Coastal Financial (CCB) Financials

$45.97 -0.03 (-0.07%)

Closing price 09/18/2026 04:00 PM Eastern

Extended Trading

$46.00 +0.03 (+0.07%)

As of 09/18/2026 07:30 PM Eastern

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	2025
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	12/31/2025
Net Income / (Loss) Attributable to Common Shareholders	8.49	13	13	15	34	70	151	216	131
Consolidated Net Income / (Loss)	5.44	9.70	13	15	27	41	45	45	47
Net Income / (Loss) Continuing Operations	8.49	13	13	15	34	70	151	216	131
Total Pre-Tax Income	10	12	17	19	34	51	57	57	61
Total Revenue	36	44	50	66	119	407	629	880	763
Net Interest Income / (Expense)	29	35	42	57	79	172	232	273	310
Total Interest Income	32	39	49	63	83	192	323	397	430
Loans and Leases Interest Income	31	37	45	62	82	183	304	372	398
Investment Securities Interest Income	0.67	0.77	0.81	0.47	0.36	2.09	3.58	3.49	3.06
Deposits and Money Market Investments Interest Income	0.67	1.43	2.42	0.66	0.61	6.73	15	21	29
Total Interest Expense	2.88	3.93	6.58	5.65	3.65	20	92	124	120
Deposits Interest Expense	2.14	3.14	5.80	4.29	2.33	19	89	121	117
Long-Term Debt Interest Expense	0.74	0.79	0.77	1.36	1.32	1.39	2.64	2.82	2.64
Total Non-Interest Income	4.15	5.47	8.26	8.18	28	123	204	308	232
Other Service Charges	6.89	0.52	0.49	0.66	1.86	1.34	0.88	1.52	3.31
Net Realized & Unrealized Capital Gains on Investments	0.10	0.26	0.66	-0.32	3.13	-0.15	0.53	0.03	-0.41
Other Non-Interest Income	0.22	8.36	7.11	7.84	35	234	396	605	450
Provision for Credit Losses	0.87	1.83	2.54	8.31	9.92	79	184	278	193
Total Non-Interest Expense	22	26	31	38	63	165	195	246	288
Salaries and Employee Benefits	13	16	19	23	37	52	66	70	86
Net Occupancy & Equipment Expense	4.81	1.97	5.86	6.33	4.80	4.59	4.65	4.26	4.34
Marketing Expense	0.75	0.72	0.82	0.32	0.45	0.35	0.52	0.16	0.63
Other Operating Expenses	3.16	7.50	5.42	8.18	25	191	210	300	334
Income Tax Expense	4.65	2.54	3.46	4.00	7.37	10.00	13	12	14
Basic Earnings per Share	$0.59	$0.93	$1.11	$1.27	$2.25	$3.14	$3.36	$3.35	$3.12
Weighted Average Basic Shares Outstanding	9.23M	10.44M	11.90M	11.92M	12.02M	12.95M	13.26M	13.51M	15.05M
Diluted Earnings per Share	$0.59	$0.91	$1.08	$1.24	$2.16	$3.01	$3.27	$3.26	$3.06
Weighted Average Diluted Shares Outstanding	9.24M	10.61M	12.20M	12.21M	12.52M	13.51M	13.64M	13.88M	15.35M
Weighted Average Basic & Diluted Shares Outstanding	-	11.90M	11.93M	11.98M	12.92M	13.22M	13.38M	15.01M	15.21M

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	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Period end date	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026	6/30/2026
Net Income / (Loss) Attributable to Common Shareholders	50	64	47	56	45	37	17	44	34	37	17
Consolidated Net Income / (Loss)	9.01	6.80	12	13	13	9.73	11	14	13	12	-42
Net Income / (Loss) Continuing Operations	50	64	47	56	45	37	17	44	34	37	17
Total Pre-Tax Income	12	8.72	15	16	17	12	14	18	17	15	-55
Total Revenue	174	232	202	227	214	201	160	209	194	213	238
Net Interest Income / (Expense)	53	62	66	72	74	76	77	78	79	83	89
Total Interest Income	81	92	97	105	104	105	108	109	108	112	89
Loans and Leases Interest Income	74	86	91	100	97	98	99	100	100	103	111
Investment Securities Interest Income	1.40	1.07	0.86	0.71	0.85	0.69	0.85	0.65	0.87	0.67	0.85
Deposits and Money Market Investments Interest Income	5.69	4.78	5.68	4.78	6.02	6.07	8.09	8.01	6.81	8.13	6.61
Other Interest Income	-	-	-	-	-	-	-	-	-	-	-29
Total Interest Expense	29	30	31	33	30	29	31	31	29	28	29
Deposits Interest Expense	28	29	31	32	29	28	30	30	28	28	28
Long-Term Debt Interest Expense	0.67	0.67	0.67	0.81	0.67	0.66	0.66	0.66	0.66	0.65	1.14
Total Non-Interest Income	62	86	69	79	71	63	43	67	59	66	89
Other Service Charges	0.06	0.31	0.26	0.49	0.47	0.68	0.50	0.77	1.00	0.41	1.68
Net Realized & Unrealized Capital Gains on Investments	0.08	0.02	0.01	0.00	0.00	0.02	-0.44	0.01	-	0.13	-0.03
Other Non-Interest Income	121	170	136	155	140	124	83	130	114	129	176
Provision for Credit Losses	61	83	62	70	62	56	32	57	48	51	92
Total Non-Interest Expense	41	57	58	64	66	72	73	70	73	83	141
Other Operating Expenses	45	64	71	80	89	83	85	83	83	98	141
Income Tax Expense	2.85	1.92	3.43	2.93	3.83	2.04	3.36	4.32	4.54	2.57	-13
Basic Earnings per Share	$0.68	$0.51	$0.86	$1.00	$0.98	$0.65	$0.73	$0.90	$0.84	$0.79	($2.76)
Weighted Average Basic Shares Outstanding	13.26M	13.34M	13.41M	13.45M	13.51M	14.96M	15.03M	15.09M	15.05M	15.18M	15.24M
Diluted Earnings per Share	$0.66	$0.50	$0.84	$0.97	$0.95	$0.63	$0.71	$0.88	$0.84	$0.78	($2.76)
Weighted Average Diluted Shares Outstanding	13.64M	13.68M	13.74M	13.82M	13.88M	15.46M	15.45M	15.44M	15.35M	15.42M	15.24M
Weighted Average Basic & Diluted Shares Outstanding	13.38M	13.42M	13.46M	13.54M	15.01M	15.03M	15.11M	15.12M	15.21M	15.25M	15.29M

