8-K Announcements
6Apr 29, 2026·SEC
Apr 29, 2026·SEC
Apr 29, 2026·SEC
Coastal Financial Corporation (CCB) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Coastal Financial Corporation (CCB) stock price & volume — 10-year historical chart
Coastal Financial Corporation (CCB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Coastal Financial Corporation (CCB) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 29, 2026 | $0.78vs $1.02-23.5% | $149Mvs $139M+7.8% |
| Q1 2026 | Jan 29, 2026 | $0.82vs $1.16-29.3% | $138Mvs $141M-1.9% |
| Q4 2025 | Oct 29, 2025 | $0.88vs $0.87+0.8% | $141Mvs $138M+2.0% |
| Q3 2025 | Jul 29, 2025 | $0.71vs $0.84-15.5% | $115Mvs $158M-27.1% |
Coastal Financial Corporation (CCB) competitors in Digital banks and banking-as-a-service — business model, growth, and fundamentals comparison
Coastal Financial Corporation (CCB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Coastal Financial Corporation (CCB) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 29.1M | 34.66M | 41.83M | 57.15M | 79.15M | 171.43M | 231.19M | 272.59M | 310.06M |
| 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 Income | 31.98M | 38.59M | 48.41M | 62.8M | 82.8M | 191.82M | 322.83M | 396.34M | 429.62M |
| Interest Expense | 2.88M | 3.93M | 6.58M | 5.65M | 3.65M | 20.39M | 91.64M | 123.75M | 119.55M |
| Loan Loss Provision | 870K | 1.83M | 2.54M | 8.31M | 9.91M | 79.06M | 183.99M | 277.61M | 192.63M |
| Non-Interest Income | 4.29M | 5.62M | 8.44M | 8.12M | 22.66M | 40.42M | 117.6M | 180.27M | 231.61M |
| 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 Expense | 22.43M | 26.22M | 31.06M | 37.83M | 57.52M | 82.17M | 107.66M | 117.94M | 287.8M |
| Efficiency Ratio | 61.86% | 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 Tax | 4.65M | 2.54M | 3.46M | 4M | 7.37M | 10M | 12.55M | 12.1M | 14.25M |
| 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) | 5.44M | 9.7M | 13.2M | 15.15M | 27M | 40.63M | 44.58M | 45.22M | 46.99M |
| 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) | 0.48 | 0.93 | 1.11 | 1.27 | 2.25 | 3.14 | 3.36 | 3.35 | 3.12 |
| Diluted Shares Outstanding | 11.4M | 10.61M | 12.2M | 12.21M | 12.52M | 13.52M | 13.64M | 13.88M | 15.45M |
Coastal Financial Corporation (CCB) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 126.68M | 162.44M | 156.17M | 183.52M | 848.49M | 439.46M | 582.63M | 452.55M | 34.27M |
| Cash & Due from Banks | 89.75M | 125.78M | 127.81M | 163.12M | 813.16M | 342.14M | 483.13M | 452.51M | 34.24M |
| Short Term Investments | 36.93M | 36.66M | 28.36M | 20.4M | 35.33M | 97.32M | 99.5M | 35K | 29K |
| Total Investments | 690.79M | 800.18M | 964.85M | 1.56B | 1.77B | 2.72B | 3.18B | 3.57B | 4.42B |
| Investments Growth % | 10.23% | 15.84% | 20.58% | 61.39% | 13.53% | 53.6% | 17.02% | 12.35% | 23.66% |
| Long-Term Investments | 653.86M | 763.52M | 936.49M | 1.54B | 1.73B | 2.62B | 3.08B | 3.57B | 4.42B |
| Accounts Receivables | 2.27M | 2.53M | 2.98M | 8.62M | 9.37M | 28.23M | 32.55M | 35.24M | 3.6B |
| Goodwill & Intangibles | 0 | 0 | 0 | 0 | 269K | 0 | 0 | 0 | 4.54M |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4.54M |
| Intangible Assets | 0 | 0 | 0 | 0 | 269K | 0 | 0 | 0 | 0 |
| PP&E (Net) | 13.12M | 13.17M | 21.6M | 24.23M | 23.32M | 23.23M | 28.02M | 32.65M | 34.15M |
| Other Assets | 7.73M | 7.94M | 8.54M | 9.18M | 14.66M | 16.9M | 24.86M | 27.02M | -4.42B |
| Total Current Assets | 128.95M | 164.97M | 159.15M | 192.13M | 857.86M | 467.69M | 615.18M | 487.79M | 3.63B |
| Total Non-Current Assets | 676.8M | 787.14M | 969.37M | 1.57B | 1.78B | 2.68B | 3.13B | 3.63B | 38.68M |
| 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 Payable | 228K | 279K | 308K | 531K | 2.2M | 21.1M | 31.18M | 30.13M | 0 |
| Total Debt | 33.53M | 33.55M | 32.24M | 199.62M | 59.19M | 52.82M | 53.86M | 53.28M | 58M |
| Net Debt | -56.22M | -92.24M | -95.57M | 36.5M | -753.97M | -289.32M | -429.27M | -399.23M | 23.76M |
| Long-Term Debt | 33.53M | 33.55M | 23.56M | 38.58M | 52.87M | 47.59M | 47.73M | 47.88M | 53.02M |
| Short-Term Debt | 0 | 0 | 0 | 153.72M | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 2.99M | 5.51M | 3.85M | 4.45M | 9.12M | 9.53M | 9.62M | 13.76M | 3.97B |
| Total Current Liabilities | 703.52M | 803.89M | 968.27M | 1.58B | 2.37B | 2.84B | 3.39B | 3.62B | 4.98M |
