Coastal Financial Financials

Coastal Financial (CCB) reported $396.8M in total revenue for fiscal year 2024. This represents a 22.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

Coastal Financial (CCB) revenue grew by 22.8% year-over-year, from $323.2M to $396.8M in fiscal year 2024.

Yes, Coastal Financial (CCB) reported a net income of $45.2M in fiscal year 2024, with a net profit margin of 11.4%.

Coastal Financial (CCB) reported diluted earnings per share of $3.26 for fiscal year 2024. This represents a -0.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Coastal Financial (CCB) had a net profit margin of 11.4% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Coastal Financial (CCB) has a return on equity of 10.3% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

Coastal Financial (CCB) generated $249.9M in free cash flow during fiscal year 2024. This represents a 34.9% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

Coastal Financial (CCB) generated $259.8M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

Coastal Financial (CCB) had $4.1B in total assets as of fiscal year 2024, including both current and long-term assets.

Coastal Financial (CCB) invested $9.9M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

Coastal Financial (CCB) had 15M shares outstanding as of fiscal year 2024.

Coastal Financial (CCB) had a debt-to-equity ratio of 8.39 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

Coastal Financial (CCB) had a return on assets of 1.1% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

Coastal Financial (CCB) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals.

Coastal Financial (CCB) has an earnings quality ratio of 5.75x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation.

Coastal Financial (CCB) scores 59 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks.