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Side-by-side financial comparison of COASTAL FINANCIAL CORP (CCB) and H2O AMERICA (HTO). Click either name above to swap in a different company.
H2O AMERICA is the larger business by last-quarter revenue ($199.4M vs $138.0M, roughly 1.4× COASTAL FINANCIAL CORP). On growth, H2O AMERICA posted the faster year-over-year revenue change (1.5% vs -5.8%). Over the past eight quarters, H2O AMERICA's revenue compounded faster (15.3% CAGR vs -3.6%).
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.
H2O Wireless is a United States-based prepaid cell phone service, that utilizes the AT&T network. It is a brand of the mobile virtual network operator (MVNO) Locus Telecommunications, a subsidiary of Telrite Holdings, Inc., since 2019. Locus was formerly a subsidiary of KDDI America corporation, starting in 2010. H2O Wireless is primarily advertised as a non-restrictive phone service for customers to bring or buy unlocked smartphones, although AT&T contract/locked phones may be accepted as well.
CCB vs HTO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $138.0M | $199.4M |
| Net Profit | — | $16.2M |
| Gross Margin | — | — |
| Operating Margin | 12.4% | 16.6% |
| Net Margin | — | 8.1% |
| Revenue YoY | -5.8% | 1.5% |
| Net Profit YoY | — | -29.2% |
| EPS (diluted) | $0.84 | $0.45 |
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 | $138.0M | $199.4M | ||
| Q3 25 | $144.7M | $243.5M | ||
| Q2 25 | $119.4M | $197.8M | ||
| Q1 25 | $139.5M | $164.9M | ||
| Q4 24 | $146.5M | $196.5M | ||
| Q3 24 | $151.1M | $216.7M | ||
| Q2 24 | $135.3M | $173.1M | ||
| Q1 24 | $148.4M | $150.0M |
| Q4 25 | — | $16.2M | ||
| Q3 25 | $13.6M | $45.1M | ||
| Q2 25 | $11.0M | $24.7M | ||
| Q1 25 | $9.7M | $16.6M | ||
| Q4 24 | — | $22.9M | ||
| Q3 24 | $13.5M | $38.7M | ||
| Q2 24 | $11.6M | $20.7M | ||
| Q1 24 | $6.8M | $11.7M |
| Q4 25 | 12.4% | 16.6% | ||
| Q3 25 | 12.4% | 26.5% | ||
| Q2 25 | 12.0% | 22.2% | ||
| Q1 25 | 8.4% | 21.8% | ||
| Q4 24 | 11.7% | 22.2% | ||
| Q3 24 | 10.8% | 26.9% | ||
| Q2 24 | 11.1% | 23.4% | ||
| Q1 24 | 5.9% | 18.6% |
| Q4 25 | — | 8.1% | ||
| Q3 25 | 9.4% | 18.5% | ||
| Q2 25 | 9.2% | 12.5% | ||
| Q1 25 | 7.0% | 10.0% | ||
| Q4 24 | — | 11.7% | ||
| Q3 24 | 8.9% | 17.8% | ||
| Q2 24 | 8.6% | 12.0% | ||
| Q1 24 | 4.6% | 7.8% |
| Q4 25 | $0.84 | $0.45 | ||
| Q3 25 | $0.88 | $1.27 | ||
| Q2 25 | $0.71 | $0.71 | ||
| Q1 25 | $0.63 | $0.49 | ||
| Q4 24 | $0.95 | $0.70 | ||
| Q3 24 | $0.97 | $1.17 | ||
| Q2 24 | $0.84 | $0.64 | ||
| Q1 24 | $0.50 | $0.36 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $20.7M |
| Total DebtLower is stronger | — | $1.9B |
| Stockholders' EquityBook value | $491.0M | $1.5B |
| Total Assets | $4.7B | $5.1B |
| Debt / EquityLower = less leverage | — | 1.23× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $20.7M | ||
| Q3 25 | — | $11.3M | ||
| Q2 25 | — | $19.8M | ||
| Q1 25 | — | $23.7M | ||
| Q4 24 | — | $11.1M | ||
| Q3 24 | — | $4.0M | ||
| Q2 24 | — | $22.8M | ||
| Q1 24 | — | $4.5M |
| Q4 25 | — | $1.9B | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $1.7B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $491.0M | $1.5B | ||
| Q3 25 | $475.3M | $1.5B | ||
| Q2 25 | $461.7M | $1.5B | ||
| Q1 25 | $449.9M | $1.4B | ||
| Q4 24 | $438.7M | $1.4B | ||
| Q3 24 | $331.9M | $1.3B | ||
| Q2 24 | $316.7M | $1.3B | ||
| Q1 24 | $303.7M | $1.2B |
| Q4 25 | $4.7B | $5.1B | ||
| Q3 25 | $4.6B | $5.0B | ||
| Q2 25 | $4.5B | $4.8B | ||
| Q1 25 | $4.3B | $4.7B | ||
| Q4 24 | $4.1B | $4.7B | ||
| Q3 24 | $4.1B | $4.6B | ||
| Q2 24 | $4.0B | $4.4B | ||
| Q1 24 | $3.9B | $4.4B |
| Q4 25 | — | 1.23× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 1.26× | ||
| 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 | $254.6M | $63.5M |
| Free Cash FlowOCF − Capex | $246.1M | — |
| FCF MarginFCF / Revenue | 178.3% | — |
| Capex IntensityCapex / Revenue | 6.1% | — |
| Cash ConversionOCF / Net Profit | — | 3.92× |
| TTM Free Cash FlowTrailing 4 quarters | $436.4M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $254.6M | $63.5M | ||
| Q3 25 | $59.0M | $77.3M | ||
| Q2 25 | $66.0M | $60.8M | ||
| Q1 25 | $71.7M | $43.2M | ||
| Q4 24 | $259.8M | $41.5M | ||
| Q3 24 | $62.6M | $53.5M | ||
| Q2 24 | $72.1M | $49.3M | ||
| Q1 24 | $56.8M | $51.2M |
| Q4 25 | $246.1M | — | ||
| Q3 25 | $57.4M | — | ||
| Q2 25 | $64.0M | — | ||
| Q1 25 | $68.9M | — | ||
| Q4 24 | $249.9M | — | ||
| Q3 24 | $60.2M | — | ||
| Q2 24 | $69.5M | — | ||
| Q1 24 | $55.0M | — |
| Q4 25 | 178.3% | — | ||
| Q3 25 | 39.7% | — | ||
| Q2 25 | 53.6% | — | ||
| Q1 25 | 49.4% | — | ||
| Q4 24 | 170.6% | — | ||
| Q3 24 | 39.8% | — | ||
| Q2 24 | 51.3% | — | ||
| Q1 24 | 37.1% | — |
| Q4 25 | 6.1% | — | ||
| Q3 25 | 1.2% | — | ||
| Q2 25 | 1.7% | — | ||
| Q1 25 | 2.0% | — | ||
| Q4 24 | 6.8% | — | ||
| Q3 24 | 1.6% | — | ||
| Q2 24 | 1.9% | — | ||
| Q1 24 | 1.2% | — |
| Q4 25 | — | 3.92× | ||
| Q3 25 | 4.34× | 1.71× | ||
| Q2 25 | 5.99× | 2.47× | ||
| Q1 25 | 7.37× | 2.61× | ||
| Q4 24 | — | 1.81× | ||
| Q3 24 | 4.65× | 1.39× | ||
| Q2 24 | 6.22× | 2.38× | ||
| Q1 24 | 8.35× | 4.38× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
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% |
HTO
| Water Utility Services | $191.0M | 96% |
| Other | $8.4M | 4% |
