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Coastal Financial Corporation

CCB Financial Banks Regional

Coastal Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $661.2 million, down 6.21% from fiscal 2024.

Revenue
+37.7%
EPS
0.00%
Free cash flow
−104.1%
Total debt
+0.31%

Quarter to September 2026, against a year earlier

43.17 1.28 −2.88%
Market cap
$661.2M
P/E
0.0×
Fwd P/E
1,443×
Dividend yield
—
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 1.12
Sold, $m 8.07
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — 3 — — —
Sell 3 6 2 1 — 2 1 — — — — —
Insider Ownership 14.86%

Capital & Financial Ratios $m

Size
Market Cap 661.22
Revenue ttm 727.37
Net income ttm (3.65)
Free cash flow ttm (10.70)
Net debt Q (755.40)
Valuation
P/E 0.00
Forward P/E 1,443.00 (above 35: high)
Price / sales 0.91
Forward P/S Powerpack
Price / FCF 2.54
Price / book 1.38
Financial health
Current ratio Q 0.00
Debt / equity Q 0.10
Interest coverage Q —
Growth
Revenue growth Q +37.72% (above 0%: growing)
Operating income growth Q +3.10% (above 0%: growing)
EPS, this year −94.08% (below 0%: weak)
EPS, next year A +2,779.17% (at or above 15%: strong)
Revenue, next year A −14.66% (below 0%: weak)
EPS, past 5 yrs +20.19% (at or above 15%: strong)
EPS, next 5 yrs A +29.31% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/S against its own 10 years 1.96%
10-year low 10-year high
P/B against its own 10 years 8.38%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 483 453 737 804
Receivables — — — —
Inventory — — — —
Other — — — —
3,420 3,818 4,430 —
2023 2024 2025 Q'26
Payables 3,360 3,585 4,144 4,679
ST’ Debt — — — —
Other — — — —
3,361 3,586 4,146 4,679

Compound Annual Growth %

10y 5y 3y
Sales — 56.15% 28.02%
Cash Flow — 67.46% 55.97%
Earnings — 25.41% 4.97%
Book Value — 28.48% 26.33%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.99 Actual 0.89

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 1.16 0.82 Miss by 0.34
Q1 FY26 1.02 0.78 Miss by 0.24
Q2 FY26 0.95 −2.76 Miss by 3.71
Q3 FY26 0.99 0.89 Miss by 0.10
Q4 FY26 1.08 — Reports 4 February 2027

EPS $

Mar Jun Sep Dec Year
’26 0.78 (2.76) 0.89 — —
’25 0.63 0.71 0.88 0.82 3.11
’24 0.50 0.84 0.97 0.94 3.25
’23 0.91 0.95 0.75 0.66 3.27
’22 0.46 0.76 0.82 0.96 3.01
’21 0.49 0.56 0.54 0.57 2.16
’20 0.22 0.30 0.34 0.38 1.24
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 178 207 — — —
’25 168 150 176 167 661
’24 178 167 184 177 705
’23 119 142 123 143 527
’22 52 67 90 106 315
’21 21 24 26 40 111
’20 16 17 18 20 71
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 76 77 — — —
’25 72 66 59 58 255
’24 57 72 63 68 260
’23 47 34 65 45 192
’22 8 13 21 25 67
’21 8 2 12 7 30
’20 5 3 5 6 19
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 74 75 (2) — —
’25 69 64 57 54 244
’24 55 69 60 65 250
’23 46 33 63 43 185
’22 7 12 21 25 64
’21 8 1 12 6 27
’20 4 0 4 6 14
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 33 36 44 57 71 111 315 527 705 661 727 +39.3% 564 682 818 +7.4%
Gross margin, % 92.45 92.07 91.12 88.43 92.06 96.72 93.53 82.62 82.45 81.92 83.89 (10.5) pt
EBT 7 10 12 17 19 34 51 57 57 61 (5) +26.4%
EBT margin, % 22.30 27.82 27.69 29.31 26.88 30.91 16.06 10.83 8.13 9.26 0.00 (13.0) pt
Net income 5 5 10 13 15 27 41 45 45 47 (4) +28.3%
Per share, $
Per share, $ Revenue 3.63 3.93 4.23 4.78 5.97 9.25 24.33 39.76 52.19 43.93 0.00 +31.9%
Earnings 0.54 0.59 0.93 1.11 1.27 2.25 3.14 3.36 3.34 3.11 (0.23) +21.4%
Cash flow 0.77 0.82 1.38 1.15 1.62 2.48 5.18 14.44 19.23 16.91 0.00 +40.9%
Capex (0.10) (0.11) (0.11) (0.10) (0.45) (0.22) (0.22) (0.47) (0.73) (0.72) (0.70) +24.7%
Free cash flow 0.67 0.71 1.27 1.05 1.17 2.27 4.96 13.97 18.50 16.20 (0.70) +42.4%
Book value 6.50 7.12 10.45 10.44 11.76 16.74 18.80 22.24 32.48 32.62 31.35 +19.6%
Shares, m 9 9 10 12 12 12 13 13 14 15 15 +5.6%
Valuation, ×
Valuation, × P/E 3.64 24.02 16.39 14.71 16.54 22.50 14.76 13.03 25.42 36.73 0.00 18.8
P/S 0.00 3.88 3.60 3.45 3.52 5.47 1.91 1.10 1.63 2.61 0.91 2.7
P/B 0.00 2.19 1.46 1.58 1.79 3.02 2.47 1.97 2.61 3.51 1.38 2.1
EV/Sales 0.00 2.40 1.51 1.61 1.77 (1.36) 0.97 0.28 1.05 1.57 — 1.0
EV/FCF 0.00 11.89 5.04 7.36 9.01 (5.57) 4.76 0.78 2.97 4.25 — 4.0
Cash, $m
Cash, $m Operating cash flow 7 8 14 14 19 30 67 192 260 255 270 +48.8%
Capex (1) (1) (1) (1) (5) (3) (3) (6) (10) (11) (11) +31.6%
Free cash flow 6 7 13 12 14 27 64 185 250 244 (11) +50.4%
Balance, $m
Balance, $m Working capital 28 37 83 90 278 172 105 59 232 284 (4,679) +29.2%
Net debt (58) (56) (92) (104) (125) (760) (295) (435) (405) (689) (755) +31.5%
Shareholders’ equity 60 66 109 124 140 201 243 295 439 491 478 +26.3%
Returns, %
Returns, % ROA 0.65 0.70 1.10 1.27 1.05 1.23 1.41 1.29 1.15 1.06 (0.07) +0.4 pt
ROIC 324.78 66.45 45.22 52.28 76.31 0.00 0.00 0.00 105.13 0.00 0.00 (324.8) pt
ROE 7.95 8.66 11.10 11.32 11.46 15.82 18.27 16.56 12.33 10.11 (0.77) +2.2 pt
People
People Employees — 159 183 195 250 377 448 507 488 483 — +14.9%
Revenue/emp, $m 0.00 0.23 0.24 0.29 0.28 0.29 0.70 1.04 1.44 1.37 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 5 Nov 2026

