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Coastal Financial (CCB) Financials

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$114.16 +1.76 (+1.57%)
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Annual Income Statements for Coastal Financial

Annual Income Statements for Coastal Financial

This table shows Coastal Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 8.49 13 13 15 34 70 151 216
Consolidated Net Income / (Loss)		 5.44 9.70 13 15 27 41 45 45
Net Income / (Loss) Continuing Operations		 8.49 13 13 15 34 70 151 216
Total Pre-Tax Income 		10 12 17 19 34 51 57 57
Total Revenue		 36 44 50 66 119 407 629 880
Net Interest Income / (Expense)		 29 35 42 57 79 172 232 273
Total Interest Income		 32 39 49 63 83 192 323 397
Loans and Leases Interest Income		 31 37 45 62 82 183 304 372
Investment Securities Interest Income		 0.67 0.77 0.81 0.47 0.36 2.09 3.58 3.49
Deposits and Money Market Investments Interest Income		 0.67 1.43 2.42 0.66 0.61 6.73 15 21
Total Interest Expense		 2.88 3.93 6.58 5.65 3.65 20 92 124
Deposits Interest Expense		 2.14 3.14 5.80 4.29 2.33 19 89 121
Long-Term Debt Interest Expense		 0.74 0.79 0.77 1.36 1.32 1.39 2.64 2.82
Total Non-Interest Income		 4.15 5.47 8.26 8.18 28 123 204 308
Other Service Charges		 6.89 0.52 0.49 0.66 1.86 1.34 0.88 1.52
Net Realized & Unrealized Capital Gains on Investments		 0.10 0.26 0.66 -0.32 3.13 -0.15 0.53 0.03
Other Non-Interest Income		 0.22 8.36 7.11 7.84 35 234 396 605
Provision for Credit Losses		 0.87 1.83 2.54 8.31 9.92 79 184 278
Total Non-Interest Expense		 22 26 31 38 63 165 195 246
Salaries and Employee Benefits		 13 16 19 23 37 52 66 70
Net Occupancy & Equipment Expense		 4.81 1.97 5.86 6.33 4.80 4.59 4.65 4.26
Marketing Expense		 0.75 0.72 0.82 0.32 0.45 0.35 0.52 0.16
Other Operating Expenses		 3.16 7.50 5.42 8.18 25 191 210 300
Income Tax Expense		 4.65 2.54 3.46 4.00 7.37 10.00 13 12
Basic Earnings per Share		 $0.59 $0.93 $1.11 $1.27 $2.25 $3.14 $3.36 $3.35
Weighted Average Basic Shares Outstanding		 9.23M 10.44M 11.90M 11.92M 12.02M 12.95M 13.26M 13.51M
Diluted Earnings per Share		 $0.59 $0.91 $1.08 $1.24 $2.16 $3.01 $3.27 $3.26
Weighted Average Diluted Shares Outstanding		 9.24M 10.61M 12.20M 12.21M 12.52M 13.51M 13.64M 13.88M
Weighted Average Basic & Diluted Shares Outstanding		 - 11.90M 11.93M 11.98M 12.92M 13.22M 13.38M 15.01M

Quarterly Income Statements for Coastal Financial

This table shows Coastal Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 16 27 40 45 17 50 64 48 57 45 37
Consolidated Net Income / (Loss)		 11 13 12 13 10 9.01 6.80 12 13 13 9.73
Net Income / (Loss) Continuing Operations		 16 27 40 45 17 50 64 48 57 45 37
Total Pre-Tax Income 		14 16 15 17 13 12 8.72 15 16 17 12
Total Revenue		 116 132 151 176 129 174 232 204 230 214 201
Net Interest Income / (Expense)		 49 53 54 62 62 53 62 66 72 74 76
Total Interest Income		 55 65 70 84 88 81 92 97 105 104 105
Loans and Leases Interest Income		 52 61 66 80 84 74 86 91 100 97 98
Investment Securities Interest Income		 0.58 0.71 0.58 0.81 0.80 1.40 1.07 0.86 0.71 0.85 0.69
Deposits and Money Market Investments Interest Income		 2.27 3.10 3.10 2.68 3.88 5.69 4.78 5.68 4.78 6.02 6.07
Total Interest Expense		 5.99 12 16 21 26 29 30 31 33 30 29
Deposits Interest Expense		 5.72 11 15 21 25 28 29 31 32 29 28
Long-Term Debt Interest Expense		 0.27 0.54 0.66 0.66 0.65 0.67 0.67 0.67 0.81 0.67 0.66
Total Non-Interest Income		 34 41 49 59 35 62 86 70 80 71 63
Other Service Charges		 0.26 -41 0.30 0.23 0.29 0.06 0.31 0.26 0.49 0.47 0.68
Net Realized & Unrealized Capital Gains on Investments		 -0.13 -0.02 0.16 0.18 0.11 0.08 0.02 0.01 0.00 0.00 0.02
Other Non-Interest Income		 67 - 96 113 66 121 170 137 157 140 124
Provision for Credit Losses		 18 21 44 52 27 61 83 62 70 62 56
Total Non-Interest Expense		 51 45 45 52 57 41 57 59 66 66 72
Salaries and Employee Benefits		 15 14 16 16 18 16 18 17 17 18 22
Net Occupancy & Equipment Expense		 1.89 -0.18 1.97 1.96 2.29 -1.57 1.61 2.54 3.10 -3.77 1.14
Marketing Expense		 0.07 0.11 0.10 0.12 0.17 0.14 0.05 0.01 0.07 0.03 0.05
Other Operating Expenses		 62 69 47 57 61 45 64 71 79 89 83
Income Tax Expense		 2.96 2.43 3.05 3.88 2.78 2.85 1.92 3.43 2.93 3.83 2.04
Basic Earnings per Share		 $0.86 $1.01 $0.94 $0.97 $0.77 $0.68 $0.51 $0.86 $1.00 $0.98 $0.65
Weighted Average Basic Shares Outstanding		 12.94M 12.95M 13.20M 13.28M 13.29M 13.26M 13.34M 13.41M 13.45M 13.51M 14.96M
Diluted Earnings per Share		 $0.82 $0.97 $0.91 $0.95 $0.75 $0.66 $0.50 $0.84 $0.97 $0.95 $0.63
Weighted Average Diluted Shares Outstanding		 13.54M 13.51M 13.61M 13.60M 13.68M 13.64M 13.68M 13.74M 13.82M 13.88M 15.46M
Weighted Average Basic & Diluted Shares Outstanding		 12.96M 13.22M 13.28M 13.30M 13.30M 13.38M 13.42M 13.46M 13.54M 15.01M 15.03M

Annual Cash Flow Statements for Coastal Financial

This table details how cash moves in and out of Coastal Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 5.51 9.20 3.59 -25 650 -471 141 -31
Net Cash From Operating Activities		 7.62 14 14 19 30 67 192 260
Net Cash From Continuing Operating Activities		 7.62 14 14 19 30 67 192 260
Net Income / (Loss) Continuing Operations		 5.44 9.70 13 15 27 41 45 45
Consolidated Net Income / (Loss)		 5.44 9.70 13 15 27 41 45 45
Provision For Loan Losses		 0.87 1.83 2.54 8.31 9.92 79 184 278
Depreciation Expense		 0.99 1.07 1.24 1.36 1.59 1.81 2.33 4.55
Amortization Expense		 -0.00 -0.02 -0.06 0.05 0.03 -0.05 -0.03 0.01
Non-Cash Adjustments to Reconcile Net Income		 1.29 -0.49 -0.95 -0.31 -14 -8.67 16 -64
Changes in Operating Assets and Liabilities, net		 -0.97 2.32 -2.30 -5.21 5.05 -46 -56 -3.91
Net Cash From Investing Activities		 -62 -139 -165 -667 -240 -988 -594 -609
Net Cash From Continuing Investing Activities		 -62 -139 -165 -667 -240 -988 -594 -609
Purchase of Property, Leasehold Improvements and Equipment		 -1.06 -1.15 -1.21 -5.37 -2.59 -2.84 -6.25 -9.90
Purchase of Investment Securities		 -68 -141 -210 -702 -184 -303 -142 -203
Sale and/or Maturity of Investments		 7.20 3.32 47 41 84 231 601 1,628
Other Investing Activities, net		 - - - - -142 -913 -1,047 -2,025
Net Cash From Financing Activities		 60 134 154 622 860 450 543 318
Net Cash From Continuing Financing Activities		 60 134 154 622 860 450 543 318
Net Change in Deposits		 55 100 164 453 967 454 543 225
Issuance of Debt		 5.00 - 0.00 231 24 20 0.00 0.00
Issuance of Common Equity		 0.00 33 - 0.00 32 0.00 0.00 92
Repayment of Debt		 - - -10 -62 -10 -25 0.00 0.00
Other Financing Activities, Net		 0.02 0.36 0.12 0.20 -153 1.47 0.62 1.40
Cash Interest Paid		 2.87 3.88 6.55 6.55 3.82 20 91 124
Cash Income Taxes Paid		 3.82 2.52 4.48 5.36 8.76 23 6.84 11

Quarterly Cash Flow Statements for Coastal Financial

This table details how cash moves in and out of Coastal Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Change in Cash & Equivalents		 5.04 -69 52 -119 200 8.18 32 -28 -3.22 -32 172
Net Cash From Operating Activities		 21 25 47 34 65 45 57 73 63 62 72
Net Cash From Continuing Operating Activities		 21 25 47 34 65 45 57 73 63 62 72
Net Income / (Loss) Continuing Operations		 11 13 12 13 10 9.01 6.80 12 13 13 9.73
Consolidated Net Income / (Loss)		 11 13 12 13 10 9.01 6.80 12 13 13 9.73
Provision For Loan Losses		 18 34 44 52 27 61 83 62 70 62 56
Depreciation Expense		 0.49 0.47 0.47 0.49 0.61 0.77 0.88 1.08 1.16 1.43 1.55
Amortization Expense		 -0.01 -0.01 -0.01 -0.01 -0.01 -0.01 0.01 -0.00 0.00 0.00 0.00
Non-Cash Adjustments to Reconcile Net Income		 -0.83 -3.74 -20 14 22 0.68 -32 -5.44 -23 -8.61 0.80
Changes in Operating Assets and Liabilities, net		 -7.97 -18 10 -45 5.20 -26 -2.35 2.99 1.54 -6.08 3.81
Net Cash From Investing Activities		 -156 -95 -273 -221 7.63 -108 -128 -181 -151 -143 -105
Net Cash From Continuing Investing Activities		 -156 -95 -273 -221 7.63 -108 -128 -181 -151 -143 -105
Purchase of Property, Leasehold Improvements and Equipment		 -0.29 -0.22 -0.28 -1.39 -2.25 -2.33 -1.79 -2.62 -2.47 -3.03 -2.76
Purchase of Investment Securities		 -0.33 -2.73 -48 -12 -74 -8.81 -21 -0.43 -0.09 -181 0.00
Sale and/or Maturity of Investments		 85 68 71 82 321 127 201 156 424 847 743
Other Investing Activities, net		 -240 -160 -296 -290 -238 -224 -306 -335 -573 -806 -845
Net Cash From Financing Activities		 140 1.24 278 67 127 71 103 81 85 50 205
Net Cash From Continuing Financing Activities		 140 1.24 278 67 127 71 103 81 85 50 205
Net Change in Deposits		 140 -20 278 67 127 71 103 80 84 -42 206
Issuance of Common Equity		 - - - - - - 0.00 - - - 0.07
Other Financing Activities, Net		 0.03 1.16 0.57 0.02 0.01 0.02 0.29 0.29 0.70 0.12 -1.13
Cash Interest Paid		 6.17 11 15 21 26 29 29 31 33 30 29
Cash Income Taxes Paid		 6.18 12 0.17 5.03 - 1.65 0.10 3.53 3.81 3.11 0.11

