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Coastal Financial CCB Q2 2026 earnings

Reported July 30, 2026 · Before market open

Revenue$178.1MBeat by $29.6M
EPS-$2.76Miss by $3.77
Revenue estimate$148.5M
EPS estimate$1.01
“Our second quarter results reflect continued performance of our core franchise, which was offset by decisive action we took on a single non-public company partner relationship. Based on our assessment, we recorded the potential impact fully and in accordance with our credit protection framework. We believe this is an isolated issue pertaining to one partner and does not reflect a change in our view of our broader partner portfolio or BaaS model. We remain focused on disciplined and sustainable growth by partnering with organizations that align with our long-term strategy, thoughtfully expanding our product offerings, and continuing to build a resilient BaaS platform designed to deliver value for all stakeholders”
Eric Sprink.

Next report

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

Financials

Q2 2026

Income statement

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Revenue$178.1M+49.1%
Net income-$42.1M-482%
EPS (diluted)-$2.76-489%

Balance sheet

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Cash & equivalents$1.0B+40.1%
Total debt$4.5M-10.7%
Total equity$463.4M+0.4%
Total assets$5.5B+21.8%

Cash flow

See full
Operating cash flow$76.9M+16.4%
CapEx$2.2M+6.1%
Free cash flow$74.6M+16.7%

Valuation & ratios

Valuation

as of 09/16/26
See full
Market cap$716.16M-56.1%
Enterprise value-$287.76M-131%
P/S1.2×-1.8×

Profitability

See full
Net margin-0.6%-9.2pp
FCF margin42.9%-3.5pp

Returns & leverage

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Return on equity-0.8%-13.1pp
Debt / equity0×0.0×

Segments

By product

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BaaS credit enhancements$70.7M+126%
Transaction and interchange fees$6.8M+33.8%
BaaS fraud enhancements$4.3M+53.8%
Servicing and other BaaS fees$2.9M+53.9%
Reimbursement of expenses$2.3M+250%

FAQ

When did Coastal Financial report Q2 2026 earnings?
Coastal Financial (CCB) reported Q2 2026 earnings on July 30, 2026 before market open.
What were Coastal Financial's Q2 2026 revenue and EPS?
Coastal Financial reported revenue of $178.1M and eps of $-2.76 for Q2 2026.
Did Coastal Financial beat estimates in Q2 2026?
Revenue beat the consensus estimate of $148.5M by $29.6M. EPS missed the consensus estimate of $1.01 by $3.77.
How did Coastal Financial's Q2 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 54.6% from $115.2M a year earlier.
Where can I find Coastal Financial's Q2 2026 SEC filings?
You can read the 8-K earnings release (0001437958-26-000052) and the 10-Q periodic report (0001437958-26-000061) directly on SEC EDGAR. The filing index links above go to sec.gov.