8.35× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
AWR
| Water Service Utility Operations | $110.0M | 67% |
| Public Utilities Inventory Water | $22.3M | 14% |
| Wastewater | $15.9M | 10% |
| Electric Service Utility Operations | $15.2M | 9% |
CCB
| Other | $74.7M | 54% |
| Baa S Credit Enhancements | $47.3M | 34% |
| Baa S Program Income | $8.4M | 6% |
| Transaction Fees | $4.9M | 4% |
| Servicing And Other Baa S Fees | $1.6M | 1% |
| Baa S Fraud Enhancements | $1.1M | 1% |