Annual Balance Sheets for Coastal Financial

This table presents Coastal Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets		 806 952 1,129 1,766 2,636 3,144 3,750 4,121
Cash and Due from Banks		 14 16 17 19 14 33 31 37
Interest Bearing Deposits at Other Banks		 76 109 111 144 799 309 452 416
Trading Account Securities		 38 38 33 23 37 98 150 47
Loans and Leases, Net of Allowance		 649 758 928 1,528 1,714 2,553 2,904 3,310
Loans and Leases		 657 768 939 1,547 1,743 2,627 3,022 3,487
Allowance for Loan and Lease Losses		 8.02 9.41 11 19 29 74 117 177
Loans Held for Sale		 - - - - - - 0.00 21
Accrued Investment Income		 2.27 2.53 2.98 8.62 8.11 18 23 21
Premises and Equipment, Net		 13 13 13 17 17 18 22 27
Other Assets		 14 14 24 26 1,759 115 167 243
Total Liabilities & Shareholders' Equity		 806 952 1,129 1,766 2,636 3,144 3,750 4,121
Total Liabilities		 740 843 1,004 1,626 2,434 2,901 3,455 3,683
Non-Interest Bearing Deposits		 703 804 968 1,421 2,364 2,818 3,360 3,585
Accrued Interest Payable		 0.23 0.28 0.31 0.53 0.36 0.68 0.89 0.96
Long-Term Debt		 34 34 24 192 53 48 48 48
Other Long-Term Liabilities		 2.99 5.52 13 12 17 35 46 48
Total Equity & Noncontrolling Interests		 66 109 124 140 201 243 295 439
Total Preferred & Common Equity		 66 109 124 140 201 243 295 439
Preferred Stock		 0.00 0.00 - 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 66 109 124 140 201 243 295 439
Common Stock		 53 86 87 88 122 126 130 228
Retained Earnings		 14 24 37 52 79 120 165 211
Accumulated Other Comprehensive Income / (Loss)		 -0.94 -1.30 -0.03 0.03 0.00 -2.33 -0.47 -0.00

Quarterly Balance Sheets for Coastal Financial

This table presents Coastal Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q2 2022 Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025
Period end date 6/30/2022 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025
Total Assets		 2,970 3,134 3,451 3,535 3,678 3,865 3,962 4,066 4,339
Cash and Due from Banks		 41 37 38 30 30 33 60 45 43
Interest Bearing Deposits at Other Banks		 365 373 356 245 445 482 427 439 581
Trading Account Securities		 110 1.25 102 111 141 50 49 49 47
Loans and Leases, Net of Allowance		 2,285 -59 2,748 2,897 2,866 3,060 3,179 3,249 3,334
Loans and Leases		 2,334 - 2,837 3,008 2,967 3,200 3,326 3,419 3,517
Allowance for Loan and Lease Losses		 49 59 89 111 101 139 148 170 183
Loans Held for Sale		 60 43 27 36 0.00 0.80 0.00 7.57 42
Accrued Investment Income		 12 13 19 22 23 25 24 24 21
Premises and Equipment, Net		 19 18 18 19 21 23 25 26 29
Other Assets		 78 144 2,877 176 152 191 198 228 242
Total Liabilities & Shareholders' Equity		 2,970 3,134 3,451 3,535 3,678 3,865 3,962 4,066 4,339
Total Liabilities		 2,752 2,905 3,192 3,263 3,394 3,562 3,645 3,734 3,889
Non-Interest Bearing Deposits		 2,697 2,837 3,095 3,163 3,290 3,463 3,543 3,627 3,791
Accrued Interest Payable		 0.33 0.15 0.87 0.77 1.06 1.06 1.00 1.07 1.11
Long-Term Debt		 28 28 48 48 48 48 48 48 48
Other Long-Term Liabilities		 26 40 49 52 55 50 47 58 49
Total Equity & Noncontrolling Interests		 218 229 259 273 284 304 317 332 450
Total Preferred & Common Equity		 218 229 259 273 284 304 317 332 450
Preferred Stock		 - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 218 229 259 273 284 304 317 332 450
Common Stock		 123 124 127 128 129 132 133 135 230
Retained Earnings		 96 107 133 146 156 172 184 197 220
Accumulated Other Comprehensive Income / (Loss)		 -1.34 -2.09 -1.81 -1.68 -1.09 -0.00 -0.00 -0.00 -0.00

Annual Metrics And Ratios for Coastal Financial

This table displays calculated financial ratios and metrics derived from Coastal Financial's official financial filings.