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	2025
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	12/31/2025
Net Change in Cash & Equivalents	5.51	9.20	3.59	-25	650	-471	141	-31	284
Net Cash From Operating Activities	7.62	14	14	19	30	67	192	260	255
Net Cash From Continuing Operating Activities	7.62	14	14	19	30	67	192	260	255
Net Income / (Loss) Continuing Operations	5.44	9.70	13	15	27	41	45	45	47
Consolidated Net Income / (Loss)	5.44	9.70	13	15	27	41	45	45	47
Provision For Loan Losses	0.87	1.83	2.54	8.31	9.92	79	184	278	193
Depreciation Expense	0.99	1.07	1.24	1.36	1.59	1.81	2.33	4.55	6.52
Amortization Expense	-0.00	-0.02	-0.06	0.05	0.03	-0.05	-0.03	0.01	0.01
Non-Cash Adjustments to Reconcile Net Income	1.29	-0.49	-0.95	-0.31	-14	-8.67	-38	-65	13
Changes in Operating Assets and Liabilities, net	-0.97	2.32	-2.30	-5.21	5.05	-46	-1.38	-3.07	-4.55
Net Cash From Investing Activities	-62	-139	-165	-667	-240	-988	-594	-609	-526
Net Cash From Continuing Investing Activities	-62	-139	-165	-667	-240	-988	-594	-609	-526
Purchase of Property, Leasehold Improvements and Equipment	-1.06	-1.15	-1.21	-5.37	-2.59	-2.84	-6.25	-9.90	-8.44
Purchase of Investment Securities	-68	-141	-210	-702	-184	-303	-141	-203	18
Sale and/or Maturity of Investments	7.20	3.32	47	41	84	231	601	1,628	6,640
Other Investing Activities, net	-	-	-	-	-142	-913	-1,047	-2,025	-7,176
Net Cash From Financing Activities	60	134	154	622	860	450	543	318	556
Net Cash From Continuing Financing Activities	60	134	154	622	860	450	543	318	556
Net Change in Deposits	55	100	164	453	967	454	543	225	559
Issuance of Common Equity	0.00	33	-	0.00	32	0.00	0.00	92	0.08
Other Financing Activities, Net	0.02	0.36	0.12	0.20	-153	1.47	0.62	1.40	-3.43
Cash Interest Paid	2.87	3.88	6.55	6.55	3.82	20	91	124	119
Cash Income Taxes Paid	3.82	2.52	4.48	5.36	8.76	23	6.84	11	9.47

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	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Period end date	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026	6/30/2026
Net Change in Cash & Equivalents	8.18	32	-28	-3.22	-32	172	95	-78	95	758	-487
Net Cash From Operating Activities	45	57	73	63	62	72	66	59	58	76	77
Net Cash From Continuing Operating Activities	45	57	73	63	62	72	66	59	58	76	77
Net Income / (Loss) Continuing Operations	9.01	6.80	12	13	13	9.73	11	14	13	12	-42
Consolidated Net Income / (Loss)	9.01	6.80	12	13	13	9.73	11	14	13	12	-42
Provision For Loan Losses	61	83	62	70	62	56	32	57	48	51	92
Depreciation Expense	0.77	0.88	1.08	1.16	1.43	1.55	1.67	1.60	1.69	1.67	6.41
Amortization Expense	-0.01	0.01	-0.00	0.00	0.00	0.00	0.01	0.00	-0.00	0.02	0.01
Non-Cash Adjustments to Reconcile Net Income	0.68	-32	-5.44	-23	-8.61	0.60	18	-5.21	-0.83	-0.38	32
Changes in Operating Assets and Liabilities, net	-26	-2.35	2.99	1.54	-6.08	4.02	2.91	-7.54	-3.73	11	-12
Net Cash From Investing Activities	-108	-128	-181	-151	-143	-105	-92	-195	-134	-213	-384
Net Cash From Continuing Investing Activities	-108	-128	-181	-151	-143	-105	-92	-195	-134	-213	-384
Purchase of Property, Leasehold Improvements and Equipment	-2.33	-1.79	-2.62	-2.47	-3.03	-2.76	-2.08	-1.67	-1.93	-1.84	-2.21
Purchase of Investment Securities	-8.81	-21	-0.43	-0.09	-181	-1.77	-0.02	8.81	9.45	15	-57
Sale and/or Maturity of Investments	127	201	156	424	847	745	1,301	1,621	2,975	3,281	4,562
Other Investing Activities, net	-224	-306	-335	-573	-806	-845	-1,390	-1,824	-3,116	-3,507	-4,888
Net Cash From Financing Activities	71	103	81	85	50	205	121	59	171	896	-179
Net Cash From Continuing Financing Activities	71	103	81	85	50	205	121	59	171	896	-179
Net Change in Deposits	71	103	80	84	-42	206	122	59	172	897	-179
Other Financing Activities, Net	0.02	0.29	0.29	0.70	0.12	-1.13	-1.23	-0.07	-0.99	-1.22	-0.11
Cash Interest Paid	29	29	31	33	30	29	31	31	28	27	30
Cash Income Taxes Paid	1.65	0.10	3.53	3.81	3.11	0.11	6.48	3.16	-0.27	0.01	6.43

