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CCB logoCoastal Financial Corporation(CCB)Earnings, Financials & Key Ratios

CCB•NASDAQ•Banking & Credit
$74.86
$1.14B mkt cap·24.6× P/E·Price updated May 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryDigital banks and banking-as-a-service
AboutCoastal Financial Corporation operates as the bank holding company for Coastal Community Bank that provides various banking products and services to small to medium-sized businesses, professionals, and individuals in the Puget Sound region in Washington. It accepts a range of deposit products, including demand and savings accounts, time deposits, and money market accounts. The company offers commercial and industrial loans, including term loans, small business administration loans, commercial lines of credit, working capital loans, equipment financing, borrowing base loans, and other loan products; owner-occupied and non-owner-occupied real estate loans, and multi-family residential loans; construction and land development loans; residential real estate loans; and consumer and other loans, including automobile, boat and recreational vehicle, and secured term loans, as well as overdraft protection. It also provides remote deposit capture, online and mobile banking, and direct and reciprocal deposit services, as well as debit cards. In addition, the company offers business accounts and cash management services, including business checking and savings accounts, and treasury services, as well as banking as a service (BaaS), a platform that allows broker dealers and digital financial service providers to offer their clients banking services. It operates 14 full-service banking locations. Coastal Financial Corporation was founded in 1997 and is headquartered in Everett, Washington.Show more
  • Net Interest Income$310M+13.7%
  • Total Revenue$661M+14.7%
  • Net Income$47M+3.9%
  • Return on Equity10.11%-18.0%
  • Net Interest Margin6.54%-1.1%
  • Efficiency Ratio43.52%+112.8%
  • ROA1.06%-7.7%
  • Equity / Assets10.35%-2.7%
  • Book Value per Share31.78+0.5%
  • Tangible BV/Share31.48-0.4%
  • Debt/Equity0.12-2.7%
Technical→

CCB Key Insights

Coastal Financial Corporation (CCB) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong 5Y profit CAGR of 25.4%
  • ✓Strong NIM of 6.5%
  • ✓Efficient operations: 43.5% efficiency ratio
  • ✓Well capitalized: 10.4% equity/assets
  • ✓Diversified revenue: 35.0% from non-interest income

✗Weaknesses

  • ✗Shares diluted 11.3% in last year
  • ✗Trading more than 30% below 52-week high

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

CCB Price & Volume

Coastal Financial Corporation (CCB) stock price & volume — 10-year historical chart

Loading chart...

CCB Growth Metrics

Coastal Financial Corporation (CCB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years40.68%
5 Years56.28%
3 Years41.73%
TTM-

Profit CAGR

10 Years34.94%
5 Years25.41%
3 Years4.97%
TTM3.92%

EPS CAGR

10 Years28.38%
5 Years19.64%
3 Years0.33%
TTM-6.46%

Return on Capital

10 Years10.96%
5 Years13.07%
3 Years10.93%
Last Year2.34%

CCB Recent Earnings

Coastal Financial Corporation (CCB) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 3/12 qtrs (30%)●Beat Revenue 2/12 qtrs (20%)
Q2 2026Latest
Apr 29, 2026
EPS
$0.78
Est $1.02
-23.5%
Revenue
$149M
Est $139M
+7.8%
Q1 2026
Jan 29, 2026
EPS
$0.82
Est $1.16
-29.3%
Revenue
$138M
Est $141M
-1.9%
Q4 2025
Oct 29, 2025
EPS
$0.88
Est $0.87
+0.8%
Revenue
$141M
Est $138M
+2.0%
Q3 2025
Jul 29, 2025
EPS
$0.71
Est $0.84
-15.5%
Revenue
$115M
Est $158M
-27.1%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 29, 2026
$0.78vs $1.02-23.5%
$149Mvs $139M+7.8%
Q1 2026Jan 29, 2026
$0.82vs $1.16-29.3%
$138Mvs $141M-1.9%
Q4 2025Oct 29, 2025
$0.88vs $0.87+0.8%
$141Mvs $138M+2.0%
Q3 2025Jul 29, 2025
$0.71vs $0.84-15.5%
$115Mvs $158M-27.1%
Based on last 12 quarters of dataView full earnings history →

