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Coastal Financial CCB Q1 2026 earnings

Reported April 29, 2026 · Before market open

Revenue$149.4MBeat by $10.8M
EPS$0.78Miss by $0.24
Revenue estimate$138.6M
EPS estimate$1.02

Next report

Jul 30, 2026 (Today)
Revenue estimate$148.5M
EPS estimate$1.01

Financials

Q1 2026

Income statement

See full
Revenue$149.4M+7.1%
Net income$12.0M+23.5%
EPS (diluted)$0.78+23.8%

Balance sheet

See full
Cash & equivalents$1.5B+140%
Total debt$4.8M-9.3%
Total equity$503.8M+12.0%
Total assets$5.7B+30.5%

Cash flow

See full
Operating cash flow$76.0M+6.0%
CapEx$1.8M-33.3%
Free cash flow$74.1M+7.6%

Valuation & ratios

Valuation

as of 07/29/26
See full
Market cap$1.1B-23.8%
Enterprise value-$387.11M-151%
P/E22.4×-8.0×
P/S2×-0.6×

Profitability

See full
Net margin8.9%+0.5pp
FCF margin45.6%-0.5pp

Returns & leverage

See full
Return on equity10.3%-2.4pp
Debt / equity0×0.0×

Segments

By product

See full
BaaS credit enhancements$50.7M-5.4%
Transaction and interchange fees$5.9M+53.2%
BaaS fraud enhancements$3.1M+53.5%
Servicing and other BaaS fees$2.6M+84.8%
Reimbursement of expenses$2.4M+133%

Versus estimates

Revenue

Q1 2026$149.4MBeat by $10.8M
Q4 2025$138.0MMiss by $2.6MQ3 2025$140.8MBeat by $2.7MQ2 2025$115.2MMiss by $42.8MQ1 2025$133.9MMiss by $38.6MQ4 2024$137.9M

Diluted EPS

Q1 2026$0.78Miss by $0.24
Q4 2025$0.82Miss by $0.34Q3 2025$0.88Beat by $0.01Q2 2025$0.71Miss by $0.13Q1 2025$0.63Miss by $0.21Q4 2024$0.94

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Questions, answered.

When did Coastal Financial report Q1 2026 earnings?
Coastal Financial (CCB) reported Q1 2026 earnings on April 29, 2026 before market open.
What were Coastal Financial's Q1 2026 revenue and EPS?
Coastal Financial reported revenue of $149.4M and eps of $0.78 for Q1 2026.
Did Coastal Financial beat estimates in Q1 2026?
Revenue beat the consensus estimate of $138.6M by $10.8M. EPS missed the consensus estimate of $1.02 by $0.24.
How did Coastal Financial's Q1 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 11.6% from $133.9M a year earlier and eps grew 23.8% from $0.63.
Where can I find Coastal Financial's Q1 2026 SEC filings?
You can read the 8-K earnings release (0001437958-26-000031) and the 10-Q periodic report (0001437958-26-000039) directly on SEC EDGAR. The filing index links above go to sec.gov.