Metric 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - - - - -
Revenue Growth		 0.00% 20.62% 14.34% 30.43% 81.55% 242.11% 54.53% 39.84%
EBITDA Growth		 0.00% 20.03% 5.16% 15.13% 131.12% 247.32% 53.46% 42.54%
EBIT Growth		 0.00% 21.12% 4.65% 14.88% 139.59% 255.75% 53.71% 42.03%
NOPAT Growth		 0.00% 78.46% 36.08% 14.73% 78.30% 50.44% 9.73% 1.44%
Net Income Growth		 0.00% 78.46% 36.08% 14.73% 78.30% 50.44% 9.73% 1.44%
EPS Growth		 0.00% 54.24% 18.68% 14.81% 74.19% 39.35% 8.64% -0.31%
Operating Cash Flow Growth		 0.00% 89.08% -5.08% 41.39% 54.41% 124.81% 185.46% 35.63%
Free Cash Flow Firm Growth		 0.00% 0.00% 124.19% -2,176.74% 162.15% -96.55% -293.79% -1,298.99%
Invested Capital Growth		 0.00% 43.79% 3.53% 125.07% -23.58% 14.56% 17.74% 41.98%
Revenue Q/Q Growth		 0.00% 0.00% -5.94% 9.33% 38.45% 24.40% 6.49% 3.15%
EBITDA Q/Q Growth		 0.00% 0.00% -19.63% 7.47% 51.71% 36.27% 1.65% 3.53%
EBIT Q/Q Growth		 0.00% 0.00% -20.86% 7.52% 54.40% 36.76% 1.54% 3.37%
NOPAT Q/Q Growth		 0.00% 0.00% 4.37% 7.47% 10.79% 16.75% -8.43% 10.66%
Net Income Q/Q Growth		 0.00% 0.00% 4.37% 7.47% 1.59% 24.65% -8.43% 10.66%
EPS Q/Q Growth		 0.00% 0.00% 3.85% 7.83% 9.64% 15.33% -8.66% 9.76%
Operating Cash Flow Q/Q Growth		 0.00% 32.27% -8.13% 12.17% 0.44% 38.10% 11.81% 4.71%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00% 18.58% -43.58% 145.91% 73.68% -1,357.70%
Invested Capital Q/Q Growth		 0.00% 0.00% -4.06% -11.66% 18.77% 13.41% 3.18% 28.12%
Profitability Metrics		 - - - - - - - -
EBITDA Margin		 38.78% 38.60% 35.50% 31.33% 39.89% 40.49% 40.21% 40.99%
EBIT Margin		 36.07% 36.21% 33.15% 29.19% 38.53% 40.06% 39.85% 40.47%
Profit (Net Income) Margin		 14.91% 22.07% 26.26% 23.10% 22.69% 9.98% 7.08% 5.14%
Tax Burden Percent		 53.88% 79.24% 79.23% 79.13% 78.56% 80.25% 78.03% 78.89%
Interest Burden Percent		 76.75% 76.89% 100.00% 100.00% 74.96% 31.03% 22.78% 16.09%
Effective Tax Rate		 46.12% 20.76% 20.77% 20.87% 21.44% 19.75% 21.97% 21.11%
Return on Invested Capital (ROIC)		 5.48% 8.02% 9.09% 6.31% 9.21% 14.90% 14.07% 10.91%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.48% 8.02% 9.09% 6.31% 9.21% 14.90% 14.07% 10.91%
Return on Net Nonoperating Assets (RNNOA)		 2.80% 3.08% 2.22% 5.15% 6.61% 3.37% 2.49% 1.42%
Return on Equity (ROE)		 8.27% 11.10% 11.32% 11.46% 15.82% 18.27% 16.56% 12.33%
Cash Return on Invested Capital (CROIC)		 0.00% -27.91% 5.62% -70.64% 35.94% 1.34% -2.23% -23.79%
Operating Return on Assets (OROA)		 1.63% 1.81% 1.60% 1.32% 2.08% 5.65% 7.27% 9.05%
Return on Assets (ROA)		 0.67% 1.10% 1.27% 1.05% 1.23% 1.41% 1.29% 1.15%
Return on Common Equity (ROCE)		 8.27% 11.10% 11.32% 11.46% 15.82% 18.27% 16.56% 12.33%
Return on Equity Simple (ROE_SIMPLE)		 8.27% 8.89% 10.63% 10.80% 13.42% 16.68% 15.11% 10.31%
Net Operating Profit after Tax (NOPAT)		 5.44 9.70 13 15 27 41 45 45
NOPAT Margin		 14.91% 22.07% 26.26% 23.10% 22.69% 9.98% 7.08% 5.14%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 51.98% 42.57% 51.00% 45.67% 35.58% 14.04% 11.38% 8.47%
Operating Expenses to Revenue		 61.55% 59.63% 61.79% 58.14% 53.15% 40.52% 30.92% 27.99%
Earnings before Interest and Taxes (EBIT)		 13 16 17 19 46 163 251 356
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 14 17 18 21 47 165 253 361
Valuation Ratios		 - - - - - - - -
Price to Book Value (P/BV)		 0.63 1.66 1.58 1.79 3.02 2.53 2.00 2.62
Price to Tangible Book Value (P/TBV)		 0.63 1.66 1.58 1.79 3.02 2.53 2.00 2.62
Price to Revenue (P/Rev)		 1.13 4.12 3.90 3.83 5.11 1.51 0.94 1.31
Price to Earnings (P/E)		 4.87 13.53 14.86 16.57 17.88 8.76 3.90 5.33
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 20.55% 7.39% 6.73% 6.04% 5.59% 11.41% 25.61% 18.75%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.62 0.62 0.84 0.00 1.10 0.45 1.53
Enterprise Value to Revenue (EV/Rev)		 0.00 2.02 1.83 4.27 0.00 0.79 0.25 0.85
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 5.23 5.15 13.64 0.00 1.95 0.61 2.07
Enterprise Value to EBIT (EV/EBIT)		 0.00 5.58 5.52 14.64 0.00 1.97 0.62 2.09
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 9.15 6.97 18.50 0.00 7.91 3.49 16.48
