Saturday 17 October 2026 Export CCB’s income statement to Excel — free account

Coastal Financial Corporation

Coastal Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $661.2 million, down 6.21% from fiscal 2024. In the quarter to June 2026, revenue grew 37.7%, EPS fell 478.1%, free cash flow grew 16.7% and total debt was flat, each against the same quarter a year earlier. Insiders bought in the last twelve months.

42.02 0.95 −2.21%

Follow CCB

Alert me

Market cap: $656.9M
P/E: 0.0×
Fwd P/E: 16.0×
Dividend yield: —
F-score: 5/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 1.12

Total sells 8.07

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	3	—	—
Sell	—	3	6	2	1	—	2	1	—	—	—	—

Insider Ownership 14.85%

Capital & Financial Ratios $m

Market Cap 656.86

Revenue 727.37

Net Income (3.85)

Free Cash Flow 259.68

Net Debt (960.34)

Current Ratio 1.06

Debt/Equity 0.10

P/E ratio 0.00

Fwd P/E 16.00

P/S ratio 0.88

P/B ratio 1.38

Past 5Y EPS Growth 20.19%

This Y EPS Growth (59.65%)

Next Y EPS Growth 343.49%

Next Y revenue growth (4.89%)

Next 5Y EPS Growth 31.48%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/S against its own 10 years 1.21%

10-year low 10-year high

P/B against its own 10 years 8.34%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate —

Annual Dividend Yield —

	total	individual payouts
2024	Powerpack
2023	Powerpack
2022	Powerpack
2021	Powerpack
2020	Powerpack
2019	Powerpack
2017	Powerpack

special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	483	453	737	1,008
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	3,420	3,818	4,430	5,160

	2023	2024	2025	Q'26
Payables	3,360	3,585	4,144	4,862
ST’ Debt	—	—	—	—
Other	—	—	—	—
	3,361	3,586	4,146	4,864

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%

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	—	—	—
’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.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.78	(2.76)	—	—	—
’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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	—	—	11.85	12.54	8.41	19.61	35.61	29.91	35.67	76.11	Analyst estimates 2026–2028 Powerpack
	High	—	—	18.90	18.59	23.53	54.41	54.53	48.50	87.10	120.05
People
People	Employees	—	159	183	195	250	377	448	507	488	483
	Revenue/emp, $m	0.00	0.23	0.24	0.29	0.28	0.29	0.70	1.04	1.44	1.37
Income, $m
Income, $m	Revenue	33	36	44	57	71	111	315	527	705	661
	Gross margin, %	92.45	92.07	91.12	88.43	92.06	96.72	93.53	82.62	82.45	81.92
	EBT	7	10	12	17	19	34	51	57	57	61
	EBT margin, %	22.30	27.82	27.69	29.31	26.88	30.91	16.06	10.83	8.13	9.26
	Net income	5	5	10	13	15	27	41	45	45	47
	Depreciation	1	1	1	1	1	2	2	2	5	7
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
	Earnings	0.54	0.59	0.93	1.11	1.27	2.25	3.14	3.36	3.34	3.11
	Cash flow	0.77	0.82	1.38	1.15	1.62	2.48	5.18	14.44	19.23	16.91
	Capex	(0.10)	(0.11)	(0.11)	(0.10)	(0.45)	(0.22)	(0.22)	(0.47)	(0.73)	(0.72)
	Free cash flow	0.67	0.71	1.27	1.05	1.17	2.27	4.96	13.97	18.50	16.20
	Book value	6.50	7.12	10.45	10.44	11.76	16.74	18.80	22.24	32.48	32.62
	Shares, m	9	9	10	12	12	12	13	13	14	15
Valuation, ×
Valuation, ×	P/E	3.64	68.33	16.39	14.71	16.54	22.50	14.76	13.03	25.42	36.73
	P/S	0.00	3.88	3.60	3.45	3.52	5.47	1.91	1.10	1.63	2.61
	P/B	0.00	2.19	1.46	1.58	1.79	3.02	2.47	1.97	2.61	3.51
	EV/Sales	0.00	2.40	1.51	1.61	1.77	(1.36)	0.97	0.28	1.05	1.57
	EV/FCF	0.00	11.89	5.04	7.36	9.01	(5.57)	4.76	0.78	2.97	4.25
Cash, $m
Cash, $m	Operating cash flow	7	8	14	14	19	30	67	192	260	255
	Capex	(1)	(1)	(1)	(1)	(5)	(3)	(3)	(6)	(10)	(11)
	Free cash flow	6	7	13	12	14	27	64	185	250	244
Balance, $m
Balance, $m	Working capital	28	37	83	90	278	172	105	59	232	284
	Total debt	29	34	34	24	39	53	48	48	48	48
	Net debt	(58)	(56)	(92)	(104)	(125)	(760)	(295)	(435)	(405)	(689)
	Shareholders’ equity	60	66	109	124	140	201	243	295	439	491
Returns, %
Returns, %	ROA	0.65	0.70	1.10	1.27	1.05	1.23	1.41	1.29	1.15	1.06
	ROIC	324.78	66.45	45.22	52.28	76.31	0.00	0.00	0.00	105.13	0.00
	ROE	7.95	8.66	11.10	11.32	11.46	15.82	18.27	16.56	12.33	10.11