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	2025
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	12/31/2025
Total Assets	806	952	1,129	1,766	2,636	3,144	3,750	4,121	4,741
Cash and Due from Banks	14	16	17	19	14	33	31	37	34
Interest Bearing Deposits at Other Banks	76	109	111	144	799	309	452	416	703
Trading Account Securities	38	38	33	23	37	98	150	47	48
Loans and Leases, Net of Allowance	649	758	928	1,528	1,714	2,553	2,904	3,310	3,580
Loans and Leases	657	768	939	1,547	1,743	2,627	3,022	3,487	3,750
Allowance for Loan and Lease Losses	8.02	9.41	11	19	29	74	117	177	170
Loans Held for Sale	-	-	-	-	-	-	0.00	21	71
Accrued Investment Income	2.27	2.53	2.98	8.62	8.11	18	23	21	19
Premises and Equipment, Net	13	13	13	17	17	18	22	27	29
Intangible Assets	-	-	-	-	-	-	-	0.00	4.54
Other Assets	14	14	24	26	1,759	115	167	243	253
Total Liabilities & Shareholders' Equity	806	952	1,129	1,766	2,636	3,144	3,750	4,121	4,741
Total Liabilities	740	843	1,004	1,626	2,434	2,901	3,455	3,683	4,250
Non-Interest Bearing Deposits	703	804	968	1,421	2,364	2,818	3,360	3,585	4,144
Accrued Interest Payable	0.23	0.28	0.31	0.53	0.36	0.68	0.89	0.96	1.44
Long-Term Debt	34	34	24	192	53	48	48	48	48
Other Long-Term Liabilities	2.99	5.52	13	12	17	35	46	43	57
Total Equity & Noncontrolling Interests	66	109	124	140	201	243	295	439	491
Total Preferred & Common Equity	66	109	124	140	201	243	295	439	491
Preferred Stock	0.00	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	491
Common Stock	53	86	87	88	122	126	130	228	233
Retained Earnings	14	24	37	52	79	120	165	211	258
Accumulated Other Comprehensive Income / (Loss)	-0.94	-1.30	-0.03	0.03	0.00	-2.33	-0.47	-0.00	-0.00

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	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026	Q2 2026
Period end date	3/31/2023	6/30/2023	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025	6/30/2025	9/30/2025	3/31/2026	6/30/2026
Total Assets	3,451	3,535	3,678	3,865	3,962	4,066	4,339	4,481	4,553	5,664	5,456
Cash and Due from Banks	38	30	30	33	60	45	43	30	35	53	48
Interest Bearing Deposits at Other Banks	356	245	445	482	427	439	581	690	607	1,443	960
Trading Account Securities	102	111	141	50	49	49	47	46	44	46	45
Loans and Leases, Net of Allowance	2,748	2,897	2,866	3,060	3,179	3,249	3,334	3,376	3,530	3,687	3,995
Loans and Leases	2,837	3,008	2,967	3,200	3,326	3,419	3,517	3,540	3,704	3,859	4,208
Allowance for Loan and Lease Losses	89	111	101	139	148	170	183	165	174	172	214
Loans Held for Sale	27	36	0.00	0.80	0.00	7.57	42	60	43	124	108
Accrued Investment Income	19	22	23	25	24	24	21	21	20	20	21
Premises and Equipment, Net	18	19	21	23	25	26	29	29	29	30	26
Intangible Assets	-	-	-	-	-	-	-	-	-	4.43	4.21
Other Assets	2,877	176	152	191	198	228	242	229	244	257	249
Total Liabilities & Shareholders' Equity	3,451	3,535	3,678	3,865	3,962	4,066	4,339	4,481	4,553	5,664	5,456
Total Liabilities	3,192	3,263	3,394	3,562	3,645	3,734	3,889	4,019	4,078	5,160	4,993
Non-Interest Bearing Deposits	3,095	3,163	3,290	3,463	3,543	3,627	3,791	3,914	3,973	5,041	4,862
Accrued Interest Payable	0.87	0.77	1.06	1.06	1.00	1.07	1.11	0.95	1.11	2.67	2.18
Long-Term Debt	48	48	48	48	48	48	48	48	48	48	48
Other Long-Term Liabilities	49	52	55	50	47	58	49	56	56	68	81
Total Equity & Noncontrolling Interests	259	273	284	304	317	332	450	462	475	504	463
Total Preferred & Common Equity	259	273	284	304	317	332	450	462	475	504	463
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	259	273	284	304	317	332	450	462	475	504	463
Common Stock	127	128	129	132	133	135	230	230	230	234	236
Retained Earnings	133	146	156	172	184	197	220	231	245	270	227
Accumulated Other Comprehensive Income / (Loss)	-1.81	-1.68	-1.09	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00