CCB Peer Comparison

Coastal Financial Corporation (CCB) competitors in Digital banks and banking-as-a-service — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
HFWA logoHFWAHeritage Financial CorporationDirect Competitor932.21M27.4213.995.92%7.51%0.05
COLB logoCOLBColumbia Banking System, Inc.Direct Competitor7.04B29.5612.858.35%8.39%0.51
WAFD logoWAFDWaFd, Inc.Direct Competitor2.73B35.6713.56-1.58%8.02%0.60
NWBI logoNWBINorthwest Bancshares, Inc.Direct Competitor2.02B13.8315.0316.3%7.18%0.24
CUBI logoCUBICustomers Bancorp, Inc.Product Competitor2.62B77.9112.573.94%11.25%0.81
BFIN logoBFINBankFinancial CorporationProduct Competitor149.53M12.0036.364.52%1.47%0.25
FBIZ logoFBIZFirst Business Financial Services, Inc.Product Competitor473.21M56.729.366.43%14.12%0.70
MOFG logoMOFGMidWestOne Financial Group, Inc.Product Competitor1.02B49.31-13.93-23.13%10.02%0.21

Compare CCB vs Peers

Coastal Financial Corporation (CCB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs HFWA

Most directly comparable listed peer for CCB.

Scale Benchmark

vs V

Larger-name benchmark to compare CCB against a more recognizable public peer.

Peer Set

Compare Top 5

vs HFWA, COLB, WAFD, NWBI

CCB Income Statement

Coastal Financial Corporation (CCB) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income29.1M34.66M41.83M57.15M79.15M171.43M231.19M272.59M310.06M
NII Growth %12.19%19.11%20.69%36.62%38.5%116.58%34.86%17.91%13.75%
Net Interest Margin %3.61%3.64%3.71%3.24%3%5.45%6.17%6.61%6.54%
Interest Income31.98M38.59M48.41M62.8M82.8M191.82M322.83M396.34M429.62M
Interest Expense2.88M3.93M6.58M5.65M3.65M20.39M91.64M123.75M119.55M
Loan Loss Provision870K1.83M2.54M8.31M9.91M79.06M183.99M277.61M192.63M
Non-Interest Income4.29M5.62M8.44M8.12M22.66M40.42M117.6M180.27M231.61M
Non-Interest Income %11.83%12.72%14.84%11.45%21.49%17.41%26.7%31.26%35.03%
Total Revenue
36.27M▲ 0%
44.21M▲ 21.9%
56.84M▲ 28.6%
70.93M▲ 24.8%
105.46M▲ 48.7%
232.25M▲ 120.2%
440.43M▲ 89.6%
576.61M▲ 30.9%
661.23M▲ 14.7%
Revenue Growth %8.46%21.9%28.58%24.77%48.69%120.23%89.64%30.92%14.67%
Non-Interest Expense22.43M26.22M31.06M37.83M57.52M82.17M107.66M117.94M287.8M
Efficiency Ratio61.86%59.3%54.65%53.33%54.54%35.38%24.44%20.45%43.52%
Operating Income
10.09M▲ 0%
12.24M▲ 21.3%
16.66M▲ 36.1%
19.14M▲ 14.9%
34.38M▲ 79.6%
50.62M▲ 47.3%
57.13M▲ 12.9%
57.32M▲ 0.3%
61.24M▲ 6.9%
Operating Margin %27.82%27.69%29.31%26.99%32.6%21.8%12.97%9.94%9.26%
Operating Income Growth %35.3%21.34%36.11%14.88%79.6%47.25%12.86%0.32%6.85%
Pretax Income
10.09M▲ 0%
12.24M▲ 21.3%
16.66M▲ 36.1%
19.14M▲ 14.9%
34.38M▲ 79.6%
50.62M▲ 47.3%
57.13M▲ 12.9%
57.32M▲ 0.3%
61.24M▲ 6.9%
Pretax Margin %27.82%27.69%29.31%26.99%32.6%21.8%12.97%9.94%9.26%
Income Tax4.65M2.54M3.46M4M7.37M10M12.55M12.1M14.25M
Effective Tax Rate %46.12%20.76%20.77%20.87%21.44%19.75%21.97%21.11%23.27%
Net Income
5.44M▲ 0%
9.7M▲ 78.5%
13.2M▲ 36.1%
15.15M▲ 14.7%
27M▲ 78.3%
40.63M▲ 50.4%
44.58M▲ 9.7%
45.22M▲ 1.4%
46.99M▲ 3.9%
Net Margin %14.99%21.94%23.22%21.35%25.61%17.49%10.12%7.84%7.11%
Net Income Growth %8.65%78.46%36.08%14.73%78.3%50.44%9.73%1.44%3.92%
Net Income (Continuing)5.44M9.7M13.2M15.15M27M40.63M44.58M45.22M46.99M
EPS (Diluted)
0.48▲ 0%
0.91▲ 89.6%
1.08▲ 18.7%
1.24▲ 14.8%
2.16▲ 74.2%
3.01▲ 39.4%
3.27▲ 8.6%
3.25▼ 0.6%
3.04▼ 6.5%
EPS Growth %9.09%89.58%18.68%14.81%74.19%39.35%8.64%-0.61%-6.46%
EPS (Basic)0.480.931.111.272.253.143.363.353.12
Diluted Shares Outstanding11.4M10.61M12.2M12.21M12.52M13.52M13.64M13.88M15.45M

