What is Coastal Financial Corporation's earnings per share (EPS)?

Coastal Financial Corporation (CCB) reported diluted earnings per share of $3.06 for fiscal year 2025. This represents a -6.1% 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 Corporation (CCB) Financials

CCB

Trailing 12 months to June 30, 2026

Revenue $610.2M +9.6% YoY

Net Income -$3.9M -108.1% YoY

EPS (Diluted) -$0.28 -108.6% YoY

Free Cash Flow $262.1M +1.4% YoY

Market Cap $614.1M as of Oct 2, 2026

Price / Sales 1.0x on $610.2M revenue, trailing 12 months to June 30, 2026

Price / Earnings n/m net loss, so no earnings multiple, trailing 12 months to June 30, 2026

Price / Book 1.3x on $463.4M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 2, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 7, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CCB SEC filings page.

Coastal Financial Corporation (CCB) reported $610.2M in revenue over the twelve months to Jun 30, 2026, up 9.6% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 9 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI CCB FY2025 2026-09-05

The balance-sheet funding model places modest earnings atop heavy leverage, with cash flow shaped by financing activity.

In FY2025, operating cash flow of $254.6M dwarfed net income of $47.0M; that gap makes cash generation look much stronger than earnings alone would suggest. Free cash flow nearly matched operating cash flow, and the same pattern held in FY2024, pointing to balance-sheet flows rather than simple profit conversion.

FY2025 liabilities were $4.3B against equity of $491M, leaving the business structurally dependent on a large liability base rather than shareholder capital. Debt-to-equity was 8.7x, up from 8.4x in FY2024, so the earlier multi-year deleveraging has paused.

Revenue fell 6.8% in FY2025 while net income rose 3.9%, so earnings resilience came without top-line growth. Net margin moved from 7.8% to 8.7% while SG&A rose, pointing to changing financing economics or mix rather than simple overhead reduction.

Financial Health Signals

Financial Health Score 53/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Coastal Financial Corporation's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Coastal Financial Corporation earned a return on assets of 1.0% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is down from 1.1% the prior year. Earnings ranks banks on that return over three years, and Coastal Financial Corporation scores 65/100 among other banks.

Growth

Coastal Financial Corporation reported revenue of $541.7M in fiscal year 2025, against $581.2M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Coastal Financial Corporation scores 63/100 among other banks.

Capital

Coastal Financial Corporation funded 10.4% of its assets with shareholders' equity at the end of fiscal year 2025, holding $491.0M of equity against $4.7B of assets. Capital ranks banks on that cushion, and Coastal Financial Corporation scores 34/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Coastal Financial Corporation scores 91/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Coastal Financial Corporation scores 2/100 on it among other banks.

Stability

Coastal Financial Corporation reported net income of $47.0M in fiscal year 2025, against $45.2M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Coastal Financial Corporation scores 65/100 among other banks.

Piotroski F-Score Partial

3/6

Coastal Financial Corporation passes 3 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

5.42x

For every $1 of reported earnings, Coastal Financial Corporation generates $5.42 in operating cash flow ($254.6M OCF vs $47.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$178.1M

YoY+49.1%

QoQ+19.2%

5Y CAGR+50.1%

Coastal Financial Corporation generated $178.1M in revenue in Q2 2026. This represents an increase of 49.1% from the same quarter a year earlier. Against the prior quarter it is up 19.2%.

Net Income

-$42.1M

YoY-481.8%

QoQ-450.3%

Coastal Financial Corporation reported -$42.1M in net income in Q2 2026. This represents a decrease of 481.8% from the same quarter a year earlier. Against the prior quarter it is down 450.3%.

EPS (Diluted)

-$2.76

YoY-488.7%

QoQ-453.8%

Coastal Financial Corporation earned -$2.76 per diluted share (EPS) in Q2 2026. This represents a decrease of 488.7% from the same quarter a year earlier. Against the prior quarter it is down 453.8%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$74.6M

YoY+16.7%

QoQ+0.7%

5Y CAGR+133.1%

Coastal Financial Corporation generated $74.6M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 16.7% from the same quarter a year earlier. Against the prior quarter it is up 0.7%.

Cash & Debt

$1.0B

YoY+40.1%

QoQ-32.6%

5Y CAGR+100.1%

Coastal Financial Corporation held $1.0B in cash as of Q2 2026; long-term debt is not reported for that period.

Shares Outstanding

15M

YoY+1.2%

QoQ+0.2%

5Y CAGR+4.9%

Coastal Financial Corporation had 15M shares outstanding in Q2 2026. This represents an increase of 1.2% from the same quarter a year earlier. Against the prior quarter it is up 0.2%.

Dividends Per Share

Not reported for Q2 2026.

Margins & Returns

Net Margin

-23.6%

YoY-32.9pp

QoQ-31.7pp

5Y change-53.6pp

Coastal Financial Corporation's net profit margin was -23.6% in Q2 2026, showing the share of revenue converted to profit. This is down 32.9 percentage points from the same quarter a year earlier. Against the prior quarter it is down 31.7 percentage points.

Return on Equity

-9.1%

YoY-11.5pp

QoQ-11.5pp

5Y change-13.6pp

Coastal Financial Corporation's ROE was -9.1% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 11.5 percentage points from the same quarter a year earlier. Against the prior quarter it is down 11.5 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$2.2M

YoY+6.1%

QoQ+19.9%

5Y CAGR+11.3%

Coastal Financial Corporation invested $2.2M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 6.1% from the same quarter a year earlier. Against the prior quarter it is up 19.9%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

CCB Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CCB quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K
Revenue	$610.2M	$541.7M-6.8%	$581.2M+33.4%	$435.7M+47.8%	$294.7M+174.0%	$107.6M+64.0%	$65.6M+30.4%	$50.3M+24.8%	$40.3M+20.6%	$33.4M
SG&A Expenses	$89.5M	$85.8M+22.7%	$69.9M+5.2%	$66.5M+27.3%	$52.2M+40.8%	$37.1M+59.2%	$23.3M+22.9%	$19.0M+18.3%	$16.0M+19.7%	$13.4M
Interest Expense	$117.2M	$119.6M-3.4%	$123.7M+35.0%	$91.6M+349.3%	$20.4M+459.4%	$3.6M-35.5%	$5.7M-14.1%	$6.6M+67.5%	$3.9M+36.6%	$2.9M
Income Tax	-$1.7M	$14.3M+17.8%	$12.1M-3.6%	$12.6M+25.6%	$10.0M+35.6%	$7.4M+84.5%	$4.0M+15.4%	$3.5M+36.2%	$2.5M-45.4%	$4.7M
Net Income	-$3.9M	$47.0M+3.9%	$45.2M+1.4%	$44.6M+9.7%	$40.6M+50.4%	$27.0M+78.3%	$15.1M+14.7%	$13.2M+36.1%	$9.7M+78.5%	$5.4M
EPS (Basic)	N/A	$3.12-6.9%	$3.35-0.3%	$3.36+7.0%	$3.14+39.6%	$2.25+77.2%	$1.27+14.4%	$1.11+19.4%	$0.93+57.6%	$0.59
EPS (Diluted)	-$0.28	$3.06-6.1%	$3.26-0.3%	$3.27+8.6%	$3.01+39.4%	$2.16+74.2%	$1.24+14.8%	$1.08+18.7%	$0.91+54.2%	$0.59
Diluted Shares (Avg)	N/A	15M+10.6%	14M+1.7%	14M+0.9%	14M+7.9%	13M+2.6%	12M+0.1%	12M+15.0%	11M+14.8%	9M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$178.1M+49.1%	$149.4M+7.1%	$138.0M-5.8%	$144.7M-4.2%	$119.4M-11.7%	$139.5M-6.0%	$146.5M+21.7%	$151.1M+60.3%
SG&A Expenses	$23.6M+10.1%	$23.1M+7.4%	$22.6M+26.4%	$20.1M+18.1%	$21.4M+26.4%	$21.5M+19.7%	$17.9M+8.6%	$17.1M-5.7%
Interest Expense	$29.2M-6.0%	$28.3M-1.8%	$28.5M-5.2%	$31.1M-5.4%	$31.1M-0.6%	$28.8M-2.3%	$30.1M+5.2%	$32.9M+26.0%
Income Tax	-$13.1M-489.7%	$2.6M+25.8%	$4.5M+18.4%	$4.3M+47.5%	$3.4M-1.9%	$2.0M+6.5%	$3.8M+34.6%	$2.9M+5.1%
Net Income	-$42.1M-481.8%	$12.0M+23.5%	$12.6M-5.4%	$13.6M+1.0%	$11.0M-4.9%	$9.7M+43.1%	$13.4M+48.3%	$13.5M+31.0%
EPS (Basic)	-$2.76-478.1%	$0.79+21.5%	$0.83-14.4%	$0.90-10.0%	$0.73-15.1%	$0.65+27.5%	$0.97+42.6%	$1.00+29.9%
EPS (Diluted)	-$2.76-488.7%	$0.78+23.8%	$0.82-12.8%	$0.88-9.3%	$0.71-15.5%	$0.63+26.0%	$0.94+42.4%	$0.97+29.3%
Diluted Shares (Avg)	15M-1.3%	15M-0.3%	N/A	15M+11.7%	15M+12.5%	15M+13.1%	N/A	14M+1.1%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

