Coastal Financial vs BlackRock Science and Technology Term Trust
This page compares Coastal Financial and BlackRock Science and Technology Term Trust, outlining differing business models, financial performance indicators, and the broader market context. It presents neutral, accessible information to help readers understand each organisation's approach and position. Educational content, not financial advice.
This page compares Coastal Financial and BlackRock Science and Technology Term Trust, outlining differing business models, financial performance indicators, and the broader market context. It presents...
Which Baskets Do They Appear In?
Financially Fit
These carefully selected companies showcase exceptional financial discipline with fortress-like balance sheets. Our professional analysts have identified businesses with minimal debt and strong cash positions, giving them the resilience to thrive in any economic environment.
Published: June 18, 2025
Explore BasketWhich Baskets Do They Appear In?
Financially Fit
These carefully selected companies showcase exceptional financial discipline with fortress-like balance sheets. Our professional analysts have identified businesses with minimal debt and strong cash positions, giving them the resilience to thrive in any economic environment.
Published: June 18, 2025
Explore BasketInvestment Analysis
Pros
- Coastal Financial reported a rise in net interest income to $77.9 million in Q3 2025, reflecting resilient core banking operations.
- The company achieved strong loan growth with loans receivable up $163.5 million, a 4.6% increase, supporting future revenue streams.
- Year-to-date share price return of 25.66% and one-year total shareholder return of 68.35% demonstrate strong market performance and investor confidence.
Considerations
- The bank trades at a premium valuation with a high P/E ratio around 33.7, well above typical banking sector levels, increasing valuation risk.
- Earnings per share have shown a slight decline recently, and Q3 2025 earnings were expected to drop year-over-year by 8.3%, highlighting some profitability pressures.
- Recent turnover in risk and finance leadership raises execution risk concerns during a period of active capital initiatives and growth strategy.
Pros
- BlackRock Science and Technology Term Trust invests primarily in growth-oriented science and technology companies, providing exposure to innovative sectors.
- The trust offers a high trailing dividend yield of approximately 12.3%, appealing to income-focused investors.
- Managed by BlackRock Advisors, the trust benefits from experienced management and global asset management expertise.
Considerations
- The trust’s share price has exhibited volatility, trading between $15.22 and $22.28 over the past 52 weeks, reflecting sector sensitivity.
- Exposure to the cyclicality of the technology sector can lead to heightened performance risk during market downturns or tech sector sell-offs.
- Payout ratio stands at 0.27, indicating a moderate portion of earnings is paid out as dividends, which could limit income growth potential.
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