CCB Balance Sheet

Coastal Financial Corporation (CCB) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments126.68M162.44M156.17M183.52M848.49M439.46M582.63M452.55M34.27M
Cash & Due from Banks89.75M125.78M127.81M163.12M813.16M342.14M483.13M452.51M34.24M
Short Term Investments36.93M36.66M28.36M20.4M35.33M97.32M99.5M35K29K
Total Investments690.79M800.18M964.85M1.56B1.77B2.72B3.18B3.57B4.42B
Investments Growth %10.23%15.84%20.58%61.39%13.53%53.6%17.02%12.35%23.66%
Long-Term Investments653.86M763.52M936.49M1.54B1.73B2.62B3.08B3.57B4.42B
Accounts Receivables2.27M2.53M2.98M8.62M9.37M28.23M32.55M35.24M3.6B
Goodwill & Intangibles0000269K0004.54M
Goodwill000000004.54M
Intangible Assets0000269K0000
PP&E (Net)13.12M13.17M21.6M24.23M23.32M23.23M28.02M32.65M34.15M
Other Assets7.73M7.94M8.54M9.18M14.66M16.9M24.86M27.02M-4.42B
Total Current Assets128.95M164.97M159.15M192.13M857.86M467.69M615.18M487.79M3.63B
Total Non-Current Assets676.8M787.14M969.37M1.57B1.78B2.68B3.13B3.63B38.68M
Total Assets
805.75M▲ 0%
952.11M▲ 18.2%
1.13B▲ 18.5%
1.77B▲ 56.5%
2.64B▲ 49.2%
3.14B▲ 19.3%
3.75B▲ 19.3%
4.12B▲ 9.9%
4.74B▲ 15.0%
Asset Growth %8.8%18.16%18.53%56.5%49.23%19.31%19.26%9.9%15.05%
Return on Assets (ROA)0.7%1.1%1.27%1.05%1.23%1.41%1.29%1.15%1.06%
Accounts Payable228K279K308K531K2.2M21.1M31.18M30.13M0
Total Debt33.53M33.55M32.24M199.62M59.19M52.82M53.86M53.28M58M
Net Debt-56.22M-92.24M-95.57M36.5M-753.97M-289.32M-429.27M-399.23M23.76M
Long-Term Debt33.53M33.55M23.56M38.58M52.87M47.59M47.73M47.88M53.02M
Short-Term Debt000153.72M00000
Other Liabilities2.99M5.51M3.85M4.45M9.12M9.53M9.62M13.76M3.97B
Total Current Liabilities703.52M803.89M968.27M1.58B2.37B2.84B3.39B3.62B4.98M
Total Non-Current Liabilities36.52M39.06M36.09M50.35M68.31M62.35M63.48M67.04M4.03B
Total Liabilities740.04M842.95M1B1.63B2.43B2.9B3.46B3.68B4.25B
Total Equity
65.71M▲ 0%
109.16M▲ 66.1%
124.17M▲ 13.8%
140.22M▲ 12.9%
201.22M▲ 43.5%
243.49M▲ 21.0%
294.98M▲ 21.1%
438.7M▲ 48.7%
490.96M▲ 11.9%
Equity Growth %9.71%66.12%13.76%12.92%43.51%21.01%21.14%48.72%11.91%
Equity / Assets (Capital Ratio)8.16%11.46%11%7.94%7.64%7.74%7.87%10.65%10.35%
Return on Equity (ROE)8.66%11.1%11.32%11.46%15.82%18.27%16.56%12.33%10.11%
Book Value per Share5.7610.2910.1811.4816.0718.0221.6331.6231.78
Tangible BV per Share5.7610.2910.1811.4816.0518.0221.6331.6231.48
Common Stock52.52M86.43M86.98M87.81M121.84M125.83M130.14M228.18M233.44M
Additional Paid-in Capital000000000
Retained Earnings14.13M24.02M37.22M52.37M79.37M120M165.31M210.53M257.52M
Accumulated OCI-944K-1.3M-32K34K4K-2.33M-469K-2K-1K
Treasury Stock000000000
Preferred Stock000000000