CCB Balance Sheet

CCB quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K
Total Assets	$4.7B+15.0%	$4.1B+9.9%	$3.8B+19.3%	$3.1B+19.3%	$2.6B+49.2%	$1.8B+56.5%	$1.1B+18.5%	$952.1M+18.2%	$805.8M
Cash & Equivalents	$737.0M+62.9%	$452.5M-6.3%	$483.1M+41.2%	$342.1M-57.9%	$813.2M+398.5%	$163.1M+271.5%	$43.9M+8.9%	$40.3M+29.6%	$31.1M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$4.3B+15.4%	$3.7B+6.6%	$3.5B+19.1%	$2.9B+19.2%	$2.4B+49.7%	$1.6B+61.9%	$1.0B+19.1%	$843.0M+13.9%	$740.0M
Total Equity	$491.0M+11.9%	$438.7M+48.7%	$295.0M+21.1%	$243.5M+21.0%	$201.2M+43.5%	$140.2M+12.9%	$124.2M+13.8%	$109.2M+66.1%	$65.7M
Retained Earnings	$257.5M+22.3%	$210.5M+27.4%	$165.3M+37.8%	$120.0M+51.2%	$79.4M+51.6%	$52.4M+40.7%	$37.2M+55.0%	$24.0M+70.0%	$14.1M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$5.5B+21.8%	$5.7B+30.5%	$4.7B+15.0%	$4.6B+12.0%	$4.5B+13.2%	$4.3B+12.3%	$4.1B+9.9%	$4.1B+10.5%
Cash & Equivalents	$1.0B+40.1%	$1.5B+139.5%	$737.0M+62.9%	$642.3M+32.7%	$719.8M+47.7%	$624.3M+21.2%	$452.5M-6.3%	$484.0M+1.9%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$5.0B+24.2%	$5.2B+32.7%	$4.3B+15.4%	$4.1B+9.2%	$4.0B+10.3%	$3.9B+9.3%	$3.7B+6.6%	$3.7B+10.0%
Total Equity	$463.4M+0.4%	$503.8M+12.0%	$491.0M+11.9%	$475.3M+43.2%	$461.7M+45.8%	$449.9M+48.1%	$438.7M+48.7%	$331.9M+16.7%
Retained Earnings	$227.4M-1.7%	$269.5M+22.4%	$257.5M+22.3%	$244.9M+24.2%	$231.3M+25.9%	$220.3M+28.0%	$210.5M+27.4%	$197.2M+26.1%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

CCB Cash Flow Statement

CCB quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K
Operating Cash Flow	$269.7M	$254.6M-2.0%	$259.8M+35.6%	$191.5M+185.5%	$67.1M+124.8%	$29.8M+54.4%	$19.3M+41.4%	$13.7M-5.1%	$14.4M+89.1%	$7.6M
Depreciation & Amortization	N/A	$6.5M+43.1%	$4.6M+95.5%	$2.3M+28.7%	$1.8M+14.0%	$1.6M+17.0%	$1.4M+9.3%	$1.2M+15.9%	$1.1M+7.9%	$993K
Stock-Based Compensation	N/A	$8.6M+77.6%	$4.8M+31.3%	$3.7M+46.5%	$2.5M+96.0%	$1.3M+103.8%	$630K+46.2%	$431K+39.0%	$310K+8.8%	$285K
Capital Expenditures	$7.6M	$8.4M-14.8%	$9.9M+58.5%	$6.2M+120.0%	$2.8M+9.4%	$2.6M-51.7%	$5.4M+342.5%	$1.2M+5.6%	$1.1M+8.7%	$1.1M
Free Cash Flow	$262.1M	$246.1M-1.5%	$249.9M+34.9%	$185.3M+188.4%	$64.3M+135.8%	$27.3M+95.2%	$14.0M+12.1%	$12.5M-6.0%	$13.3M+102.0%	$6.6M
Investing Cash Flow	-$926.9M	-$525.7M+13.6%	-$608.6M-2.5%	-$594.0M+39.9%	-$987.9M-312.3%	-$239.6M+64.0%	-$666.5M-305.1%	-$164.5M-18.3%	-$139.1M-125.3%	-$61.8M
Financing Cash Flow	$945.9M	$555.5M+74.6%	$318.2M-41.5%	$543.5M+20.8%	$449.8M-47.7%	$859.8M+38.2%	$622.3M+302.8%	$154.5M+15.3%	$133.9M+124.5%	$59.7M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$3K

