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Side-by-side financial comparison of COASTAL FINANCIAL CORP (CCB) and PAMT CORP (PAMT). Click either name above to swap in a different company.
PAMT CORP is the larger business by last-quarter revenue ($141.3M vs $138.0M, roughly 1.0× COASTAL FINANCIAL CORP). On growth, COASTAL FINANCIAL CORP posted the faster year-over-year revenue change (-5.8% vs -15.1%). COASTAL FINANCIAL CORP produced more free cash flow last quarter ($246.1M vs $-25.0M). Over the past eight quarters, COASTAL FINANCIAL CORP's revenue compounded faster (-3.6% CAGR vs -12.0%).
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.
CCB vs PAMT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $138.0M | $141.3M |
| Net Profit | — | $-29.3M |
| Gross Margin | — | — |
| Operating Margin | 12.4% | -27.0% |
| Net Margin | — | -20.7% |
| Revenue YoY | -5.8% | -15.1% |
| Net Profit YoY | — | 7.4% |
| EPS (diluted) | $0.84 | $-1.38 |
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 | $141.3M | ||
| Q3 25 | $144.7M | $150.3M | ||
| Q2 25 | $119.4M | $151.1M | ||
| Q1 25 | $139.5M | $155.3M | ||
| Q4 24 | $146.5M | $166.5M | ||
| Q3 24 | $151.1M | $182.6M | ||
| Q2 24 | $135.3M | $182.9M | ||
| Q1 24 | $148.4M | $182.6M |
| Q4 25 | — | $-29.3M | ||
| Q3 25 | $13.6M | $-5.6M | ||
| Q2 25 | $11.0M | $-9.6M | ||
| Q1 25 | $9.7M | $-8.1M | ||
| Q4 24 | — | $-31.6M | ||
| Q3 24 | $13.5M | $2.4M | ||
| Q2 24 | $11.6M | $-2.9M | ||
| Q1 24 | $6.8M | $281.0K |
| Q4 25 | 12.4% | -27.0% | ||
| Q3 25 | 12.4% | -3.8% | ||
| Q2 25 | 12.0% | -7.3% | ||
| Q1 25 | 8.4% | -5.9% | ||
| Q4 24 | 11.7% | -22.6% | ||
| Q3 24 | 10.8% | 1.3% | ||
| Q2 24 | 11.1% | -0.4% | ||
| Q1 24 | 5.9% | -0.4% |
| Q4 25 | — | -20.7% | ||
| Q3 25 | 9.4% | -3.7% | ||
| Q2 25 | 9.2% | -6.4% | ||
| Q1 25 | 7.0% | -5.2% | ||
| Q4 24 | — | -19.0% | ||
| Q3 24 | 8.9% | 1.3% | ||
| Q2 24 | 8.6% | -1.6% | ||
| Q1 24 | 4.6% | 0.2% |
| Q4 25 | $0.84 | $-1.38 | ||
| Q3 25 | $0.88 | $-0.27 | ||
| Q2 25 | $0.71 | $-0.46 | ||
| Q1 25 | $0.63 | $-0.37 | ||
| Q4 24 | $0.95 | $-1.44 | ||
| Q3 24 | $0.97 | $0.11 | ||
| Q2 24 | $0.84 | $-0.13 | ||
| Q1 24 | $0.50 | $0.01 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $83.7M |
| Total DebtLower is stronger | — | $333.9M |
| Stockholders' EquityBook value | $491.0M | $210.5M |
| Total Assets | $4.7B | $697.9M |
| Debt / EquityLower = less leverage | — | 1.59× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $83.7M | ||
| Q3 25 | — | $115.6M | ||
| Q2 25 | — | $117.3M | ||
| Q1 25 | — | $102.7M | ||
| Q4 24 | — | $110.7M | ||
| Q3 24 | — | $92.3M | ||
| Q2 24 | — | $114.0M | ||
| Q1 24 | — | $125.8M |
| Q4 25 | — | $333.9M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $325.6M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $491.0M | $210.5M | ||
| Q3 25 | $475.3M | $239.5M | ||
| Q2 25 | $461.7M | $244.9M | ||
| Q1 25 | $449.9M | $269.6M | ||
| Q4 24 | $438.7M | $277.5M | ||
| Q3 24 | $331.9M | $308.9M | ||
| Q2 24 | $316.7M | $306.7M | ||
| Q1 24 | $303.7M | $314.6M |
| Q4 25 | $4.7B | $697.9M | ||
| Q3 25 | $4.6B | $715.2M | ||
| Q2 25 | $4.5B | $707.9M | ||
| Q1 25 | $4.3B | $712.6M | ||
| Q4 24 | $4.1B | $741.7M | ||
| Q3 24 | $4.1B | $756.7M | ||
| Q2 24 | $4.0B | $733.5M | ||
| Q1 24 | $3.9B | $746.4M |
| Q4 25 | — | 1.59× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 1.17× | ||
| 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 | $-5.8M |
| Free Cash FlowOCF − Capex | $246.1M | $-25.0M |
| FCF MarginFCF / Revenue | 178.3% | -17.7% |
| Capex IntensityCapex / Revenue | 6.1% | 13.6% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $436.4M | $-23.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $254.6M | $-5.8M | ||
| Q3 25 | $59.0M | $5.9M | ||
| Q2 25 | $66.0M | $12.2M | ||
| Q1 25 | $71.7M | $5.0M | ||
| Q4 24 | $259.8M | $15.2M | ||
| Q3 24 | $62.6M | $15.5M | ||
| Q2 24 | $72.1M | $18.7M | ||
| Q1 24 | $56.8M | $9.6M |
| Q4 25 | $246.1M | $-25.0M | ||
| Q3 25 | $57.4M | $2.5M | ||
| Q2 25 | $64.0M | $5.9M | ||
| Q1 25 | $68.9M | $-6.8M | ||
| Q4 24 | $249.9M | $-39.9M | ||
| Q3 24 | $60.2M | $-33.6M | ||
| Q2 24 | $69.5M | $4.1M | ||
| Q1 24 | $55.0M | $-12.2M |
| Q4 25 | 178.3% | -17.7% | ||
| Q3 25 | 39.7% | 1.7% | ||
| Q2 25 | 53.6% | 3.9% | ||
| Q1 25 | 49.4% | -4.4% | ||
| Q4 24 | 170.6% | -24.0% | ||
| Q3 24 | 39.8% | -18.4% | ||
| Q2 24 | 51.3% | 2.2% | ||
| Q1 24 | 37.1% | -6.7% |
| Q4 25 | 6.1% | 13.6% | ||
| Q3 25 | 1.2% | 2.3% | ||
| Q2 25 | 1.7% | 4.2% | ||
| Q1 25 | 2.0% | 7.6% | ||
| Q4 24 | 6.8% | 33.1% | ||
| Q3 24 | 1.6% | 26.9% | ||
| Q2 24 | 1.9% | 8.0% | ||
| Q1 24 | 1.2% | 12.0% |
| Q4 25 | — | — | ||
| Q3 25 | 4.34× | — | ||
| Q2 25 | 5.99× | — | ||
| Q1 25 | 7.37× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 4.65× | 6.44× | ||
| Q2 24 | 6.22× | — | ||
| Q1 24 | 8.35× | 34.11× |
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% |
PAMT
| Freight Transportation Service | $123.1M | 87% |
| Fuel Surcharge | $18.2M | 13% |
