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Coastal Financial (CCB) Financials

Coastal Financial logo
$70.80 +0.56 (+0.80%)
Closing price 04:00 PM Eastern
Extended Trading
$70.76 -0.03 (-0.05%)
As of 04:40 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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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 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

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 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
Net Income / (Loss) Attributable to Common Shareholders		 17 50 64 47 56 45 37 17 44 34 37
Consolidated Net Income / (Loss)		 10 9.01 6.80 12 13 13 9.73 11 14 13 12
Net Income / (Loss) Continuing Operations		 17 50 64 47 56 45 37 17 44 34 37
Total Pre-Tax Income 		13 12 8.72 15 16 17 12 14 18 17 15
Total Revenue		 129 174 232 202 227 214 201 160 209 194 213
Net Interest Income / (Expense)		 62 53 62 66 72 74 76 77 78 79 83
Total Interest Income		 88 81 92 97 105 104 105 108 109 108 112
Loans and Leases Interest Income		 84 74 86 91 100 97 98 99 100 100 103
Investment Securities Interest Income		 0.80 1.40 1.07 0.86 0.71 0.85 0.69 0.85 0.65 0.87 0.67
Deposits and Money Market Investments Interest Income		 3.88 5.69 4.78 5.68 4.78 6.02 6.07 8.09 8.01 6.81 8.13
Total Interest Expense		 26 29 30 31 33 30 29 31 31 29 28
Deposits Interest Expense		 25 28 29 31 32 29 28 30 30 28 28
Long-Term Debt Interest Expense		 0.65 0.67 0.67 0.67 0.81 0.67 0.66 0.66 0.66 0.66 0.65
Total Non-Interest Income		 35 62 86 69 79 71 63 43 67 59 66
Other Service Charges		 0.29 0.06 0.31 0.26 0.49 0.47 0.68 0.85 0.77 1.00 0.41
Net Realized & Unrealized Capital Gains on Investments		 0.11 0.08 0.02 0.01 0.00 0.00 0.02 -0.44 0.01 - 0.13
Other Non-Interest Income		 66 121 170 136 155 140 124 83 130 114 129
Provision for Credit Losses		 27 61 83 62 70 62 56 32 57 48 51
Total Non-Interest Expense		 57 41 57 58 64 66 72 73 70 73 83
Salaries and Employee Benefits		 18 16 18 17 17 18 22 21 20 23 23
Net Occupancy & Equipment Expense		 2.29 -1.57 1.61 1.06 1.04 -3.77 1.14 0.98 1.02 1.20 1.30
Marketing Expense		 0.17 0.14 0.05 0.01 0.07 0.03 0.05 0.05 0.27 0.26 0.04
Other Operating Expenses		 61 45 64 71 80 89 83 85 83 83 98
Income Tax Expense		 2.78 2.85 1.92 3.43 2.93 3.83 2.04 3.36 4.32 4.54 2.57
Basic Earnings per Share		 $0.77 $0.68 $0.51 $0.86 $1.00 $0.98 $0.65 $0.73 $0.90 $0.84 $0.79
Weighted Average Basic Shares Outstanding		 13.29M 13.26M 13.34M 13.41M 13.45M 13.51M 14.96M 15.03M 15.09M 15.05M 15.18M
Diluted Earnings per Share		 $0.75 $0.66 $0.50 $0.84 $0.97 $0.95 $0.63 $0.71 $0.88 $0.84 $0.78
Weighted Average Diluted Shares Outstanding		 13.68M 13.64M 13.68M 13.74M 13.82M 13.88M 15.46M 15.45M 15.44M 15.35M 15.42M
Weighted Average Basic & Diluted Shares Outstanding		 13.30M 13.38M 13.42M 13.46M 13.54M 15.01M 15.03M 15.11M 15.12M 15.21M 15.25M

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 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

