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Coastal Financial CCB Q2 2025 earnings

Reported July 29, 2025 · Before market open

Revenue$115.2MMiss by $42.8M
EPS$0.71Miss by $0.13
Revenue estimate$158.0M
EPS estimate$0.84

Next report

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

Financials

Q2 2025

Income statement

See full
Revenue$119.4M-11.7%
Net income$11.0M-4.9%
EPS (diluted)$0.71-15.5%

Balance sheet

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Cash & equivalents$719.8M+47.7%
Total debt$5.1M-13.0%
Total equity$461.7M+45.8%
Total assets$4.5B+13.2%

Cash flow

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Operating cash flow$66.0M-8.4%
CapEx$2.1M-20.7%
Free cash flow$64.0M-7.9%

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$1.41B+128%
Enterprise value$694.92M+404%
P/E29.6×+13.2×
P/S2.5×+1.3×

Profitability

See full
Net margin8.5%+1.0pp
FCF margin46.4%-0.2pp

Returns & leverage

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Return on equity12.2%-0.6pp
Debt / equity0×0.0×

Segments

By product

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BaaS credit enhancements$31.3M-48.6%
Total Noninterest Income Subject to Topic 606$8.6M—
Transaction and interchange fees$5.1M—
BaaS fraud enhancements$2.8M+57.2%
Servicing and other BaaS fees$1.9M+24.3%

FAQ

When did Coastal Financial report Q2 2025 earnings?
Coastal Financial (CCB) reported Q2 2025 earnings on July 29, 2025 before market open.
What were Coastal Financial's Q2 2025 revenue and EPS?
Coastal Financial reported revenue of $115.2M and eps of $0.71 for Q2 2025.
Did Coastal Financial beat estimates in Q2 2025?
Revenue missed the consensus estimate of $158.0M by $42.8M. EPS missed the consensus estimate of $0.84 by $0.13.
How did Coastal Financial's Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 15.6% from $136.5M a year earlier and eps declined 15.5% from $0.84.
Where can I find Coastal Financial's Q2 2025 SEC filings?
You can read the 8-K earnings release (0001437958-25-000141) and the 10-Q periodic report (0001437958-25-000149) directly on SEC EDGAR. The filing index links above go to sec.gov.