| Total Non-Current Liabilities | 36.52M | 39.06M | 36.09M | 50.35M | 68.31M | 62.35M | 63.48M | 67.04M | 4.03B |
| Total Liabilities | 740.04M | 842.95M | 1B | 1.63B | 2.43B | 2.9B | 3.46B | 3.68B | 4.25B |
| 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 Share | 5.76 | 10.29 | 10.18 | 11.48 | 16.07 | 18.02 | 21.63 | 31.62 | 31.78 |
| Tangible BV per Share | 5.76 | 10.29 | 10.18 | 11.48 | 16.05 | 18.02 | 21.63 | 31.62 | 31.48 |
| Common Stock | 52.52M | 86.43M | 86.98M | 87.81M | 121.84M | 125.83M | 130.14M | 228.18M | 233.44M |
| Additional Paid-in Capital | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 14.13M | 24.02M | 37.22M | 52.37M | 79.37M | 120M | 165.31M | 210.53M | 257.52M |
| Accumulated OCI | -944K | -1.3M | -32K | 34K | 4K | -2.33M | -469K | -2K | -1K |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Coastal Financial Corporation (CCB) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 7.62M | 14.4M | 13.67M | 19.33M | 29.85M | 67.1M | 191.54M | 259.79M | 254.58M |
| Operating CF Growth % | 7.03% | 89.08% | -5.08% | 41.39% | 54.41% | 124.81% | 185.46% | 35.63% | -2% |
| Net Income | 5.44M | 9.7M | 13.2M | 15.15M | 27M | 40.63M | 44.58M | 45.22M | 46.99M |
| Depreciation & Amortization | 993K | 1.07M | 1.24M | 1.36M | 1.59M | 1.81M | 2.33M | 4.55M | 6.51M |
| Deferred Taxes | 1.28M | -382K | -561K | -1.07M | -3.01M | -11.02M | 13.88M | 138K | 4.45M |
| Other Non-Cash Items | 587K | 1.38M | 1.66M | 8.48M | 6.82M | 79.2M | 183.5M | 277.58M | 193.08M |
| Working Capital Changes | -968K | 2.32M | -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 Investments | 1.78M | 229K | 40.17M | 39.48M | 104.05M | 70.27M | 1.28M | 103.57M | 4.21M |
| Net Investment Activity | -3.81M | 143K | 6.3M | 7.54M | -14.39M | -66.87M | -48.96M | 103.03M | -938K |
| Acquisitions | 0 | 0 | 0 | 0 | -19.98M | 0 | 0 | 0 | 0 |
| Other Investing | -56.89M | -138.12M | -169.64M | -668.72M | -202.67M | -918.24M | -538.81M | -701.69M | -516.28M |
| Cash from Financing | 59.65M | 133.92M | 154.47M | 622.26M | 859.84M | 449.83M | 543.46M | 318.17M | 555.52M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | -3K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -3.53M |
| Stock Issued | 0 | 33.24M | 0 | 0 | 32.39M | 1.47M | 618K | 91.8M | 186K |
| Net Stock Activity | -3K | 33.24M | 0 | 0 | 32.39M | 1.47M | 618K | 91.8M | -3.34M |
| Debt Issuance (Net) | 1000K | 0 | -1000K | 1000K | -1000K | -1000K | 0 | 0 | 0 |
| Other Financing | 54.66M | 100.68M | 164.47M | 453.55M | 966.9M | 453.73M | 542.84M | 226.36M | 558.87M |
| 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 Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 25.61M | 31.12M | 40.32M | 43.91M | 163.12M | 813.16M | 342.14M | 483.13M | 452.51M |
| Cash at End | 31.12M | 40.32M | 43.91M | 18.96M | 813.16M | 342.14M | 483.13M | 452.51M | 736.97M |
| Interest Paid | 2.87M | 3.88M | 6.55M | 6.55M | 3.82M | 20.07M | 91.44M | 123.68M | 119.08M |
| Income Taxes Paid | 3.82M | 2.52M | 4.48M | 5.36M | 8.76M | 23.5M | 6.84M | 10.54M | 9.47M |
| 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% |
Coastal Financial Corporation (CCB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 Margin | 3.5% | 3.61% | 3.64% | 3.71% | 3.24% | 3% | 5.45% | 6.17% | 6.61% | 6.54% |
| Efficiency Ratio | 64.41% | 61.86% | 59.3% | 54.65% | 53.33% | 54.54% | 35.38% | 24.44% | 20.45% | 43.52% |
| Equity / Assets | 8.09% | 8.16% | 11.46% | 11% | 7.94% | 7.64% | 7.74% | 7.87% | 10.65% | 10.35% |
| Book Value / Share | 5.25 | 5.76 | 10.29 | 10.18 | 11.48 | 16.07 | 18.02 | 21.63 | 31.62 | 31.78 |
| NII Growth | - | 12.19% | 19.11% | 20.69% | 36.62% | 38.5% | 116.58% | 34.86% | 17.91% | 13.75% |
Coastal Financial Corporation (CCB) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 29, 2026·SEC
Apr 29, 2026·SEC
Apr 29, 2026·SEC
Coastal Financial Corporation (CCB) stock FAQ — growth, dividends, profitability & financials explained
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).
Coastal Financial Corporation (CCB) has a return on equity (ROE) of 10.1%. This is reasonable for most industries.
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.
Coastal Financial Corporation (CCB) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates