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Coastal Financial CCB Q3 2025 earnings

Reported October 29, 2025 · Before market open

Revenue$140.8MBeat by $2.7M
EPS$0.88Beat by $0.01
Revenue estimate$138.1M
EPS estimate$0.87

Next report

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

Financials

Q3 2025

Income statement

See full
Revenue$144.7M-4.2%
Net income$13.6M+1.0%
EPS (diluted)$0.88-9.3%

Balance sheet

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Cash & equivalents$642.3M+32.7%
Total debt$5.0M-11.6%
Total equity$475.3M+43.2%
Total assets$4.6B+12.0%

Cash flow

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Operating cash flow$59.0M-5.7%
CapEx$1.7M-32.5%
Free cash flow$57.4M-4.6%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$1.63B+125%
Enterprise value$997.05M+302%
P/E34.3×+16.5×
P/S3×+1.7×

Profitability

See full
Net margin8.7%+1.3pp
FCF margin46.5%+4.8pp

Returns & leverage

See full
Return on equity11.8%-1.4pp
Debt / equity0×0.0×

Segments

By product

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BaaS credit enhancements$55.4M-21.0%
BaaS fraud enhancements$2.1M+2.1%
Reimbursement of expenses$1.4M+150%
Servicing and other BaaS fees$1.3M+21.1%

FAQ

When did Coastal Financial report Q3 2025 earnings?
Coastal Financial (CCB) reported Q3 2025 earnings on October 29, 2025 before market open.
What were Coastal Financial's Q3 2025 revenue and EPS?
Coastal Financial reported revenue of $140.8M and eps of $0.88 for Q3 2025.
Did Coastal Financial beat estimates in Q3 2025?
Revenue beat the consensus estimate of $138.1M by $2.7M. EPS beat the consensus estimate of $0.87 by $0.01.
How did Coastal Financial's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 6.4% from $150.5M a year earlier and eps declined 9.3% from $0.97.
Where can I find Coastal Financial's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001437958-25-000164) and the 10-Q periodic report (0001437958-25-000168) directly on SEC EDGAR. The filing index links above go to sec.gov.