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 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
Net Change in Cash & Equivalents		 200 8.18 32 -28 -3.22 -32 172 95 -78 95 758
Net Cash From Operating Activities		 65 45 57 73 63 62 72 66 59 58 76
Net Cash From Continuing Operating Activities		 65 45 57 73 63 62 72 66 59 58 76
Net Income / (Loss) Continuing Operations		 10 9.01 6.80 12 13 13 9.73 11 14 13 12
Consolidated Net Income / (Loss)		 10 9.01 6.80 12 13 13 9.73 11 14 13 12
Provision For Loan Losses		 27 61 83 62 70 62 56 32 57 48 51
Depreciation Expense		 0.61 0.77 0.88 1.08 1.16 1.43 1.55 1.67 1.60 1.69 1.67
Amortization Expense		 -0.01 -0.01 0.01 -0.00 0.00 0.00 0.00 0.01 0.00 -0.00 0.02
Non-Cash Adjustments to Reconcile Net Income		 22 0.68 -32 -5.44 -23 -8.61 0.60 18 -5.21 -0.83 -0.38
Changes in Operating Assets and Liabilities, net		 5.20 -26 -2.35 2.99 1.54 -6.08 4.02 2.91 -7.54 -3.73 11
Net Cash From Investing Activities		 7.63 -108 -128 -181 -151 -143 -105 -92 -195 -134 -213
Net Cash From Continuing Investing Activities		 7.63 -108 -128 -181 -151 -143 -105 -92 -195 -134 -213
Purchase of Property, Leasehold Improvements and Equipment		 -2.25 -2.33 -1.79 -2.62 -2.47 -3.03 -2.76 -2.08 -1.67 -1.93 -1.84
Purchase of Investment Securities		 -74 -8.81 -21 -0.43 -0.09 -181 -1.77 -0.02 8.81 9.45 15
Sale and/or Maturity of Investments		 321 127 201 156 424 847 745 1,301 1,621 2,975 3,281
Other Investing Activities, net		 -238 -224 -306 -335 -573 -806 -845 -1,390 -1,824 -3,116 -3,507
Net Cash From Financing Activities		 127 71 103 81 85 50 205 121 59 171 896
Net Cash From Continuing Financing Activities		 127 71 103 81 85 50 205 121 59 171 896
Net Change in Deposits		 127 71 103 80 84 -42 206 122 59 172 897
Issuance of Common Equity		 - - 0.00 - - - 0.07 - - 0.01 0.00
Other Financing Activities, Net		 0.01 0.02 0.29 0.29 0.70 0.12 -1.13 -1.23 -0.07 -0.99 -1.22
Cash Interest Paid		 26 29 29 31 33 30 29 31 31 28 27
Cash Income Taxes Paid		 - 1.65 0.10 3.53 3.81 3.11 0.11 6.48 3.16 -0.27 0.01

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 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

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 Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 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
Total Assets		 3,134 3,451 3,535 3,678 3,865 3,962 4,066 4,339 4,481 4,553 5,664
Cash and Due from Banks		 37 38 30 30 33 60 45 43 30 35 53
Interest Bearing Deposits at Other Banks		 373 356 245 445 482 427 439 581 690 607 1,443
Trading Account Securities		 1.25 102 111 141 50 49 49 47 46 44 46
Loans and Leases, Net of Allowance		 -59 2,748 2,897 2,866 3,060 3,179 3,249 3,334 3,376 3,530 3,687
Loans and Leases		 - 2,837 3,008 2,967 3,200 3,326 3,419 3,517 3,540 3,704 3,859
Allowance for Loan and Lease Losses		 59 89 111 101 139 148 170 183 165 174 172
Loans Held for Sale		 43 27 36 0.00 0.80 0.00 7.57 42 60 43 124
Accrued Investment Income		 13 19 22 23 25 24 24 21 21 20 20
Premises and Equipment, Net		 18 18 19 21 23 25 26 29 29 29 30
Intangible Assets		 - - - - - - - - - - 4.43
Other Assets		 144 2,877 176 152 191 198 228 242 229 244 257
Total Liabilities & Shareholders' Equity		 3,134 3,451 3,535 3,678 3,865 3,962 4,066 4,339 4,481 4,553 5,664
Total Liabilities		 2,905 3,192 3,263 3,394 3,562 3,645 3,734 3,889 4,019 4,078 5,160
Non-Interest Bearing Deposits		 2,837 3,095 3,163 3,290 3,463 3,543 3,627 3,791 3,914 3,973 5,041
Accrued Interest Payable		 0.15 0.87 0.77 1.06 1.06 1.00 1.07 1.11 0.95 1.11 2.67
Long-Term Debt		 28 48 48 48 48 48 48 48 48 48 48
Other Long-Term Liabilities		 40 49 52 55 50 47 58 49 56 56 68
Total Equity & Noncontrolling Interests		 229 259 273 284 304 317 332 450 462 475 504
Total Preferred & Common Equity		 229 259 273 284 304 317 332 450 462 475 504
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		 229 259 273 284 304 317 332 450 462 475 504
Common Stock		 124 127 128 129 132 133 135 230 230 230 234
Retained Earnings		 107 133 146 156 172 184 197 220 231 245 270
Accumulated Other Comprehensive Income / (Loss)		 -2.09 -1.81 -1.68 -1.09 -0.00 -0.00 -0.00 -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 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%