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	2025
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	12/31/2025
DEI Shares Outstanding	-	-	-	-	-	-	-	-	15,121,263.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	15,121,263.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	3.11
Growth Metrics	-	-	-	-	-	-	-	-	-
Revenue Growth	0.00%	20.62%	14.34%	30.43%	81.55%	242.11%	54.53%	39.84%	-13.27%
EBITDA Growth	0.00%	20.03%	5.16%	15.13%	131.12%	247.32%	53.46%	42.54%	-19.78%
EBIT Growth	0.00%	21.12%	4.65%	14.88%	139.59%	255.75%	53.71%	42.03%	-20.58%
NOPAT Growth	0.00%	78.46%	36.08%	14.73%	78.30%	50.44%	9.73%	1.44%	3.92%
Net Income Growth	0.00%	78.46%	36.08%	14.73%	78.30%	50.44%	9.73%	1.44%	3.92%
EPS Growth	0.00%	54.24%	18.68%	14.81%	74.19%	39.35%	8.64%	-0.31%	-6.14%
Operating Cash Flow Growth	0.00%	89.08%	-5.08%	41.39%	54.41%	124.81%	185.46%	35.63%	-2.00%
Free Cash Flow Firm Growth	0.00%	0.00%	124.19%	-2,176.74%	162.15%	-96.55%	-293.79%	-1,298.99%	94.51%
Invested Capital Growth	0.00%	43.79%	3.53%	125.07%	-23.58%	14.56%	17.74%	41.98%	10.77%
Revenue Q/Q Growth	0.00%	0.00%	-5.94%	9.33%	38.45%	24.40%	6.49%	3.15%	-3.09%
EBITDA Q/Q Growth	0.00%	0.00%	-19.63%	7.47%	51.71%	36.27%	1.65%	3.53%	-5.12%
EBIT Q/Q Growth	0.00%	0.00%	-20.86%	7.52%	54.40%	36.76%	1.54%	3.37%	-5.32%
NOPAT Q/Q Growth	0.00%	0.00%	4.37%	7.47%	10.79%	16.75%	-8.43%	10.66%	-1.52%
Net Income Q/Q Growth	0.00%	0.00%	4.37%	7.47%	1.59%	24.65%	-8.43%	10.66%	-1.52%
EPS Q/Q Growth	0.00%	0.00%	3.85%	7.83%	9.64%	15.33%	-8.66%	9.76%	-3.47%
Operating Cash Flow Q/Q Growth	0.00%	32.27%	-8.13%	12.17%	0.44%	38.10%	11.81%	4.71%	-3.96%
Free Cash Flow Firm Q/Q Growth	0.00%	0.00%	0.00%	18.58%	-43.58%	145.91%	73.68%	-1,357.70%	94.35%
Invested Capital Q/Q Growth	0.00%	0.00%	-4.06%	-11.66%	18.77%	13.41%	3.18%	28.12%	3.00%
Profitability Metrics	-	-	-	-	-	-	-	-	-
EBITDA Margin	38.78%	38.60%	35.50%	31.33%	39.89%	40.49%	40.21%	40.99%	37.91%
EBIT Margin	36.07%	36.21%	33.15%	29.19%	38.53%	40.06%	39.85%	40.47%	37.06%
Profit (Net Income) Margin	14.91%	22.07%	26.26%	23.10%	22.69%	9.98%	7.08%	5.14%	6.16%
Tax Burden Percent	53.88%	79.24%	79.23%	79.13%	78.56%	80.25%	78.03%	78.89%	76.73%
Interest Burden Percent	76.75%	76.89%	100.00%	100.00%	74.96%	31.03%	22.78%	16.09%	21.65%
Effective Tax Rate	46.12%	20.76%	20.77%	20.87%	21.44%	19.75%	21.97%	21.11%	23.27%
Return on Invested Capital (ROIC)	5.48%	8.02%	9.09%	6.31%	9.21%	14.90%	14.07%	10.91%	9.16%
ROIC Less NNEP Spread (ROIC-NNEP)	5.48%	8.02%	9.09%	6.31%	9.21%	14.90%	14.07%	10.91%	9.16%
Return on Net Nonoperating Assets (RNNOA)	2.80%	3.08%	2.22%	5.15%	6.61%	3.37%	2.49%	1.42%	0.95%
Return on Equity (ROE)	8.27%	11.10%	11.32%	11.46%	15.82%	18.27%	16.56%	12.33%	10.11%
Cash Return on Invested Capital (CROIC)	0.00%	-27.91%	5.62%	-70.64%	35.94%	1.34%	-2.23%	-23.79%	-1.06%
Operating Return on Assets (OROA)	1.63%	1.81%	1.60%	1.32%	2.08%	5.65%	7.27%	9.05%	6.38%
Return on Assets (ROA)	0.67%	1.10%	1.27%	1.05%	1.23%	1.41%	1.29%	1.15%	1.06%
Return on Common Equity (ROCE)	8.27%	11.10%	11.32%	11.46%	15.82%	18.27%	16.56%	12.33%	10.11%
Return on Equity Simple (ROE_SIMPLE)	8.27%	8.89%	10.63%	10.80%	13.42%	16.68%	15.11%	10.31%	9.57%
Net Operating Profit after Tax (NOPAT)	5.44	9.70	13	15	27	41	45	45	47
NOPAT Margin	14.91%	22.07%	26.26%	23.10%	22.69%	9.98%	7.08%	5.14%	6.16%
Net Nonoperating Expense Percent (NNEP)	0.00%	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%	11.89%
Operating Expenses to Revenue	61.55%	59.63%	61.79%	58.14%	53.15%	40.52%	30.92%	27.99%	37.71%
Earnings before Interest and Taxes (EBIT)	13	16	17	19	46	163	251	356	283
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	14	17	18	21	47	165	253	361	289
Valuation Ratios	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.63	1.66	1.58	1.79	3.02	2.53	2.00	2.62	3.53
Price to Tangible Book Value (P/TBV)	0.63	1.66	1.58	1.79	3.02	2.53	2.00	2.62	3.56
Price to Revenue (P/Rev)	1.13	4.12	3.90	3.83	5.11	1.51	0.94	1.31	2.27
Price to Earnings (P/E)	4.87	13.53	14.86	16.57	17.88	8.76	3.90	5.33	13.18
Dividend Yield	0.00%	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%	7.59%
Enterprise Value to Invested Capital (EV/IC)	0.00	0.62	0.62	0.84	0.00	1.10	0.45	1.53	1.94
Enterprise Value to Revenue (EV/Rev)	0.00	2.02	1.83	4.27	0.00	0.79	0.25	0.85	1.37
Enterprise Value to EBITDA (EV/EBITDA)	0.00	5.23	5.15	13.64	0.00	1.95	0.61	2.07	3.61
