Coastal Financial Corp
CCB Nasdaq· State Commercial Banks
Last close · Oct 26, 2026
$45.08
KIRA · Stoqly’s AI analyst, in plain words
- Coastal Financial Corp had $542M of revenue in fiscal 2025, down 6.8% on the year before. Over five years, revenue changed +52.5% a year on average.
- Coastal Financial Corp made $47.0M of net profit in fiscal 2025. From fiscal 2017 to 2025, diluted EPS grew 22.8% a year.
- It earned 10.1% on shareholders’ money. Running costs took 53.1% of revenue (the efficiency ratio; lower is better).
Market cap
$687M
P/E
—
Revenue
$542M
Net income
$47.0M
Return on equity
10.1%
Efficiency ratio
53.1%
Coastal Financial Corp in 30 seconds · fiscal 2025
Are sales growing?
−6.8%
No. Sales fell 6.8% last year.
Does it make a profit?
8.7%
A little. It keeps 8.7% of every sale as profit.
How lean are its costs?
53.1%
Lean. Running costs take 53.1% of revenue.
How much does it earn on its capital?
10.1%
Fair. It earns 10.1% a year on shareholders’ money.
How is the share priced?
—
No P/E: it made no profit over the last four quarters.
What Coastal Financial Corp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 27, 2026
- Legal name
- COASTAL FINANCIAL CORP
- CIK
- 0001437958
Coastal Financial Corp · CCB
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $108M | $295M | $436M | $581M | $542M |
| Revenue growth | 64.0% | 174.0% | 47.8% | 33.4% | −6.8% |
| Net interest income | $79.4M | $172M | $232M | $273M | $310M |
| Net income | $27.0M | $40.6M | $44.6M | $45.2M | $47.0M |
| Net margin | 25.1% | 13.8% | 10.2% | 7.8% | 8.7% |
| Diluted EPS | $2.16 | $3.01 | $3.27 | $3.26 | $3.06 |
| Cash | |||||
| Cash from operations | $29.8M | $67.1M | $192M | $260M | $255M |
| Capital expenditure | $2.6M | $2.8M | $6.2M | $9.9M | $8.4M |
| Free cash flow | $27.3M | $64.3M | $185M | $250M | $246M |
| FCF margin | 25.3% | 21.8% | 42.5% | 43.0% | 45.4% |
| Share count change | 2.6% | 7.9% | 0.9% | 1.7% | 10.6% |
| Debt and strength | |||||
| Cash and short-term investments | $813M | $342M | $483M | $453M | $737M |
| Loans, net | $1.7B | $2.6B | $2.9B | $3.3B | $3.6B |
| Deposits | $2.4B | $2.8B | $3.4B | $3.6B | $4.1B |
| Shareholders' equity | $201M | $243M | $295M | $439M | $491M |
| Returns and quality | |||||
| Return on equity | 15.8% | 18.3% | 16.6% | 12.3% | 10.1% |
| Return on tangible equity | 13.4% | 16.7% | 15.1% | 10.3% | 9.7% |
| Efficiency ratio | 58.8% | 56.0% | 44.7% | 42.4% | 53.1% |
Insiders bought, 12 months
$1.1M
3 insiders
Insiders sold, 12 months
$8.1M
5 insiders
Of sales under plans
84%
$6.7M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Coastal Financial Corp · CCB
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $45.08 a share, the company is worth $687M.
Source: SEC EDGAR XBRL filings (CIK 0001437958). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.