CCB Cash Flow Statement

Coastal Financial Corporation (CCB) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations7.62M14.4M13.67M19.33M29.85M67.1M191.54M259.79M254.58M
Operating CF Growth %7.03%89.08%-5.08%41.39%54.41%124.81%185.46%35.63%-2%
Net Income5.44M9.7M13.2M15.15M27M40.63M44.58M45.22M46.99M
Depreciation & Amortization993K1.07M1.24M1.36M1.59M1.81M2.33M4.55M6.51M
Deferred Taxes1.28M-382K-561K-1.07M-3.01M-11.02M13.88M138K4.45M
Other Non-Cash Items587K1.38M1.66M8.48M6.82M79.2M183.5M277.58M193.08M
Working Capital Changes-968K2.32M-2.3M-5.21M-3.84M-46.04M-56.41M-72.55M-5.06M
Cash from Investing-61.76M-139.12M-164.55M-666.54M-239.64M-987.95M-594.01M-608.57M-525.65M
Purchase of Investments-5.59M-86K-33.87M-31.94M-118.44M-137.14M-50.24M-546K-5.14M
Sale/Maturity of Investments1.78M229K40.17M39.48M104.05M70.27M1.28M103.57M4.21M
Net Investment Activity-3.81M143K6.3M7.54M-14.39M-66.87M-48.96M103.03M-938K
Acquisitions0000-19.98M0000
Other Investing-56.89M-138.12M-169.64M-668.72M-202.67M-918.24M-538.81M-701.69M-516.28M
Cash from Financing59.65M133.92M154.47M622.26M859.84M449.83M543.46M318.17M555.52M
Dividends Paid000000000
Share Repurchases-3K0000000-3.53M
Stock Issued033.24M0032.39M1.47M618K91.8M186K
Net Stock Activity-3K33.24M0032.39M1.47M618K91.8M-3.34M
Debt Issuance (Net)1000K0-1000K1000K-1000K-1000K000
Other Financing54.66M100.68M164.47M453.55M966.9M453.73M542.84M226.36M558.87M
Net Change in Cash
5.51M▲ 0%
9.2M▲ 67.0%
3.59M▼ 61.0%
-24.95M▼ 794.7%
650.04M▲ 2705.9%
-471.02M▼ 172.5%
140.99M▲ 129.9%
-30.61M▼ 121.7%
284.46M▲ 1029.1%
Exchange Rate Effect000000000
Cash at Beginning25.61M31.12M40.32M43.91M163.12M813.16M342.14M483.13M452.51M
Cash at End31.12M40.32M43.91M18.96M813.16M342.14M483.13M452.51M736.97M
Interest Paid2.87M3.88M6.55M6.55M3.82M20.07M91.44M123.68M119.08M
Income Taxes Paid3.82M2.52M4.48M5.36M8.76M23.5M6.84M10.54M9.47M
Free Cash Flow
6.56M▲ 0%
13.25M▲ 102.0%
12.46M▼ 6.0%
13.96M▲ 12.1%
27.25M▲ 95.2%
64.26M▲ 135.8%
185.29M▲ 188.4%
249.89M▲ 34.9%
246.15M▼ 1.5%
FCF Growth %5.7%102.03%-6%12.07%95.2%135.78%188.35%34.86%-1.5%

CCB Banking Ratios

Coastal Financial Corporation (CCB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)8.9%8.66%11.1%11.32%11.46%15.82%18.27%16.56%12.33%10.11%
Return on Assets (ROA)0.78%0.7%1.1%1.27%1.05%1.23%1.41%1.29%1.15%1.06%
Net Interest Margin3.5%3.61%3.64%3.71%3.24%3%5.45%6.17%6.61%6.54%
Efficiency Ratio64.41%61.86%59.3%54.65%53.33%54.54%35.38%24.44%20.45%43.52%
Equity / Assets8.09%8.16%11.46%11%7.94%7.64%7.74%7.87%10.65%10.35%
Book Value / Share5.255.7610.2910.1811.4816.0718.0221.6331.6231.78
NII Growth-12.19%19.11%20.69%36.62%38.5%116.58%34.86%17.91%13.75%

CCB SEC Filings & Documents

Coastal Financial Corporation (CCB) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 29, 2026·SEC

Material company update

Apr 29, 2026·SEC

Material company update

Apr 29, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 27, 2026·SEC

FY 2025

Mar 17, 2025·SEC

FY 2024

Mar 15, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

FY 2025

May 9, 2025·SEC

CCB Frequently Asked Questions

Coastal Financial Corporation (CCB) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Coastal Financial Corporation (CCB) grew revenue by 14.7% over the past year. This is steady growth.

Yes, Coastal Financial Corporation (CCB) is profitable, generating $47.0M in net income for fiscal year 2025 (7.1% net margin).

Dividend & Returns

Coastal Financial Corporation (CCB) has a return on equity (ROE) of 10.1%. This is reasonable for most industries.

Industry Metrics

Coastal Financial Corporation (CCB) has a net interest margin (NIM) of 6.5%. This indicates healthy earnings from lending activities.

Coastal Financial Corporation (CCB) has an efficiency ratio of 43.5%. This is excellent, indicating strong cost control.

Explore More CCB

Coastal Financial Corporation (CCB) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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