Enterprise Value to EBIT (EV/EBIT)	0.00	5.58	5.52	14.64	0.00	1.97	0.62	2.09	3.69
Enterprise Value to NOPAT (EV/NOPAT)	0.00	9.15	6.97	18.50	0.00	7.91	3.49	16.48	22.21
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	6.17	6.73	14.49	0.00	4.79	0.81	2.87	4.10
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	11.26	0.00	0.00	88.32	0.00	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	0.10
Long-Term Debt to Equity	0.51	0.31	0.19	1.37	0.26	0.20	0.16	0.11	0.10
Financial Leverage	0.51	0.38	0.24	0.82	0.72	0.23	0.18	0.13	0.10
Leverage Ratio	12.26	10.05	8.92	10.95	12.89	13.00	12.80	10.73	9.53
Compound Leverage Factor	9.41	7.73	8.92	10.95	9.66	4.03	2.92	1.73	2.06
Debt to Total Capital	33.79%	23.51%	15.95%	57.83%	20.81%	16.35%	13.93%	9.84%	8.91%
Short-Term Debt to Total Capital	0.00%	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%	8.91%
Preferred Equity to Total Capital	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%
Common Equity to Total Capital	66.21%	76.49%	84.05%	42.17%	79.19%	83.65%	86.07%	90.16%	91.09%
Debt to EBITDA	2.37	1.98	1.32	9.36	1.11	0.29	0.19	0.13	0.17
Net Debt to EBITDA	-3.98	-5.44	-5.84	1.42	-16.01	-1.79	-1.72	-1.12	-2.38
Long-Term Debt to EBITDA	2.37	1.98	1.32	9.36	1.11	0.29	0.19	0.13	0.17
Debt to NOPAT	6.17	3.46	1.78	12.70	1.96	1.17	1.07	1.06	1.02
Net Debt to NOPAT	-10.34	-9.51	-7.90	1.93	-28.15	-7.25	-9.77	-8.95	-14.66
Long-Term Debt to NOPAT	6.17	3.46	1.78	12.70	1.96	1.17	1.07	1.06	1.02
Noncontrolling Interest Sharing Ratio	0.00%	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	-5.41
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%	3,017.83%
Free Cash Flow to Firm to Interest Expense	0.00	-8.60	1.24	-30.01	28.91	0.18	-0.08	-0.80	-0.05
Operating Cash Flow to Interest Expense	2.65	3.67	2.08	3.42	8.19	3.29	2.09	2.10	2.13
Operating Cash Flow Less CapEx to Interest Expense	2.28	3.38	1.89	2.47	8.60	3.15	2.02	2.02	2.06
Efficiency Ratios	-	-	-	-	-	-	-	-	-
Asset Turnover	0.05	0.05	0.05	0.05	0.05	0.14	0.18	0.22	0.17
Fixed Asset Turnover	2.78	3.34	3.83	4.34	6.94	22.99	31.23	35.54	26.90
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-
Invested Capital	99	143	148	333	254	291	343	487	539
Invested Capital Turnover	0.37	0.36	0.35	0.27	0.41	1.49	1.99	2.12	1.49
Increase / (Decrease) in Invested Capital	0.00	43	5.03	185	-78	37	52	144	52
Enterprise Value (EV)	-15	89	92	280	-152	321	155	745	1,044
Market Capitalization	41	181	196	251	608	616	591	1,150	1,733
Book Value per Share	$7.12	$9.18	$10.42	$11.73	$16.75	$18.79	$22.17	$32.39	$32.47
Tangible Book Value per Share	$7.12	$9.18	$10.42	$11.73	$16.75	$18.79	$22.17	$32.39	$32.17
Total Capital	99	143	148	333	254	291	343	487	539
Total Debt	34	34	24	192	53	48	48	48	48
Total Long-Term Debt	34	34	24	192	53	48	48	48	48
Net Debt	-56	-92	-104	29	-760	-295	-435	-405	-689
Capital Expenditures (CapEx)	1.06	1.15	1.21	5.37	-1.50	2.84	6.25	9.90	8.44
Net Nonoperating Expense (NNE)	0.00	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	48
Total Depreciation and Amortization (D&A)	0.99	1.05	1.18	1.40	1.62	1.76	2.30	4.56	6.53
Earnings Adjustments	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.59	$0.93	$1.11	$1.27	$2.25	$3.14	$3.36	$3.35	$3.12
Adjusted Weighted Average Basic Shares Outstanding	9.23M	10.44M	11.90M	11.92M	12.02M	12.95M	13.26M	13.51M	15.05M
Adjusted Diluted Earnings per Share	$0.59	$0.91	$1.08	$1.24	$2.16	$3.01	$3.27	$3.26	$3.06
Adjusted Weighted Average Diluted Shares Outstanding	9.24M	10.61M	12.20M	12.21M	12.52M	13.51M	13.64M	13.88M	15.35M
Adjusted Basic & Diluted Earnings per Share	$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	0.00	11.90M	11.93M	11.98M	12.92M	13.22M	13.38M	15.01M	15.21M
Normalized Net Operating Profit after Tax (NOPAT)	5.44	9.70	13	15	27	41	45	45	47
Normalized NOPAT Margin	14.91%	22.07%	26.26%	23.10%	22.69%	9.98%	7.08%	5.14%	6.16%
Pre Tax Income Margin	27.68%	27.85%	33.15%	29.19%	28.88%	12.43%	9.08%	6.51%	8.02%
Debt Service Ratios	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	4.57	4.06	2.53	3.39	12.58	8.00	2.74	2.88	2.37
NOPAT to Interest Expense	1.89	2.47	2.01	2.68	7.41	1.99	0.49	0.37	0.39
EBIT Less CapEx to Interest Expense	4.20	3.76	2.35	2.44	12.99	7.86	2.67	2.80	2.30
NOPAT Less CapEx to Interest Expense	1.52	2.18	1.82	1.73	7.82	1.85	0.42	0.29	0.32
Payout Ratios	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	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%

