Coastal Financial Financials
Coastal Financial (CCB) reported $429.6M in revenue for fiscal year 2025, up 8.3% from the prior fiscal year. 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).
Coastal Financial’s balance-sheet expansion is outpacing earnings growth, leaving returns on assets and equity gradually thinner.
From FY2023 to FY2025, total assets climbed by$991M while net income increased only$2.4M , so scale added far more balance-sheet volume than earnings. Equity capital also rose materially, and the result was a safer but less efficient balance sheet, with ROE falling from15.1% to9.6% .
The capital structure improved since FY2023: reported debt-to-equity fell from 11.7x to 8.7x, which means recent growth is carrying more equity support. Even so, liabilities were still about
At the per-share level, the business did not improve as much as headline profit suggests: diluted EPS slipped from
Financial Health Signals
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'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.
Coastal Financial 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.
For every $1 of reported earnings, Coastal Financial 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
Earnings & Revenue
Coastal Financial generated $429.6M in revenue in fiscal year 2025. This represents an increase of 8.3% from the prior year.
Coastal Financial reported $47.0M in net income in fiscal year 2025. This represents an increase of 3.9% from the prior year.
Coastal Financial earned $3.06 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 6.1% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
Coastal Financial generated $246.1M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 1.5% from the prior year.
Coastal Financial held $737.0M in cash as of fiscal year 2025; long-term debt is not reported for that period.
Not reported for fiscal year 2025.
Margins & Returns
Coastal Financial's net profit margin was 10.9% in fiscal year 2025, showing the share of revenue converted to profit. This is down 0.5 percentage points from the prior year.
Coastal Financial's ROE was 9.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 0.7 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
Coastal Financial invested $8.4M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 14.8% from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
CCB Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $447.1M | $429.6M+8.3% | $396.8M+22.8% | $323.2M+68.2% | $192.2M+131.3% | $83.1M+31.8% | $63.0M+29.7% | $48.6M+25.4% | $38.7M+20.6% | $32.1M |
| 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 (Diluted) | — | $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 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
CCB Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 |
|---|---|---|---|---|---|---|---|---|---|
| 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 |
| 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 |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Long-Term Debt.
CCB Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| 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 |
Not reported in any period shown, so not listed: Dividends Paid.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
CCB Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 |
|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 10.9%-0.5pp | 11.4%-2.4pp | 13.8%-7.4pp | 21.1%-11.4pp | 32.5%+8.5pp | 24.0%-3.1pp | 27.2%+2.1pp | 25.0%+8.1pp | 16.9% |
| 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 |
| FCF Margin | 57.3%-5.7pp | 63.0%+5.6pp | 57.3%+23.9pp | 33.4%+0.6pp | 32.8%+10.7pp | 22.1%-3.5pp | 25.6%-8.6pp | 34.2%+13.8pp | 20.4% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Where Coastal Financial Ranks
Frequently Asked Questions
What is Coastal Financial's annual revenue?
Coastal Financial (CCB) reported $429.6M in total revenue for fiscal year 2025. This represents a 8.3% 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's revenue growing?
Coastal Financial (CCB) revenue grew by 8.3% year-over-year, from $396.8M to $429.6M in fiscal year 2025.
Is Coastal Financial profitable?
Yes, Coastal Financial (CCB) reported a net income of $47.0M in fiscal year 2025, with a net profit margin of 10.9%.
What is Coastal Financial's net profit margin?
Coastal Financial (CCB) had a net profit margin of 10.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Coastal Financial's return on equity (ROE)?
Coastal Financial (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's free cash flow?
Coastal Financial (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's operating cash flow?
Coastal Financial (CCB) generated $254.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Coastal Financial's total assets?
Coastal Financial (CCB) had $4.7B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Coastal Financial's capital expenditures?
Coastal Financial (CCB) invested $8.4M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Coastal Financial's debt-to-equity ratio?
Coastal Financial (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's return on assets (ROA)?
Coastal Financial (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's Piotroski F-Score?
Coastal Financial (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's earnings high quality?
Coastal Financial (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?
Coastal Financial (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.