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 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
DEI Shares Outstanding		 - - - - - - - - - 15,121,263.00 15,208,963.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - 15,121,263.00 15,208,963.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - 0.84 0.79
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 11.32% 31.69% 53.88% 16.00% 78.26% 23.10% -13.57% -20.96% -8.17% -11.14% 6.32%
EBITDA Growth		 -2.15% 8.79% 48.28% 16.30% 107.75% 21.26% -20.28% -31.97% -10.90% -17.28% 7.70%
EBIT Growth		 -2.43% 8.41% 47.95% 15.58% 107.95% 20.55% -21.20% -33.12% -11.51% -17.85% 7.69%
NOPAT Growth		 -7.49% -31.30% -45.12% -10.15% 31.02% 48.32% 43.09% -4.90% 1.01% -5.42% 23.53%
Net Income Growth		 -7.49% -31.30% -45.12% -10.15% 31.02% 48.32% 43.09% -4.90% 1.01% -5.42% 23.53%
EPS Growth		 -8.54% -31.96% -45.05% -11.58% 29.33% 43.94% 26.00% -15.48% -9.28% -11.58% 23.81%
Operating Cash Flow Growth		 207.00% 80.68% 21.73% 110.39% -2.70% 36.79% 26.28% -8.38% -5.72% -15.37% 5.98%
Free Cash Flow Firm Growth		 -106.21% -78.56% 34.17% 47.31% 47.59% -206.22% -256.75% -311.63% -280.11% 69.53% 69.28%
Invested Capital Growth		 29.41% 17.74% 14.72% 13.79% 14.34% 41.98% 41.64% 39.83% 37.79% 10.77% 10.85%
Revenue Q/Q Growth		 -26.62% 34.69% 33.59% -12.25% 12.76% -6.99% -6.20% -20.30% 30.64% -7.15% 9.98%
EBITDA Q/Q Growth		 -36.44% 57.54% 29.22% -10.86% 13.54% -8.05% -15.04% -24.02% 48.10% -10.67% 7.15%
EBIT Q/Q Growth		 -36.85% 57.95% 29.35% -11.17% 13.62% -8.43% -15.44% -24.70% 49.70% -10.99% 7.32%
NOPAT Q/Q Growth		 -20.42% -12.25% -24.55% 70.53% 16.04% -0.66% -27.21% 13.34% 23.25% -6.98% -4.94%
Net Income Q/Q Growth		 -20.42% -12.25% -24.55% 70.53% 16.04% -0.66% -27.21% 13.34% 23.25% -6.98% -4.94%
EPS Q/Q Growth		 -21.05% -12.00% -24.24% 68.00% 15.48% -2.06% -33.68% 12.70% 23.94% -4.55% -7.14%
Operating Cash Flow Q/Q Growth		 88.84% -30.43% 25.30% 17.21% -12.67% -2.19% 15.67% -7.88% -10.59% -2.07% 31.40%
Free Cash Flow Firm Q/Q Growth		 -5.45% 34.64% 10.14% 14.91% -4.88% -281.87% -4.69% 1.82% 3.15% 69.39% -5.57%
Invested Capital Q/Q Growth		 3.69% 3.18% 2.56% 3.71% 4.19% 28.12% 2.31% 2.38% 2.67% 3.00% 2.38%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 35.53% 41.56% 40.20% 41.13% 41.41% 40.94% 37.08% 35.35% 40.07% 38.56% 37.56%
EBIT Margin		 35.07% 41.12% 39.82% 40.60% 40.91% 40.27% 36.31% 34.30% 39.31% 37.68% 36.77%
Profit (Net Income) Margin		 7.96% 5.19% 2.93% 5.69% 5.85% 6.25% 4.85% 6.90% 6.51% 6.52% 5.64%
Tax Burden Percent		 78.67% 75.99% 78.03% 77.20% 82.14% 77.72% 82.67% 76.65% 75.90% 73.59% 82.41%
Interest Burden Percent		 28.86% 16.60% 9.43% 18.15% 17.42% 19.97% 16.16% 26.23% 21.81% 23.51% 18.60%
Effective Tax Rate		 21.33% 24.01% 21.97% 22.80% 17.86% 22.28% 17.33% 23.35% 24.10% 26.41% 17.59%
Return on Invested Capital (ROIC)		 15.98% 10.30% 6.33% 12.49% 14.03% 13.27% 9.69% 12.72% 11.35% 9.70% 8.33%
ROIC Less NNEP Spread (ROIC-NNEP)		 15.98% 10.30% 6.33% 12.49% 14.03% 13.27% 9.69% 12.72% 11.35% 9.70% 8.33%
Return on Net Nonoperating Assets (RNNOA)		 2.36% 1.82% 1.07% 2.02% 2.17% 1.73% 1.23% 1.57% 1.35% 1.00% 0.84%
Return on Equity (ROE)		 18.34% 12.13% 7.40% 14.52% 16.20% 15.00% 10.92% 14.29% 12.70% 10.71% 9.17%
Cash Return on Invested Capital (CROIC)		 -9.10% -2.23% -1.86% -1.90% -1.90% -23.79% -23.13% -22.33% -21.21% -1.06% -0.90%
Operating Return on Assets (OROA)		 6.08% 7.51% 7.74% 8.15% 9.01% 9.01% 7.51% 6.55% 7.18% 6.49% 5.70%
Return on Assets (ROA)		 1.38% 0.95% 0.57% 1.14% 1.29% 1.40% 1.00% 1.32% 1.19% 1.12% 0.87%
Return on Common Equity (ROCE)		 18.34% 12.13% 7.40% 14.52% 16.20% 15.00% 10.92% 14.29% 12.70% 10.71% 9.17%
Return on Equity Simple (ROE_SIMPLE)		 17.12% 0.00% 12.84% 11.90% 12.31% 0.00% 10.70% 10.31% 10.04% 0.00% 9.78%
Net Operating Profit after Tax (NOPAT)		 10 9.01 6.80 12 13 13 9.73 11 14 13 12
NOPAT Margin		 7.96% 5.19% 2.93% 5.69% 5.85% 6.25% 4.85% 6.90% 6.51% 6.52% 5.64%
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		 15.93% 8.67% 8.46% 9.59% 8.82% 6.67% 11.33% 14.03% 10.26% 12.45% 11.47%
Operating Expenses to Revenue		 43.80% 23.89% 24.35% 28.84% 28.54% 30.80% 35.89% 45.55% 33.60% 37.54% 39.13%
Earnings before Interest and Taxes (EBIT)		 45 71 92 83 94 86 73 55 82 73 78
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 46 72 93 84 95 88 74 57 84 75 80
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 2.01 2.00 1.71 1.96 2.19 2.62 3.02 3.15 3.44 3.53 2.30
Price to Tangible Book Value (P/TBV)		 2.01 2.00 1.71 1.96 2.19 2.62 3.02 3.15 3.44 3.56 2.32
Price to Revenue (P/Rev)		 0.97 0.94 0.73 0.82 0.85 1.31 1.60 1.81 2.08 2.27 1.49
Price to Earnings (P/E)		 4.39 3.90 2.97 3.52 3.36 5.33 7.18 9.17 11.16 13.18 8.80
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		 22.78% 25.61% 33.69% 28.41% 29.73% 18.75% 13.92% 10.90% 8.96% 7.59% 11.36%
Enterprise Value to Invested Capital (EV/IC)		 0.43 0.45 0.15 0.49 0.76 1.53 1.57 1.54 1.99 1.94 0.00
Enterprise Value to Revenue (EV/Rev)		 0.24 0.25 0.07 0.24 0.34 0.85 0.92 0.97 1.32 1.37 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 0.58 0.61 0.19 0.60 0.83 2.07 2.28 2.49 3.41 3.61 0.00
Enterprise Value to EBIT (EV/EBIT)		 0.58 0.62 0.19 0.61 0.84 2.09 2.32 2.53 3.48 3.69 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 2.95 3.49 1.35 4.77 7.10 16.48 16.21 16.47 21.80 22.21 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.84 0.81 0.26 0.72 1.17 2.87 2.84 2.92 3.92 4.10 0.00
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		 0.17 0.16 0.16 0.15 0.14 0.11 0.11 0.10 0.10 0.10 0.10
Long-Term Debt to Equity		 0.17 0.16 0.16 0.15 0.14 0.11 0.11 0.10 0.10 0.10 0.10
Financial Leverage		 0.15 0.18 0.17 0.16 0.16 0.13 0.13 0.12 0.12 0.10 0.10
Leverage Ratio		 13.27 12.80 13.01 12.72 12.56 10.73 10.89 10.85 10.68 9.53 10.49
Compound Leverage Factor		 3.83 2.13 1.23 2.31 2.19 2.14 1.76 2.85 2.33 2.24 1.95
Debt to Total Capital		 14.36% 13.93% 13.59% 13.12% 12.60% 9.84% 9.63% 9.41% 9.17% 8.91% 8.71%
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		 14.36% 13.93% 13.59% 13.12% 12.60% 9.84% 9.63% 9.41% 9.17% 8.91% 8.71%
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		 85.64% 86.07% 86.41% 86.88% 87.40% 90.16% 90.37% 90.59% 90.83% 91.09% 91.29%
Debt to EBITDA		 0.19 0.19 0.17 0.16 0.14 0.13 0.14 0.15 0.16 0.17 0.16
Net Debt to EBITDA		 -1.72 -1.72 -1.65 -1.47 -1.25 -1.12 -1.69 -2.13 -1.95 -2.38 -4.90
Long-Term Debt to EBITDA		 0.19 0.19 0.17 0.16 0.14 0.13 0.14 0.15 0.16 0.17 0.16
Debt to NOPAT		 0.98 1.07 1.23 1.27 1.17 1.06 1.00 1.01 1.01 1.02 0.98
Net Debt to NOPAT		 -8.78 -9.77 -11.99 -11.66 -10.67 -8.95 -11.97 -14.12 -12.45 -14.66 -29.37
Long-Term Debt to NOPAT		 0.98 1.07 1.23 1.27 1.17 1.06 1.00 1.01 1.01 1.02 0.98
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)		 -65 -43 -38 -33 -34 -131 -137 -134 -130 -40 -42