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

Metric	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Period end date	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026	6/30/2026
DEI Shares Outstanding	-	-	-	-	-	-	-	-	15,121,263.00	15,208,963.00	15,248,808.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	15,121,263.00	15,208,963.00	15,248,808.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	0.84	0.79	-2.76
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	31.69%	53.88%	16.00%	78.26%	23.10%	-13.57%	-20.96%	-8.17%	-11.14%	6.32%	48.27%
EBITDA Growth	8.79%	48.28%	16.30%	107.75%	21.26%	-20.28%	-31.97%	-10.90%	-17.28%	7.70%	-81.11%
EBIT Growth	8.41%	47.95%	15.58%	107.95%	20.55%	-21.20%	-33.12%	-11.51%	-17.85%	7.69%	-92.16%
NOPAT Growth	-31.30%	-45.12%	-10.15%	31.02%	48.32%	43.09%	-4.90%	1.01%	-5.42%	23.53%	-450.34%
Net Income Growth	-31.30%	-45.12%	-10.15%	31.02%	48.32%	43.09%	-4.90%	1.01%	-5.42%	23.53%	-481.80%
EPS Growth	-31.96%	-45.05%	-11.58%	29.33%	43.94%	26.00%	-15.48%	-9.28%	-11.58%	23.81%	-488.73%
Operating Cash Flow Growth	80.68%	21.73%	110.39%	-2.70%	36.79%	26.28%	-8.38%	-5.72%	-15.37%	5.98%	16.38%
Free Cash Flow Firm Growth	-78.56%	34.17%	47.31%	47.59%	-206.22%	-256.75%	-311.63%	-280.11%	69.53%	69.28%	69.79%
Invested Capital Growth	17.74%	14.72%	13.79%	14.34%	41.98%	41.64%	39.83%	37.79%	10.77%	10.85%	0.37%
Revenue Q/Q Growth	34.69%	33.59%	-12.25%	12.76%	-6.99%	-6.20%	-20.30%	30.64%	-7.15%	9.98%	11.40%
EBITDA Q/Q Growth	57.54%	29.22%	-10.86%	13.54%	-8.05%	-15.04%	-24.02%	48.10%	-10.67%	7.15%	-86.59%
EBIT Q/Q Growth	57.95%	29.35%	-11.17%	13.62%	-8.43%	-15.44%	-24.70%	49.70%	-10.99%	7.32%	-94.48%
NOPAT Q/Q Growth	-12.25%	-24.55%	70.53%	16.04%	-0.66%	-27.21%	13.34%	23.25%	-6.98%	-4.94%	-421.46%
Net Income Q/Q Growth	-12.25%	-24.55%	70.53%	16.04%	-0.66%	-27.21%	13.34%	23.25%	-6.98%	-4.94%	-450.32%
EPS Q/Q Growth	-12.00%	-24.24%	68.00%	15.48%	-2.06%	-33.68%	12.70%	23.94%	-4.55%	-7.14%	-453.85%
Operating Cash Flow Q/Q Growth	-30.43%	25.30%	17.21%	-12.67%	-2.19%	15.67%	-7.88%	-10.59%	-2.07%	31.40%	1.16%
Free Cash Flow Firm Q/Q Growth	34.64%	10.14%	14.91%	-4.88%	-281.87%	-4.69%	1.82%	3.15%	69.39%	-5.57%	3.46%
Invested Capital Q/Q Growth	3.18%	2.56%	3.71%	4.19%	28.12%	2.31%	2.38%	2.67%	3.00%	2.38%	-7.30%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	41.56%	40.20%	41.13%	41.41%	40.94%	37.08%	35.35%	40.07%	38.56%	37.56%	4.52%
EBIT Margin	41.12%	39.82%	40.60%	40.91%	40.27%	36.31%	34.30%	39.31%	37.68%	36.77%	1.82%
Profit (Net Income) Margin	5.19%	2.93%	5.69%	5.85%	6.25%	4.85%	6.90%	6.51%	6.52%	5.64%	-17.72%
Tax Burden Percent	75.99%	78.03%	77.20%	82.14%	77.72%	82.67%	76.65%	75.90%	73.59%	82.41%	76.29%
Interest Burden Percent	16.60%	9.43%	18.15%	17.42%	19.97%	16.16%	26.23%	21.81%	23.51%	18.60%	-1,275.87%
Effective Tax Rate	24.01%	21.97%	22.80%	17.86%	22.28%	17.33%	23.35%	24.10%	26.41%	17.59%	0.00%
Return on Invested Capital (ROIC)	10.30%	6.33%	12.49%	14.03%	13.27%	9.69%	12.72%	11.35%	9.70%	8.33%	-27.17%
ROIC Less NNEP Spread (ROIC-NNEP)	10.30%	6.33%	12.49%	14.03%	13.27%	9.69%	12.72%	11.35%	9.70%	8.33%	-34.40%
Return on Net Nonoperating Assets (RNNOA)	1.82%	1.07%	2.02%	2.17%	1.73%	1.23%	1.57%	1.35%	1.00%	0.84%	-3.57%
Return on Equity (ROE)	12.13%	7.40%	14.52%	16.20%	15.00%	10.92%	14.29%	12.70%	10.71%	9.17%	-30.75%
Cash Return on Invested Capital (CROIC)	-2.23%	-1.86%	-1.90%	-1.90%	-23.79%	-23.13%	-22.33%	-21.21%	-1.06%	-0.90%	-1.13%
Operating Return on Assets (OROA)	7.51%	7.74%	8.15%	9.01%	9.01%	7.51%	6.55%	7.18%	6.49%	5.70%	0.31%
Return on Assets (ROA)	0.95%	0.57%	1.14%	1.29%	1.40%	1.00%	1.32%	1.19%	1.12%	0.87%	-3.04%
Return on Common Equity (ROCE)	12.13%	7.40%	14.52%	16.20%	15.00%	10.92%	14.29%	12.70%	10.71%	9.17%	-30.75%
Return on Equity Simple (ROE_SIMPLE)	0.00%	12.84%	11.90%	12.31%	0.00%	10.70%	10.31%	10.04%	0.00%	9.78%	-0.83%
Net Operating Profit after Tax (NOPAT)	9.01	6.80	12	13	13	9.73	11	14	13	12	-39
NOPAT Margin	5.19%	2.93%	5.69%	5.85%	6.25%	4.85%	6.90%	6.51%	6.52%	5.64%	-16.26%
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%	7.22%
SG&A Expenses to Revenue	8.67%	8.46%	9.59%	8.82%	6.67%	11.33%	14.03%	10.26%	12.45%	11.47%	0.00%
Operating Expenses to Revenue	23.89%	24.35%	28.84%	28.54%	30.80%	35.89%	45.55%	33.60%	37.54%	39.13%	59.39%
Earnings before Interest and Taxes (EBIT)	71	92	83	94	86	73	55	82	73	78	4.33
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	72	93	84	95	88	74	57	84	75	80	11
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	2.00	1.71	1.96	2.19	2.62	3.02	3.15	3.44	3.53	2.30	2.55
Price to Tangible Book Value (P/TBV)	2.00	1.71	1.96	2.19	2.62	3.02	3.15	3.44	3.56	2.32	2.57
Price to Revenue (P/Rev)	0.94	0.73	0.82	0.85	1.31	1.60	1.81	2.08	2.27	1.49	1.39
Price to Earnings (P/E)	3.90	2.97	3.52	3.36	5.33	7.18	9.17	11.16	13.18	8.80	8.97
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	25.61%	33.69%	28.41%	29.73%	18.75%	13.92%	10.90%	8.96%	7.59%	11.36%	11.14%
Enterprise Value to Invested Capital (EV/IC)	0.45	0.15	0.49	0.76	1.53	1.57	1.54	1.99	1.94	0.00	0.43