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 6.17 6.73 14.49 0.00 4.79 0.81 2.87
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 11.26 0.00 0.00 88.32 0.00 0.00
Leverage & Solvency		 - - - - - - - -
Debt to Equity		 0.51 0.31 0.19 1.37 0.26 0.20 0.16 0.11
Long-Term Debt to Equity		 0.51 0.31 0.19 1.37 0.26 0.20 0.16 0.11
Financial Leverage		 0.51 0.38 0.24 0.82 0.72 0.23 0.18 0.13
Leverage Ratio		 12.26 10.05 8.92 10.95 12.89 13.00 12.80 10.73
Compound Leverage Factor		 9.41 7.73 8.92 10.95 9.66 4.03 2.92 1.73
Debt to Total Capital		 33.79% 23.51% 15.95% 57.83% 20.81% 16.35% 13.93% 9.84%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 33.79% 23.51% 15.95% 57.83% 20.81% 16.35% 13.93% 9.84%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 66.21% 76.49% 84.05% 42.17% 79.19% 83.65% 86.07% 90.16%
Debt to EBITDA		 2.37 1.98 1.32 9.36 1.11 0.29 0.19 0.13
Net Debt to EBITDA		 -3.98 -5.44 -5.84 1.42 -16.01 -1.79 -1.72 -1.12
Long-Term Debt to EBITDA		 2.37 1.98 1.32 9.36 1.11 0.29 0.19 0.13
Debt to NOPAT		 6.17 3.46 1.78 12.70 1.96 1.17 1.07 1.06
Net Debt to NOPAT		 -10.34 -9.51 -7.90 1.93 -28.15 -7.25 -9.77 -8.95
Long-Term Debt to NOPAT		 6.17 3.46 1.78 12.70 1.96 1.17 1.07 1.06
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - -
Cash Flow Metrics		 - - - - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 -34 8.17 -170 105 3.64 -7.05 -99
Operating Cash Flow to CapEx		 720.62% 1,253.44% 1,127.04% 360.10% 0.00% 2,364.27% 3,067.09% 2,624.10%
Free Cash Flow to Firm to Interest Expense		 0.00 -8.60 1.24 -30.01 28.91 0.18 -0.08 -0.80
Operating Cash Flow to Interest Expense		 2.65 3.67 2.08 3.42 8.19 3.29 2.09 2.10
Operating Cash Flow Less CapEx to Interest Expense		 2.28 3.38 1.89 2.47 8.60 3.15 2.02 2.02
Efficiency Ratios		 - - - - - - - -
Asset Turnover		 0.05 0.05 0.05 0.05 0.05 0.14 0.18 0.22
Fixed Asset Turnover		 2.78 3.34 3.83 4.34 6.94 22.99 31.23 35.54
Capital & Investment Metrics		 - - - - - - - -
Invested Capital		 99 143 148 333 254 291 343 487
Invested Capital Turnover		 0.37 0.36 0.35 0.27 0.41 1.49 1.99 2.12
Increase / (Decrease) in Invested Capital		 0.00 43 5.03 185 -78 37 52 144
Enterprise Value (EV)		 -15 89 92 280 -152 321 155 745
Market Capitalization		 41 181 196 251 608 616 591 1,150
Book Value per Share		 $7.12 $9.18 $10.42 $11.73 $16.75 $18.79 $22.17 $32.39
Tangible Book Value per Share		 $7.12 $9.18 $10.42 $11.73 $16.75 $18.79 $22.17 $32.39
Total Capital		 99 143 148 333 254 291 343 487
Total Debt		 34 34 24 192 53 48 48 48
Total Long-Term Debt		 34 34 24 192 53 48 48 48
Net Debt		 -56 -92 -104 29 -760 -295 -435 -405
Capital Expenditures (CapEx)		 1.06 1.15 1.21 5.37 -1.50 2.84 6.25 9.90
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 34 34 24 192 53 48 48 48
Total Depreciation and Amortization (D&A)		 0.99 1.05 1.18 1.40 1.62 1.76 2.30 4.56
Earnings Adjustments		 - - - - - - - -
Adjusted Basic Earnings per Share		 $0.59 $0.93 $1.11 $1.27 $2.25 $3.14 $3.36 $3.35
Adjusted Weighted Average Basic Shares Outstanding		 9.23M 10.44M 11.90M 11.92M 12.02M 12.95M 13.26M 13.51M
Adjusted Diluted Earnings per Share		 $0.59 $0.91 $1.08 $1.24 $2.16 $3.01 $3.27 $3.26
Adjusted Weighted Average Diluted Shares Outstanding		 9.24M 10.61M 12.20M 12.21M 12.52M 13.51M 13.64M 13.88M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 11.90M 11.93M 11.98M 12.92M 13.22M 13.38M 15.01M
Normalized Net Operating Profit after Tax (NOPAT)		 5.44 9.70 13 15 27 41 45 45
Normalized NOPAT Margin		 14.91% 22.07% 26.26% 23.10% 22.69% 9.98% 7.08% 5.14%
Pre Tax Income Margin		 27.68% 27.85% 33.15% 29.19% 28.88% 12.43% 9.08% 6.51%
Debt Service Ratios		 - - - - - - - -
EBIT to Interest Expense		 4.57 4.06 2.53 3.39 12.58 8.00 2.74 2.88
NOPAT to Interest Expense		 1.89 2.47 2.01 2.68 7.41 1.99 0.49 0.37
EBIT Less CapEx to Interest Expense		 4.20 3.76 2.35 2.44 12.99 7.86 2.67 2.80
NOPAT Less CapEx to Interest Expense		 1.52 2.18 1.82 1.73 7.82 1.85 0.42 0.29
Payout Ratios		 - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

