Coastal Financial Corp (CCB) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Coastal Financial reported revenue of $541.7M, down 6.8% from $581.2M the year before. Net income was $47.0M (a 8.7% net margin), or $3.06 per diluted share. Net interest income was $310.1M, and the efficiency ratio (noninterest expense / revenue) was 53.1%. Operating activities generated $254.6M of cash, leaving $246.1M of free cash flow. At fiscal year end, Coastal Financial held $4.74B in total assets against $4.25B in total liabilities.
Open the full interactive Coastal Financial financials → Quarterly statements, key ratios, valuation history and price charts.
Coastal Financial Key Stats
| Share Price | $41.45 |
|---|---|
| Market Cap | $631.8M |
| P/E Ratio | 13.5 |
| Revenue YoY Growth | -6.8% |
| 52-Week Range | $37.54 – $118.97 |
| Shares Outstanding | 15.2 million (basic, 2026 Q2) |
Coastal Financial Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $57.4M | $79.4M | $171.8M | $238.7M | $273.0M | $310.1M |
| Provision for Credit Losses | $8.3M | $9.9M | $79.1M | $184.0M | $277.6M | $192.6M |
| Noninterest Income | $8.2M | $28.1M | $124.7M | $207.2M | $308.2M | $231.6M |
| Noninterest Expense | $38.1M | $63.3M | $166.8M | $204.8M | $246.3M | $287.8M |
| Revenue | $65.6M | $107.6M | $296.5M | $445.9M | $581.2M | $541.7M |
| Pre-Tax Income | $19.1M | $34.4M | $50.6M | $57.1M | $57.3M | $61.2M |
| Income Tax | $4.0M | $7.4M | $10.0M | $12.6M | $12.1M | $14.3M |
| Net Income | $15.1M | $27.0M | $40.6M | $44.6M | $45.2M | $47.0M |
| Diluted EPS | $1.24 | $2.16 | $3.01 | $3.27 | $3.26 | $3.06 |
Coastal Financial Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $144.7M | $138.0M | $149.4M | $178.1M |
| Net Income | $13.6M | $12.6M | $12.0M | -$42.1M |
| Diluted EPS | $0.88 | $0.82 | $0.78 | -$2.76 |
Coastal Financial Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Loans (Net) | $1.53B | $1.71B | $2.55B | $2.91B | $3.31B | $3.58B |
| Total Assets | $1.77B | $2.64B | $3.14B | $3.75B | $4.12B | $4.74B |
| Deposits | $1.42B | $2.36B | $2.82B | $3.36B | $3.59B | $4.14B |
| Total Long-Term Debt | $13.6M | $27.9M | $47.6M | $95.5M | $95.8M | $96.1M |
| Total Liabilities | $1.63B | $2.43B | $2.90B | $3.46B | $3.68B | $4.25B |
| Shareholders' Equity | $140.2M | $201.2M | $243.5M | $295.0M | $438.7M | $491.0M |
Coastal Financial Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $19.3M | $29.8M | $67.1M | $196.5M | $259.8M | $254.6M |
| Cash From Investing | -$666.5M | -$894.2M | -$987.9M | -$599.0M | -$608.6M | -$525.7M |
| Cash From Financing | $622.3M | $859.8M | $449.8M | $543.5M | $318.2M | $555.5M |
| Free Cash Flow | $14.0M | $27.3M | $64.3M | $190.3M | $249.9M | $246.1M |
Figures from Coastal Financial's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Coastal Financial financials page for every line item.
Coastal Financial Company Profile
| Ticker | CCB |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Everett, Washington |
| Incorporated in | Washington |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0001437958 |
Frequently Asked Questions
What was Coastal Financial's revenue in fiscal 2025?
Coastal Financial (CCB) reported revenue of $541.7M for fiscal 2025.
What is Coastal Financial's annual revenue history?
Coastal Financial's annual revenue by fiscal year: 2020: $65.6M; 2021: $107.6M; 2022: $296.5M; 2023: $445.9M; 2024: $581.2M; 2025: $541.7M.
What was Coastal Financial's net income in fiscal 2025?
Coastal Financial reported net income of $47.0M for fiscal 2025.
What was Coastal Financial's earnings per share (EPS) in fiscal 2025?
Coastal Financial's diluted EPS was $3.06 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Coastal Financial generate in fiscal 2025?
Coastal Financial generated $246.1M of free cash flow in fiscal 2025.
What was Coastal Financial's revenue last quarter?
In its most recent reported quarter (2026 Q2), Coastal Financial reported revenue of $178.1M.
How much debt does Coastal Financial have?
Coastal Financial reported $96.1M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Coastal Financial are outstanding?
Coastal Financial reported a weighted average of 15.2 million basic shares outstanding in 2026 Q2.
What is Coastal Financial's market cap?
Based on its latest closing price, Coastal Financial (CCB) has a market capitalization of about $631.8M.
When does Coastal Financial's fiscal year end?
Coastal Financial's fiscal year end, as registered with the SEC, is December 31.
Where is Coastal Financial headquartered?
Coastal Financial lists its business address in Everett, Washington in its SEC filings.