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$76.9M+16.4%	$76.0M+6.0%	$57.8M-15.4%	$59.0M-5.7%	$66.0M-8.4%	$71.7M+26.3%	$68.3M+40.3%	$62.6M-1.7%
Depreciation & Amortization	$6.4M+284.3%	$1.7M+7.7%	$1.7M+18.5%	$1.6M+38.2%	$1.7M+53.9%	$1.6M+76.2%	$1.4M+86.8%	$1.2M+90.8%
Stock-Based Compensation	N/A	$2.0M-21.3%	N/A	N/A	N/A	$2.5M+115.3%	N/A	N/A
Capital Expenditures	$2.2M+6.1%	$1.8M-33.3%	$1.9M-36.3%	$1.7M-32.5%	$2.1M-20.7%	$2.8M+54.6%	$3.0M+30.0%	$2.5M+9.7%
Free Cash Flow	$74.6M+16.7%	$74.1M+7.6%	$55.9M-14.4%	$57.4M-4.6%	$64.0M-7.9%	$68.9M+25.4%	$65.3M+40.8%	$60.2M-2.1%
Investing Cash Flow	-$384.5M-319.3%	-$213.2M-103.6%	-$133.8M+10.7%	-$195.5M-30.0%	-$91.7M+49.3%	-$104.7M+18.0%	-$149.8M-34.7%	-$150.4M-1766.8%
Financing Cash Flow	-$179.4M-248.1%	$895.7M+337.3%	$170.7M+241.5%	$58.9M-30.3%	$121.1M+50.0%	$204.8M+99.1%	$50.0M-29.3%	$84.6M-33.5%

Not reported in any period shown, so not listed: Dividends Paid, Share Buybacks.

CCB Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CCB quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K
Net Margin	8.7%+0.9pp	7.8%-2.5pp	10.2%-3.6pp	13.8%-11.3pp	25.1%+2.0pp	23.1%-3.2pp	26.3%+2.2pp	24.1%+7.8pp	16.3%
Return on Equity	9.6%-0.7pp	10.3%-4.8pp	15.1%-1.6pp	16.7%+3.3pp	13.4%+2.6pp	10.8%+0.2pp	10.6%+1.7pp	8.9%+0.6pp	8.3%
Return on Assets	1.0%-0.1pp	1.1%-0.1pp	1.2%-0.1pp	1.3%+0.3pp	1.0%+0.2pp	0.9%-0.3pp	1.2%+0.1pp	1.0%+0.4pp	0.7%
Debt-to-Equity	8.66+0.3x	8.39-3.3x	11.71-0.2x	11.91-0.2x	12.10+0.5x	11.60+3.5x	8.09+0.4x	7.72-3.5x	11.26
Asset Turnover	0.110.0x	0.140.0x	0.120.0x	0.09+0.1x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.04
FCF Margin	45.4%+2.5pp	43.0%+0.5pp	42.5%+20.7pp	21.8%-3.5pp	25.3%+4.1pp	21.3%-3.5pp	24.8%-8.1pp	32.9%+13.3pp	19.7%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	-23.6%-32.9pp	8.0%+1.1pp	9.2%0.0pp	9.4%+0.5pp	9.2%+0.7pp	7.0%+2.4pp	9.1%+1.6pp	8.9%-2.0pp
Return on Equity	-9.1%-11.5pp	2.4%+0.2pp	2.6%-0.5pp	2.9%-1.2pp	2.4%-1.3pp	2.2%-0.1pp	3.0%0.0pp	4.0%+0.4pp
Return on Assets	-0.8%-1.0pp	0.2%0.0pp	0.3%-0.1pp	0.3%0.0pp	0.3%0.0pp	0.2%0.0pp	0.3%+0.1pp	0.3%+0.1pp
Debt-to-Equity	10.77+2.1x	10.24+1.6x	8.66+0.3x	8.58-2.7x	8.70-2.8x	8.64-3.1x	8.39-3.3x	11.24-0.7x
Asset Turnover	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.040.0x
FCF Margin	41.9%-11.6pp	49.6%+0.2pp	40.5%-4.1pp	39.7%-0.2pp	53.5%+2.2pp	49.4%+12.3pp	44.6%+6.0pp	39.8%-25.4pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