Enterprise Value to Revenue (EV/Rev)	0.25	0.07	0.24	0.34	0.85	0.92	0.97	1.32	1.37	0.00	0.26
Enterprise Value to EBITDA (EV/EBITDA)	0.61	0.19	0.60	0.83	2.07	2.28	2.49	3.41	3.61	0.00	0.89
Enterprise Value to EBIT (EV/EBIT)	0.62	0.19	0.61	0.84	2.09	2.32	2.53	3.48	3.69	0.00	0.93
Enterprise Value to NOPAT (EV/NOPAT)	3.49	1.35	4.77	7.10	16.48	16.21	16.47	21.80	22.21	0.00	0.00
Enterprise Value to Operating Cash Flow (EV/OCF)	0.81	0.26	0.72	1.17	2.87	2.84	2.92	3.92	4.10	0.00	0.82
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.16	0.16	0.15	0.14	0.11	0.11	0.10	0.10	0.10	0.10	0.10
Long-Term Debt to Equity	0.16	0.16	0.15	0.14	0.11	0.11	0.10	0.10	0.10	0.10	0.10
Financial Leverage	0.18	0.17	0.16	0.16	0.13	0.13	0.12	0.12	0.10	0.10	0.10
Leverage Ratio	12.80	13.01	12.72	12.56	10.73	10.89	10.85	10.68	9.53	10.49	10.74
Compound Leverage Factor	2.13	1.23	2.31	2.19	2.14	1.76	2.85	2.33	2.24	1.95	-137.04
Debt to Total Capital	13.93%	13.59%	13.12%	12.60%	9.84%	9.63%	9.41%	9.17%	8.91%	8.71%	9.41%
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	13.93%	13.59%	13.12%	12.60%	9.84%	9.63%	9.41%	9.17%	8.91%	8.71%	9.41%
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	86.07%	86.41%	86.88%	87.40%	90.16%	90.37%	90.59%	90.83%	91.09%	91.29%	90.60%
Debt to EBITDA	0.19	0.17	0.16	0.14	0.13	0.14	0.15	0.16	0.17	0.16	0.19
Net Debt to EBITDA	-1.72	-1.65	-1.47	-1.25	-1.12	-1.69	-2.13	-1.95	-2.38	-4.90	-3.86
Long-Term Debt to EBITDA	0.19	0.17	0.16	0.14	0.13	0.14	0.15	0.16	0.17	0.16	0.19
Debt to NOPAT	1.07	1.23	1.27	1.17	1.06	1.00	1.01	1.01	1.02	0.98	-12.45
Net Debt to NOPAT	-9.77	-11.99	-11.66	-10.67	-8.95	-11.97	-14.12	-12.45	-14.66	-29.37	248.49
Long-Term Debt to NOPAT	1.07	1.23	1.27	1.17	1.06	1.00	1.01	1.01	1.02	0.98	-12.45
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	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)	-43	-38	-33	-34	-131	-137	-134	-130	-40	-42	-41
Operating Cash Flow to CapEx	1,945.21%	3,178.28%	2,767.01%	2,570.47%	2,047.34%	2,595.37%	3,174.81%	3,546.13%	2,997.46%	4,126.78%	3,482.28%
Free Cash Flow to Firm to Interest Expense	-1.49	-1.30	-1.04	-1.04	-4.34	-4.74	-4.32	-4.17	-1.39	-1.48	-1.39
Operating Cash Flow to Interest Expense	1.58	1.92	2.32	1.93	2.06	2.49	2.13	1.90	2.03	2.68	2.63
Operating Cash Flow Less CapEx to Interest Expense	1.50	1.86	2.24	1.85	1.96	2.39	2.06	1.84	1.96	2.62	2.56
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.18	0.19	0.20	0.22	0.22	0.21	0.19	0.18	0.17	0.16	0.17
Fixed Asset Turnover	31.23	34.64	34.64	36.80	35.54	32.87	30.09	28.67	26.90	26.60	31.15
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	343	351	365	380	487	498	510	523	539	552	512
Invested Capital Turnover	1.99	2.16	2.20	2.40	2.12	2.00	1.84	1.74	1.49	1.48	1.67
Increase / (Decrease) in Invested Capital	52	45	44	48	144	146	145	143	52	54	1.89
Enterprise Value (EV)	155	53	180	290	745	780	784	1,040	1,044	-290	222
Market Capitalization	591	520	619	727	1,150	1,357	1,456	1,634	1,733	1,157	1,182
Book Value per Share	$22.17	$22.69	$23.60	$24.67	$32.39	$29.98	$30.73	$31.46	$32.47	$33.12	$30.39
Tangible Book Value per Share	$22.17	$22.69	$23.60	$24.67	$32.39	$29.98	$30.73	$31.46	$32.17	$32.83	$30.12
Total Capital	343	351	365	380	487	498	510	523	539	552	512
Total Debt	48	48	48	48	48	48	48	48	48	48	48
Total Long-Term Debt	48	48	48	48	48	48	48	48	48	48	48
Net Debt	-435	-467	-439	-436	-405	-576	-672	-594	-689	-1,447	-960
Capital Expenditures (CapEx)	2.33	1.79	2.62	2.47	3.03	2.76	2.08	1.67	1.93	1.84	2.21
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	3.47
Net Nonoperating Obligations (NNO)	48	48	48	48	48	48	48	48	48	48	48
Total Depreciation and Amortization (D&A)	0.76	0.89	1.08	1.16	1.43	1.56	1.68	1.60	1.69	1.69	6.42
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.68	$0.51	$0.86	$1.00	$0.98	$0.65	$0.73	$0.90	$0.84	$0.79	($2.76)
Adjusted Weighted Average Basic Shares Outstanding	13.26M	13.34M	13.41M	13.45M	13.51M	14.96M	15.03M	15.09M	15.05M	15.18M	15.24M
Adjusted Diluted Earnings per Share	$0.66	$0.50	$0.84	$0.97	$0.95	$0.63	$0.71	$0.88	$0.84	$0.78	($2.76)
Adjusted Weighted Average Diluted Shares Outstanding	13.64M	13.68M	13.74M	13.82M	13.88M	15.46M	15.45M	15.44M	15.35M	15.42M	15.24M
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	13.38M	13.42M	13.46M	13.54M	15.01M	15.03M	15.11M	15.12M	15.21M	15.25M	15.29M
Normalized Net Operating Profit after Tax (NOPAT)	9.01	6.80	12	13	13	9.73	11	14	13	12	-39
Normalized NOPAT Margin	5.19%	2.93%	5.69%	5.85%	6.25%	4.85%	6.90%	6.51%	6.52%	5.64%	-16.26%
Pre Tax Income Margin	6.83%	3.76%	7.37%	7.12%	8.04%	5.87%	9.00%	8.57%	8.86%	6.84%	-23.23%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	2.50	3.13	2.65	2.86	2.86	2.52	1.77	2.64	2.56	2.77	0.15
NOPAT to Interest Expense	0.32	0.23	0.37	0.41	0.44	0.34	0.36	0.44	0.44	0.42	-1.32
EBIT Less CapEx to Interest Expense	2.42	3.07	2.57	2.78	2.76	2.43	1.70	2.58	2.49	2.70	0.07
NOPAT Less CapEx to Interest Expense	0.23	0.17	0.29	0.33	0.34	0.24	0.29	0.38	0.38	0.36	-1.40
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%