Quarterly Metrics And Ratios for Coastal Financial

This table displays calculated financial ratios and metrics derived from Coastal Financial's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 385.08% 153.49% 111.34% 99.57% 11.32% 31.69% 53.88% 16.00% 78.26% 23.10% -13.57%
EBITDA Growth		 495.05% 195.26% 306.64% 99.08% -2.15% 8.79% 48.28% 16.30% 107.75% 21.26% -20.28%
EBIT Growth		 517.93% 198.88% 314.57% 99.96% -2.43% 8.41% 47.95% 15.58% 107.95% 20.55% -21.20%
NOPAT Growth		 66.08% 79.95% 98.89% 26.83% -7.49% -31.30% -45.12% -10.15% 31.02% 48.32% 43.09%
Net Income Growth		 24.86% 158.08% 98.89% 26.83% -7.49% -31.30% -45.12% -10.15% 31.02% 48.32% 43.09%
EPS Growth		 51.85% 70.18% 97.83% 25.00% -8.54% -31.96% -45.05% -11.58% 29.33% 43.94% 26.00%
Operating Cash Flow Growth		 70.19% 281.99% 484.20% 168.78% 207.00% 80.68% 21.73% 110.39% -2.70% 36.79% 26.28%
Free Cash Flow Firm Growth		 -118.70% -127.85% -150.92% -44.79% -106.21% -78.56% 34.17% 47.31% 47.59% -206.22% -256.75%
Invested Capital Growth		 19.97% 14.56% 29.93% 30.44% 29.41% 17.74% 14.72% 13.79% 14.34% 41.98% 41.64%
Revenue Q/Q Growth		 31.55% 13.85% 11.39% 16.55% -26.62% 34.69% 33.59% -12.25% 12.76% -6.99% -6.20%
EBITDA Q/Q Growth		 29.33% 41.68% -7.61% 14.59% -36.44% 57.54% 29.22% -10.86% 13.54% -8.05% -15.04%
EBIT Q/Q Growth		 29.42% 42.16% -7.66% 14.66% -36.85% 57.95% 29.35% -11.17% 13.62% -8.43% -15.44%
NOPAT Q/Q Growth		 9.09% 18.17% -5.54% 4.16% -20.42% -12.25% -24.55% 70.53% 16.04% -0.66% -27.21%
Net Income Q/Q Growth		 9.09% 18.17% -5.54% 4.16% -20.42% -12.25% -24.55% 70.53% 16.04% -0.66% -27.21%
EPS Q/Q Growth		 7.89% 18.29% -6.19% 4.40% -21.05% -12.00% -24.24% 68.00% 15.48% -2.06% -33.68%
Operating Cash Flow Q/Q Growth		 65.33% 18.21% 85.97% -26.05% 88.84% -30.43% 25.30% 17.21% -12.67% -2.19% 15.67%
Free Cash Flow Firm Q/Q Growth		 25.96% 24.52% -143.75% -6.30% -5.45% 34.64% 10.14% 14.91% -4.88% -281.87% -4.69%
Invested Capital Q/Q Growth		 4.52% 13.41% 5.26% 4.55% 3.69% 3.18% 2.56% 3.71% 4.19% 28.12% 2.31%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 40.43% 50.31% 41.72% 41.02% 35.53% 41.56% 40.20% 41.13% 41.41% 40.94% 37.08%
EBIT Margin		 40.01% 49.96% 41.42% 40.74% 35.07% 41.12% 39.82% 40.60% 40.91% 40.27% 36.31%
Profit (Net Income) Margin		 9.58% 9.94% 8.22% 7.34% 7.96% 5.19% 2.93% 5.69% 5.85% 6.25% 4.85%
Tax Burden Percent		 78.93% 84.39% 80.26% 76.90% 78.67% 75.99% 78.03% 77.20% 82.14% 77.72% 82.67%
Interest Burden Percent		 30.34% 23.59% 24.72% 23.43% 28.86% 16.60% 9.43% 18.15% 17.42% 19.97% 16.16%
Effective Tax Rate		 21.07% 15.61% 19.74% 23.10% 21.33% 24.01% 21.97% 22.80% 17.86% 22.28% 17.33%
Return on Invested Capital (ROIC)		 13.33% 14.86% 14.85% 15.00% 15.98% 10.30% 6.33% 12.49% 14.03% 13.27% 9.69%
ROIC Less NNEP Spread (ROIC-NNEP)		 13.33% 14.86% 14.85% 15.00% 15.98% 10.30% 6.33% 12.49% 14.03% 13.27% 9.69%
Return on Net Nonoperating Assets (RNNOA)		 2.76% 3.36% 2.40% 2.31% 2.36% 1.82% 1.07% 2.02% 2.17% 1.73% 1.23%
Return on Equity (ROE)		 16.09% 18.21% 17.26% 17.31% 18.34% 12.13% 7.40% 14.52% 16.20% 15.00% 10.92%
Cash Return on Invested Capital (CROIC)		 -3.37% 1.34% -8.77% -8.92% -9.10% -2.23% -1.86% -1.90% -1.90% -23.79% -23.13%
Operating Return on Assets (OROA)		 4.69% 7.04% 6.46% 7.24% 6.08% 7.51% 7.74% 8.15% 9.01% 9.01% 7.51%
Return on Assets (ROA)		 1.12% 1.40% 1.28% 1.30% 1.38% 0.95% 0.57% 1.14% 1.29% 1.40% 1.00%
Return on Common Equity (ROCE)		 16.09% 18.21% 17.26% 17.33% 18.34% 12.13% 7.40% 14.52% 16.20% 15.00% 10.92%
Return on Equity Simple (ROE_SIMPLE)		 14.25% 0.00% 18.08% 18.16% 17.12% 0.00% 12.84% 11.90% 12.31% 0.00% 10.70%
Net Operating Profit after Tax (NOPAT)		 11 13 12 13 10 9.01 6.80 12 13 13 9.73
NOPAT Margin		 9.58% 9.94% 8.22% 7.34% 7.96% 5.19% 2.93% 5.69% 5.85% 6.25% 4.85%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 14.21% 10.86% 11.70% 10.46% 15.93% 8.67% 8.46% 9.59% 8.82% 6.67% 11.33%
Operating Expenses to Revenue		 44.09% 34.39% 29.61% 29.53% 43.80% 23.89% 24.35% 28.84% 28.54% 30.80% 35.89%
Earnings before Interest and Taxes (EBIT)		 46 66 62 72 45 71 92 83 94 86 73
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 47 66 63 72 46 72 93 84 95 88 74
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 2.25 2.53 1.84 1.83 2.01 2.00 1.71 1.96 2.19 2.62 3.02
Price to Tangible Book Value (P/TBV)		 2.25 2.53 1.84 1.83 2.01 2.00 1.71 1.96 2.19 2.62 3.02
Price to Revenue (P/Rev)		 1.57 1.51 0.97 0.87 0.97 0.94 0.73 0.82 0.85 1.31 1.60
Price to Earnings (P/E)		 9.13 8.76 4.83 3.88 4.39 3.90 2.97 3.52 3.36 5.33 7.18
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 10.95% 11.41% 20.70% 25.80% 22.78% 25.61% 33.69% 28.41% 29.73% 18.75% 13.92%
Enterprise Value to Invested Capital (EV/IC)		 0.51 1.10 0.42 0.85 0.43 0.45 0.15 0.49 0.76 1.53 1.57
Enterprise Value to Revenue (EV/Rev)		 0.40 0.79 0.26 0.47 0.24 0.25 0.07 0.24 0.34 0.85 0.92
Enterprise Value to EBITDA (EV/EBITDA)		 1.09 1.95 0.61 1.09 0.58 0.61 0.19 0.60 0.83 2.07 2.28