Operating Cash Flow to CapEx		 2,898.13% 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%
Free Cash Flow to Firm to Interest Expense		 -2.50 -1.49 -1.30 -1.04 -1.04 -4.34 -4.74 -4.32 -4.17 -1.39 -1.48
Operating Cash Flow to Interest Expense		 2.49 1.58 1.92 2.32 1.93 2.06 2.49 2.13 1.90 2.03 2.68
Operating Cash Flow Less CapEx to Interest Expense		 2.41 1.50 1.86 2.24 1.85 1.96 2.39 2.06 1.84 1.96 2.62
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.17 0.18 0.19 0.20 0.22 0.22 0.21 0.19 0.18 0.17 0.16
Fixed Asset Turnover		 30.30 31.23 34.64 34.64 36.80 35.54 32.87 30.09 28.67 26.90 26.60
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 332 343 351 365 380 487 498 510 523 539 552
Invested Capital Turnover		 2.01 1.99 2.16 2.20 2.40 2.12 2.00 1.84 1.74 1.49 1.48
Increase / (Decrease) in Invested Capital		 75 52 45 44 48 144 146 145 143 52 54
Enterprise Value (EV)		 144 155 53 180 290 745 780 784 1,040 1,044 -290
Market Capitalization		 571 591 520 619 727 1,150 1,357 1,456 1,634 1,733 1,157
Book Value per Share		 $21.38 $22.17 $22.69 $23.60 $24.67 $32.39 $29.98 $30.73 $31.46 $32.47 $33.12
Tangible Book Value per Share		 $21.38 $22.17 $22.69 $23.60 $24.67 $32.39 $29.98 $30.73 $31.46 $32.17 $32.83
Total Capital		 332 343 351 365 380 487 498 510 523 539 552
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		 -427 -435 -467 -439 -436 -405 -576 -672 -594 -689 -1,447
Capital Expenditures (CapEx)		 2.25 2.33 1.79 2.62 2.47 3.03 2.76 2.08 1.67 1.93 1.84
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)		 48 48 48 48 48 48 48 48 48 48 48
Total Depreciation and Amortization (D&A)		 0.60 0.76 0.89 1.08 1.16 1.43 1.56 1.68 1.60 1.69 1.69
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.77 $0.68 $0.51 $0.86 $1.00 $0.98 $0.65 $0.73 $0.90 $0.84 $0.79
Adjusted Weighted Average Basic Shares Outstanding		 13.29M 13.26M 13.34M 13.41M 13.45M 13.51M 14.96M 15.03M 15.09M 15.05M 15.18M
Adjusted Diluted Earnings per Share		 $0.75 $0.66 $0.50 $0.84 $0.97 $0.95 $0.63 $0.71 $0.88 $0.84 $0.78
Adjusted Weighted Average Diluted Shares Outstanding		 13.68M 13.64M 13.68M 13.74M 13.82M 13.88M 15.46M 15.45M 15.44M 15.35M 15.42M
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		 13.30M 13.38M 13.42M 13.46M 13.54M 15.01M 15.03M 15.11M 15.12M 15.21M 15.25M
Normalized Net Operating Profit after Tax (NOPAT)		 10 9.01 6.80 12 13 13 9.73 11 14 13 12
Normalized NOPAT Margin		 7.96% 5.19% 2.93% 5.69% 5.85% 6.25% 4.85% 6.90% 6.51% 6.52% 5.64%
Pre Tax Income Margin		 10.12% 6.83% 3.76% 7.37% 7.12% 8.04% 5.87% 9.00% 8.57% 8.86% 6.84%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.73 2.50 3.13 2.65 2.86 2.86 2.52 1.77 2.64 2.56 2.77
NOPAT to Interest Expense		 0.39 0.32 0.23 0.37 0.41 0.44 0.34 0.36 0.44 0.44 0.42
EBIT Less CapEx to Interest Expense		 1.65 2.42 3.07 2.57 2.78 2.76 2.43 1.70 2.58 2.49 2.70
NOPAT Less CapEx to Interest Expense		 0.31 0.23 0.17 0.29 0.33 0.34 0.24 0.29 0.38 0.38 0.36
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 grown rapidly, but the latest quarter shows a mix of strong earnings power and rising credit risk. Over the last several years, the company has expanded its balance sheet, increased loans, and generated solid net interest income. At the same time, non-interest income has become increasingly important, and provisions for credit losses remain elevated, which is something investors should watch closely.