Financials Breakdown Chart

Key Financial Trends

Coastal Financial (NASDAQ:CCB) has expanded substantially over the reported period, but its latest quarter shows a sharp deterioration in reported earnings and liquidity. The data also contains several internal inconsistencies, particularly in Q2 2026, so investors should review the company’s filing before relying on individual figures.

Growth and earnings trends: Total assets increased from approximately $3.1 billion in Q3 2022 to $5.5 billion in Q2 2026. Net loans, after allowances, rose from $2.75 billion in Q1 2023 to $4.0 billion in Q2 2026. Net interest income also improved from $49.2 million in Q3 2022 to $89.4 million in Q2 2026, although the latest figure is difficult to reconcile with the underlying interest-income components.

Balance-sheet growth: Total assets increased roughly 74% from Q3 2022 to Q2 2026, while deposits grew from $2.84 billion to approximately $4.99 billion.
Loan expansion: Net loans and leases grew from $2.75 billion in early 2023 to $4.0 billion in Q2 2026, supporting the long-term expansion of interest income.
Higher net interest income: Net interest income generally trended upward, reaching $89.4 million in Q2 2026 versus $76.7 million in Q2 2025 and $52.5 million in Q4 2023.
Consistently positive operating cash flow: Operating cash flow remained positive in every reported quarter, increasing to $76.9 million in Q2 2026 from $12.8 million in Q2 2022.
Improved capital base over the longer term: Total common equity rose from $228.7 million in Q3 2022 to $463.4 million in Q2 2026, despite a sequential decline from $503.8 million in Q1 2026.
Large non-interest income contribution: Non-interest income has become a major part of revenue, but the unusually large “other non-interest income” figures make earnings quality and sustainability difficult to assess from the standardized data alone.
Cash and liquidity remain significant: Cash plus interest-bearing deposits at other banks totaled approximately $1.01 billion at Q2 2026, although this was down sharply from $1.50 billion in Q1.
Severe Q2 2026 cash decline: Cash and equivalents fell by $487.0 million during the quarter, compared with increases of $758.5 million in Q1 2026 and $94.7 million in Q4 2025.
Deposit outflow in the latest quarter: Net change in deposits was negative $179.3 million in Q2 2026, reversing the $897.0 million inflow in Q1 and potentially increasing funding pressure if the trend continues.
Elevated credit-loss provisions: The provision for credit losses climbed to $92.2 million in Q2 2026 from $51.4 million in Q1 and $32.2 million in Q2 2025. The allowance for loan losses also increased to $213.7 million, or roughly 5.1% of reported loans.

Profitability is the primary concern. Reported total revenue reached $237.6 million in Q2 2026, but the $92.2 million credit-loss provision and $141.1 million of non-interest expense produced a reported pretax loss of $55.2 million. The standardized data then reports continuing-operations net income of $17.4 million, consolidated net loss of $42.1 million, net income attributable to common shareholders of $17.4 million and diluted EPS of negative $2.76. These figures do not reconcile with one another and should be treated as a significant data-quality warning.

Across the earlier quarters, Coastal Financial generally remained profitable, with reported diluted EPS ranging from $0.75 to $0.97 in the 2023-2024 comparison periods and $0.71 to $0.88 in the 2025 quarters. However, credit-loss provisions have remained unusually high relative to earnings, rising from $18.4 million in Q3 2022 to $92.2 million in Q2 2026. Investors should monitor whether recent provisions represent temporary reserve building or evidence of worsening loan performance.

Overall, CCB’s long-term profile shows strong asset, deposit and loan growth, improving net interest income and consistently positive operating cash flow. Nevertheless, the latest quarter is weakened by substantial cash outflows, deposit contraction, elevated credit costs and contradictory earnings data. Until the Q2 2026 figures are clarified and credit losses stabilize, the company’s growth should be weighed against increased balance-sheet and reporting risk.

09/19/26 01:31 PM ETAI Generated. May Contain Errors.

Coastal Financial Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Coastal Financial's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Coastal Financial's net income appears to be on an upward trend, with a most recent value of $46.99 million in 2025, rising from $5.44 million in 2017. The previous period was $45.22 million in 2024. Find out what analysts predict for Coastal Financial in the coming months.

Over the last 8 years, Coastal Financial's total revenue changed from $36.45 million in 2017 to $763.27 million in 2025, a change of 1,994.1%.

Coastal Financial's total liabilities were at $4.25 billion at the end of 2025, a 15.4% increase from 2024, and a 474.4% increase since 2017.

In the past 8 years, Coastal Financial's cash and equivalents has ranged from $13.79 million in 2017 to $36.53 million in 2024, and is currently $34.24 million as of their latest financial filing in 2025.

Over the last 8 years, Coastal Financial's book value per share changed from 7.12 in 2017 to 32.47 in 2025, a change of 356.3%.

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Financial statements for NASDAQ:CCB last updated on 8/7/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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Coastal Financial (CCB) Financials

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Coastal Financial (CCB) Financials

Annual Income Statements for Coastal Financial

Quarterly Income Statements for Coastal Financial

Annual Cash Flow Statements for Coastal Financial

Quarterly Cash Flow Statements for Coastal Financial

Annual Balance Sheets for Coastal Financial

Quarterly Balance Sheets for Coastal Financial

Annual Metrics And Ratios for Coastal Financial

Quarterly Metrics And Ratios for Coastal Financial

Financials Breakdown Chart

Key Financial Trends

Coastal Financial Financials - Frequently Asked Questions

When does Coastal Financial's fiscal year end?

How has Coastal Financial's net income changed over the last 8 years?

How has Coastal Financial's revenue changed over the last 8 years?

How much debt does Coastal Financial have?

How much cash does Coastal Financial have?

How has Coastal Financial's book value per share changed over the last 8 years?

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