Enterprise Value to EBIT (EV/EBIT)		 1.11 1.97 0.61 1.10 0.58 0.62 0.19 0.61 0.84 2.09 2.32
Enterprise Value to NOPAT (EV/NOPAT)		 3.79 7.91 2.77 5.51 2.95 3.49 1.35 4.77 7.10 16.48 16.21
Enterprise Value to Operating Cash Flow (EV/OCF)		 2.71 4.79 1.23 2.14 0.84 0.81 0.26 0.72 1.17 2.87 2.84
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 88.32 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.12 0.20 0.18 0.17 0.17 0.16 0.16 0.15 0.14 0.11 0.11
Long-Term Debt to Equity		 0.12 0.20 0.18 0.17 0.17 0.16 0.16 0.15 0.14 0.11 0.11
Financial Leverage		 0.21 0.23 0.16 0.15 0.15 0.18 0.17 0.16 0.16 0.13 0.13
Leverage Ratio		 14.33 13.00 13.47 13.27 13.27 12.80 13.01 12.72 12.56 10.73 10.89
Compound Leverage Factor		 4.35 3.07 3.33 3.11 3.83 2.13 1.23 2.31 2.19 2.14 1.76
Debt to Total Capital		 10.88% 16.35% 15.54% 14.88% 14.36% 13.93% 13.59% 13.12% 12.60% 9.84% 9.63%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 10.88% 16.35% 15.54% 14.88% 14.36% 13.93% 13.59% 13.12% 12.60% 9.84% 9.63%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 89.12% 83.65% 84.46% 85.12% 85.64% 86.07% 86.41% 86.88% 87.40% 90.16% 90.37%
Debt to EBITDA		 0.23 0.29 0.22 0.19 0.19 0.19 0.17 0.16 0.14 0.13 0.14
Net Debt to EBITDA		 -3.16 -1.79 -1.62 -0.91 -1.72 -1.72 -1.65 -1.47 -1.25 -1.12 -1.69
Long-Term Debt to EBITDA		 0.23 0.29 0.22 0.19 0.19 0.19 0.17 0.16 0.14 0.13 0.14
Debt to NOPAT		 0.80 1.17 1.02 0.96 0.98 1.07 1.23 1.27 1.17 1.06 1.00
Net Debt to NOPAT		 -11.00 -7.25 -7.40 -4.59 -8.78 -9.77 -11.99 -11.66 -10.67 -8.95 -11.97
Long-Term Debt to NOPAT		 0.80 1.17 1.02 0.96 0.98 1.07 1.23 1.27 1.17 1.06 1.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% -0.14% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -32 -24 -58 -62 -65 -43 -38 -33 -34 -131 -137
Operating Cash Flow to CapEx		 7,314.48% 11,554.84% 16,419.37% 2,489.82% 2,898.13% 1,945.21% 3,178.28% 2,767.01% 2,570.47% 2,047.34% 2,595.37%
Free Cash Flow to Firm to Interest Expense		 -5.28 -2.06 -3.72 -2.90 -2.50 -1.49 -1.30 -1.04 -1.04 -4.34 -4.74
Operating Cash Flow to Interest Expense		 3.54 2.16 2.99 1.62 2.49 1.58 1.92 2.32 1.93 2.06 2.49
Operating Cash Flow Less CapEx to Interest Expense		 3.49 2.14 2.97 1.55 2.41 1.50 1.86 2.24 1.85 1.96 2.39
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.12 0.14 0.16 0.18 0.17 0.18 0.19 0.20 0.22 0.22 0.21
Fixed Asset Turnover		 18.34 22.99 27.11 30.76 30.30 31.23 34.64 34.64 36.80 35.54 32.87
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 257 291 306 320 332 343 351 365 380 487 498
Invested Capital Turnover		 1.39 1.49 1.81 2.04 2.01 1.99 2.16 2.20 2.40 2.12 2.00
Increase / (Decrease) in Invested Capital		 43 37 71 75 75 52 45 44 48 144 146
Enterprise Value (EV)		 132 321 130 273 144 155 53 180 290 745 780
Market Capitalization		 515 616 476 500 571 591 520 619 727 1,150 1,357
Book Value per Share		 $17.66 $18.79 $19.58 $20.53 $21.38 $22.17 $22.69 $23.60 $24.67 $32.39 $29.98
Tangible Book Value per Share		 $17.66 $18.79 $19.58 $20.53 $21.38 $22.17 $22.69 $23.60 $24.67 $32.39 $29.98
Total Capital		 257 291 306 320 332 343 351 365 380 487 498
Total Debt		 28 48 48 48 48 48 48 48 48 48 48
Total Long-Term Debt		 28 48 48 48 48 48 48 48 48 48 48
Net Debt		 -383 -295 -346 -227 -427 -435 -467 -439 -436 -405 -576
Capital Expenditures (CapEx)		 0.29 0.22 0.28 1.39 2.25 2.33 1.79 2.62 2.47 3.03 2.76
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 28 48 48 48 48 48 48 48 48 48 48
Total Depreciation and Amortization (D&A)		 0.49 0.47 0.46 0.48 0.60 0.76 0.89 1.08 1.16 1.43 1.56
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.86 $1.01 $0.94 $0.97 $0.77 $0.68 $0.51 $0.86 $1.00 $0.98 $0.65
Adjusted Weighted Average Basic Shares Outstanding		 12.94M 12.95M 13.20M 13.28M 13.29M 13.26M 13.34M 13.41M 13.45M 13.51M 14.96M
Adjusted Diluted Earnings per Share		 $0.82 $0.97 $0.91 $0.95 $0.75 $0.66 $0.50 $0.84 $0.97 $0.95 $0.63
Adjusted Weighted Average Diluted Shares Outstanding		 13.54M 13.51M 13.61M 13.60M 13.68M 13.64M 13.68M 13.74M 13.82M 13.88M 15.46M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 12.96M 13.22M 13.28M 13.30M 13.30M 13.38M 13.42M 13.46M 13.54M 15.01M 15.03M
Normalized Net Operating Profit after Tax (NOPAT)		 11 13 12 13 10 9.01 6.80 12 13 13 9.73
Normalized NOPAT Margin		 9.58% 9.94% 8.22% 7.34% 7.96% 5.19% 2.93% 5.69% 5.85% 6.25% 4.85%
Pre Tax Income Margin		 12.14% 11.78% 10.24% 9.55% 10.12% 6.83% 3.76% 7.37% 7.12% 8.04% 5.87%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 7.74 5.68 4.00 3.36 1.73 2.50 3.13 2.65 2.86 2.86 2.52
NOPAT to Interest Expense		 1.85 1.13 0.79 0.60 0.39 0.32 0.23 0.37 0.41 0.44 0.34
EBIT Less CapEx to Interest Expense		 7.69 5.66 3.98 3.29 1.65 2.42 3.07 2.57 2.78 2.76 2.43
NOPAT Less CapEx to Interest Expense		 1.80 1.11 0.78 0.54 0.31 0.23 0.17 0.29 0.33 0.34 0.24
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