Coastal Financial Corporation vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
BHB Bar Harbor Bankshares, Inc. $691.9M 13.9× 11.2× +26.82% (above 0%: growing) +127.50% (above 0%: growing) +563.60% (above 0%: growing) 73.41% 0.00% Compare
BCAL California BanCorp $690.8M 11.7× 12.2× −3.68% (below 0%: shrinking) +2.33% (above 0%: growing) +6.82% (above 0%: growing) 79.50% 0.00% Compare
RRBI Red River Bancshares, Inc. $687.9M 15.0× 14.2× +6.30% (above 0%: growing) +18.54% (above 0%: growing) +237.31% (above 0%: growing) 76.50% 0.00% Compare
ACNB ACNB Corporation $666.0M 12.1× 11.3× +6.05% (above 0%: growing) +8.39% (above 0%: growing) −101.87% (below 0%: shrinking) 81.15% 0.00% Compare
CCB Coastal Financial Corporation $661.2M — (loss-making) 1,443× +37.72% (above 0%: growing) 0.00% −104.10% (below 0%: shrinking) 85.92% 0.00%
HIFS Hingham Institution for Savings $659.4M 10.0× — +33.46% (above 0%: growing) +168.29% (above 0%: growing) −29.97% (below 0%: shrinking) 59.45% 0.00% Compare
MSBI Midland States Bancorp, Inc. $657.4M 14.0× 9.6× −1.90% (below 0%: shrinking) +295.83% (above 0%: growing) −51.81% (below 0%: shrinking) 73.94% 0.00% Compare
WCCB West Coast Community Bancorp $656.7M 12.3× 11.3× +4.43% (above 0%: growing) −4.88% (below 0%: shrinking) — 100.00% 0.00% Compare
TCBX Third Coast Bancshares, Inc. $653.2M 8.5× 10.3× +17.59% (above 0%: growing) −6.48% (below 0%: shrinking) −64.01% (below 0%: shrinking) 58.27% 0.00% Compare
Median of peers $662.7M 12.2× 11.3× +6.18% +13.47% −29.97% 75.22% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 13 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 1.69m 6.64m 545.67
2024 1.87m 9.61m 404.33
2023 2.00m 1.52m 211.48
2022 1.98m 1.45m 226.29
2021 4.51m 10.88m 241.05

Ownership

Directors and executive officers, together 13.49%
Steven D. Hovde 11.34%
T. Rowe Price 8.68%
BlackRock, Inc. 7.02%
The Vanguard Group 5.00%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Coastal Financial Corporation (CCB) Latest News

29 Oct

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Impact 3 · · StockStory
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28 Oct

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14 Oct

Impact 3 · · GlobeNewswire

9 Oct

Impact 3 · · GlobeNewswire

2 Oct

Impact 4 · · StockStory

24 Sep

Impact 3 · · StockStory

2 Aug

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30 Jul

Impact 4 ·
Impact 3 · · MarketBeat
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29 Jul

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24 Jul

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16 Jul

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9 Jun

Impact 3 · · GlobeNewswire

4 Jun

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3 Jun

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15 May

Impact 3 · · Simply Wall St.

29 Apr

Impact 4 · · GlobeNewswire
Impact 3 · · StockStory

28 Apr

Impact 3 · · Zacks
stockrow.com/CCB · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com