  • Revenue remains strong. Q1 2026 total revenue was $213.3 million, up from $193.9 million in Q4 2025 and above most quarters in 2025 and 2024.
  • Net interest income improved year over year. Q1 2026 net interest income reached $83.4 million, up from $79.4 million in Q4 2025 and $76.1 million in Q1 2025.
  • Operating cash flow was healthy. The company produced $76.0 million in operating cash flow in Q1 2026, which supports ongoing growth and liquidity.
  • Deposit growth was very strong in Q1 2026. Net change in deposits was $897.0 million, helping fund the balance sheet expansion.
  • Loans continued to expand. Net loans and leases rose to $3.69 billion in Q1 2026 from $3.53 billion in Q3 2025 and $3.06 billion in Q1 2024.
  • Equity has grown over time. Total common equity increased to $503.8 million in Q1 2026, up from $449.9 million in Q1 2025 and $303.7 million in Q1 2024.
  • Non-interest income is a major contributor. In Q1 2026, non-interest income was $66.1 million, a meaningful share of total revenue and a key part of the earnings model.
  • Loan loss provisions remain a large expense item. Provision for credit losses was $51.4 million in Q1 2026, lower than some prior periods but still very material relative to earnings.
  • Cash and liquid assets remain substantial. The company held $1.49 billion in cash and interest-bearing deposits at other banks at the end of Q1 2026, which provides flexibility.
  • Interest expense is still elevated. Deposit interest expense was $27.7 million in Q1 2026, reflecting a still-costly funding environment.
  • Net income attributable to common shareholders fell sharply in Q1 2026. It came in at $12.0 million, down from $37.0 million in Q1 2025 and $34.1 million in Q4 2025.
  • Credit costs are high relative to earnings. The company continues to set aside large provisions, which can pressure profitability if credit conditions weaken further.
  • Other operating expenses remain heavy. Other operating expenses were $97.8 million in Q1 2026, a sizeable drag on margins.
  • Net cash from investing activities was negative. Q1 2026 investing cash flow was -$213.2 million, reflecting significant balance sheet activity and investment movements.

Bottom line: Coastal Financial is still growing and generating solid operating cash flow, but earnings have become more volatile and credit-related expenses are significant. For retail investors, the key question is whether the company can keep expanding loans and deposits while preventing provisions and operating costs from overwhelming profit growth.

06/08/26 03:46 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. See Coastal Financial's forecast for analyst expectations on what's next for the company.

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 5/12/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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