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Coastal Financial CCB Q1 2025 earnings

Reported April 29, 2025 · Before market open

Revenue$133.9MMiss by $38.6M
EPS$0.63Miss by $0.21
Revenue estimate$172.4M
EPS estimate$0.85

Next report

Nov 4, 2026 (in 2 months)
Revenue estimate$158.6M
EPS estimate$0.98

Financials

Q1 2025

Income statement

See full
Revenue$139.5M-6.0%
Net income$9.7M+43.1%
EPS (diluted)$0.63+26.0%

Balance sheet

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Cash & equivalents$624.3M+21.2%
Total debt$5.3M-11.0%
Total equity$449.9M+48.1%
Total assets$4.3B+12.3%

Cash flow

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Operating cash flow$71.7M+26.3%
CapEx$2.8M+54.6%
Free cash flow$68.9M+25.4%

Valuation & ratios

Valuation

as of 03/31/25
See full
Market cap$1.36B+161%
Enterprise value$737.67M+6,608%
P/E28.2×+14.8×
P/S2.4×+1.3×

Profitability

See full
Net margin8.4%+0.3pp
FCF margin46.1%+5.7pp

Returns & leverage

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Return on equity12.8%-1.1pp
Debt / equity0×0.0×

Segments

By product

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BaaS credit enhancements$53.6M-32.8%
Total Noninterest Income Subject to Topic 606$8.6M—
Transaction and interchange fees$3.8M—
BaaS fraud enhancements$2.0M+116%
Servicing and other BaaS fees$1.4M+25.5%

FAQ

When did Coastal Financial report Q1 2025 earnings?
Coastal Financial (CCB) reported Q1 2025 earnings on April 29, 2025 before market open.
What were Coastal Financial's Q1 2025 revenue and EPS?
Coastal Financial reported revenue of $133.9M and eps of $0.63 for Q1 2025.
Did Coastal Financial beat estimates in Q1 2025?
Revenue missed the consensus estimate of $172.4M by $38.6M. EPS missed the consensus estimate of $0.84 by $0.21.
How did Coastal Financial's Q1 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 10.3% from $121.4M a year earlier and eps grew 26.0% from $0.50.
Where can I find Coastal Financial's Q1 2025 SEC filings?
You can read the 8-K earnings release (0001437958-25-000084) and the 10-Q periodic report (0001437958-25-000090) directly on SEC EDGAR. The filing index links above go to sec.gov.