Key Financial Trends

Coastal Financial (NASDAQ: CCB) has shown steady financial performance over the last four years, with recent quarterly results indicating both growth and some areas requiring attention. Here's a summary analysis of key trends based on the available data:

  • Revenue Growth: Total revenue has increased steadily from $88.1 million in Q2 2022 to $200.6 million in Q1 2025, indicating consistent top-line growth.
  • Net Interest Income Improvement: Net interest income rose from $39.9 million in Q2 2022 to $76.1 million in Q1 2025, reflecting improved interest-earning assets and margins.
  • Non-Interest Income Strength: Non-interest income remains robust, with $63.5 million noted in Q1 2025, supported by other non-interest income exceeding $123 million in the same quarter, highlighting diversified income sources.
  • Operating Cash Flow Increasing: Net cash from operating activities increased from $12.8 million in Q2 2022 to $71.7 million in Q1 2025, suggesting stronger cash generation from core operations.
  • Strong Deposit Growth: Deposits have grown significantly, with net change in deposits at $205.9 million in Q1 2025 and total non-interest bearing deposits recently at $3.79 billion, indicating strong customer deposit base expansion.
  • Equity Growth: Total common equity increased from approximately $218 million in Q2 2022 to about $450 million in Q1 2025, suggesting healthy capital accumulation and shareholder value growth.
  • Provision for Credit Losses: Provisions rose notably during some quarters, with $83.2 million in Q1 2024 and $55.8 million in Q1 2025, which could signal credit quality pressures.
  • Allowance for Loan Losses Increase: The allowance for loan and lease losses increased from $49.3 million in Q2 2022 to $183.2 million in Q1 2025, aligning with heightened credit risk management practices but warranting monitoring.
  • Capital Expenditures Consistent: Capital expenditures (property, leasehold improvements, and equipment purchases) are steady around $1-3 million per quarter, reflecting ongoing investment in infrastructure.
  • Rising Interest Expense: Total interest expense increased from $1.9 million in Q2 2022 to $28.8 million in Q1 2025, mainly due to rising deposit interest costs, which could pressure net interest margins if not balanced by asset yields.
  • Volatile Net Income: Net income attributable to common shareholders fluctuated, including a dip to $9.7 million in Q1 2025 after $45.2 million in Q4 2024, suggesting some volatility in profit margins.
  • Large Negative Other Investing Activities: Other investing activities showed large negative cash flows (e.g., -$845 million in Q1 2025), which could relate to asset sales or other one-time events negatively impacting cash flow stability.

Summary: Coastal Financial has demonstrated solid growth in revenue, interest income, and deposits over recent years, supported by increasing equity and operating cash flows. However, the rising interest expense and provision for credit losses indicate some pressure on profitability and credit risk. Investors should watch for how the company manages these costs and loan quality risks going forward, as well as any unusual investing activity impacting liquidity.

08/27/25 08:34 AMAI Generated. May Contain Errors.

Frequently Asked Questions About Coastal Financial's Financials

When does Coastal Financial's financial year end?

According to the most recent income statement we have on file, Coastal Financial's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Coastal Financial's net income changed over the last 7 years?

Coastal Financial's net income appears to be on an upward trend, with a most recent value of $45.22 million in 2024, rising from $5.44 million in 2017. The previous period was $44.58 million in 2023. Check out Coastal Financial's forecast to explore projected trends and price targets.

How has Coastal Financial's revenue changed over the last 7 years?

Over the last 7 years, Coastal Financial's total revenue changed from $36.45 million in 2017 to $880.08 million in 2024, a change of 2,314.6%.

How much debt does Coastal Financial have?

Coastal Financial's total liabilities were at $3.68 billion at the end of 2024, a 6.6% increase from 2023, and a 397.6% increase since 2017.

How much cash does Coastal Financial have?

In the past 7 years, Coastal Financial's cash and equivalents has ranged from $13.79 million in 2017 to $36.53 million in 2024, and is currently $36.53 million as of their latest financial filing in 2024.

How has Coastal Financial's book value per share changed over the last 7 years?

Over the last 7 years, Coastal Financial's book value per share changed from 7.12 in 2017 to 32.39 in 2024, a change of 355.2%.


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This page (NASDAQ:CCB) was last updated on 8/27/2025 by MarketBeat.com Staff
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