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
PFIS Peoples Financial Services Corp.	$681.2M	12.0×	9.2×	+3.78% (above 0%: growing)	−12.94% (below 0%: shrinking)	+54.41% (above 0%: growing)	70.19%	0.00%	Compare
CARE Carter Bankshares, Inc.	$671.8M	5.2×	4.6×	+44.00% (above 0%: growing)	+254.05% (above 0%: growing)	−3,522.21% (below 0%: shrinking)	76.12%	0.00%	Compare
MSBI Midland States Bancorp, Inc.	$670.3M	20.7×	9.1×	−7.83% (below 0%: shrinking)	+86.36% (above 0%: growing)	+9.48% (above 0%: growing)	74.46%	0.00%	Compare
RRBI Red River Bancshares, Inc.	$666.1M	14.5×	12.5×	+6.30% (above 0%: growing)	+18.54% (above 0%: growing)	+237.31% (above 0%: growing)	76.50%	0.00%	Compare
CCB Coastal Financial Corporation	$656.9M	— (loss-making)	16.0×	+37.72% (above 0%: growing)	n/m	+16.72% (above 0%: growing)	85.92%	0.00%
ACNB ACNB Corporation	$642.5M	12.0×	10.1×	+4.47% (above 0%: growing)	+35.14% (above 0%: growing)	−125.12% (below 0%: shrinking)	81.56%	0.00%	Compare
CBNK Capital Bancorp, Inc.	$642.3M	11.5×	9.6×	+8.53% (above 0%: growing)	+10.13% (above 0%: growing)	−18.20% (below 0%: shrinking)	77.43%	0.00%	Compare
HIFS Hingham Institution for Savings	$640.9M	9.7×	—	+33.46% (above 0%: growing)	+168.29% (above 0%: growing)	−29.97% (below 0%: shrinking)	59.45%	0.00%	Compare
BHB Bar Harbor Bankshares, Inc.	$638.6M	12.9×	10.1×	+26.82% (above 0%: growing)	+127.50% (above 0%: growing)	+563.60% (above 0%: growing)	73.41%	0.00%	Compare
Median of peers	$654.3M	12.0×	9.6×	+7.42%	+60.75%	−4.36%	75.29%	0.00%

All 323 Banks Regional stocks →

Coastal Financial Corporation (CCB) key facts

Concern: Coastal Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $661.2 million, down 6.21% from fiscal 2024.
Strength: Net income was $47.0 million, or $3.11 per share (basic), a net margin of 7.11%.
Coastal Financial Corporation (CCB) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, CCB traded at $42.02, a market capitalization of $656.9 million.
Return on equity was 10.1% and debt-to-equity 0.10.
Its Piotroski F-score is 5 out of 9 for fiscal 2025.