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Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Coastal Financial Corporation CCB	FY2025	$541.7M	$47.0M	8.7%	$614.1M	53/100
Lakeland Financial Corp LKFN	FY2025	$269.0M	$103.4M	38.4%	$1.4B	59/100
Stellar Bancorp, Inc. STEL	FY2025	$423.4M	$102.9M	24.3%	$2.0B	20/100
Northwest Bancshares, Inc NWBI	FY2025	$654.7M	$126.0M	19.3%	$2.2B	48/100
First Commonwealth Financial Corporation FCF	FY2025	$522.9M	$152.3M	29.1%	$2.0B	63/100
Pathward Financial, Inc. CASH	FY2025	$839.9M	$185.9M	22.1%	$1.5B	55/100

Where Coastal Financial Corporation Ranks

Frequently Asked Questions

What is Coastal Financial Corporation's annual revenue?

Coastal Financial Corporation (CCB) reported $541.7M in total revenue for fiscal year 2025. This represents a -6.8% 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.

How fast is Coastal Financial Corporation's revenue growing?

Coastal Financial Corporation (CCB) revenue declined by 6.8% year-over-year, from $581.2M to $541.7M in fiscal year 2025.

Is Coastal Financial Corporation profitable?

Yes, Coastal Financial Corporation (CCB) reported a net income of $47.0M in fiscal year 2025, with a net profit margin of 8.7%.

What is Coastal Financial Corporation's net profit margin?

Coastal Financial Corporation (CCB) had a net profit margin of 8.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Coastal Financial Corporation's return on equity (ROE)?

Coastal Financial Corporation (CCB) has a return on equity of 9.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Coastal Financial Corporation's free cash flow?

Coastal Financial Corporation (CCB) generated $246.1M in free cash flow during fiscal year 2025. This represents a -1.5% 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.

What is Coastal Financial Corporation's operating cash flow?

Coastal Financial Corporation (CCB) generated $254.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Coastal Financial Corporation's total assets?

Coastal Financial Corporation (CCB) had $4.7B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Coastal Financial Corporation's capital expenditures?

Coastal Financial Corporation (CCB) invested $8.4M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Coastal Financial Corporation have outstanding?

Coastal Financial Corporation (CCB) had 15M shares outstanding as of fiscal year 2025.

What is Coastal Financial Corporation's debt-to-equity ratio?

Coastal Financial Corporation (CCB) had a debt-to-equity ratio of 8.66 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Coastal Financial Corporation's return on assets (ROA)?

Coastal Financial Corporation (CCB) had a return on assets of 1.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Coastal Financial Corporation's P/E ratio?

Coastal Financial Corporation (CCB) has no price-to-earnings ratio at the moment: net loss, so no earnings multiple (trailing 12 months to June 30, 2026). The market capitalization is $614.1M as of Oct 2, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Coastal Financial Corporation's price-to-sales ratio?

Coastal Financial Corporation (CCB) trades at 1.0x sales, its market capitalization divided by revenue of $610.2M revenue, trailing 12 months to June 30, 2026. The market capitalization is $614.1M as of Oct 2, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Coastal Financial Corporation's Piotroski F-Score?

Coastal Financial Corporation (CCB) has a Piotroski F-Score of 3 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Coastal Financial Corporation's earnings high quality?

Coastal Financial Corporation (CCB) has an earnings quality ratio of 5.42x, 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. Learn more in our complete guide to financial health indicators.

How financially healthy is Coastal Financial Corporation?

Coastal Financial Corporation (CCB) scores 53 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.