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Coastal Financial CCB Q4 2024 Annual earnings

Reported March 17, 2025

Revenue$137.9M
EPS$0.94

Next report

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

Financials

Q4 2024

Income statement

See full
Revenue$146.5M+21.7%
Net income$13.4M+48.3%
EPS (diluted)$0.94+42.4%

Balance sheet

See full
Cash & equivalents$452.5M-6.3%
Total debt$5.4M-11.9%
Total equity$438.7M+48.7%
Total assets$4.1B+9.9%

Cash flow

See full
Operating cash flow$68.3M+40.3%
CapEx$3.0M+30.0%
Free cash flow$65.3M+40.8%

Valuation & ratios

Valuation

as of 12/31/24
See full
Market cap$1.27B+115%
Enterprise value$820.12M+621%
P/E28×+14.8×
P/S2.2×+0.8×

Profitability

See full
Net margin7.8%-2.5pp
FCF margin43%+0.5pp

Returns & leverage

See full
Return on equity12.3%-4.2pp
Debt / equity0×0.0×

Segments

By product

See full
Total Noninterest Income Subject to Topic 606$6.2M+36.3%
BaaS program income$5.6M+322%
Other$262.8K+8.7%
Other income$173.0K+114%
Merchant service fees$121.8K-2.2%

Versus estimates

Revenue

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

Diluted EPS

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

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Questions, answered.

When did Coastal Financial report Q4 2024 earnings?
Coastal Financial (CCB) reported Q4 2024 earnings on March 17, 2025.
What were Coastal Financial's Q4 2024 revenue and EPS?
Coastal Financial reported revenue of $137.9M and eps of $0.94 for Q4 2024.
Where can I find Coastal Financial's Q4 2024 SEC filings?
You can read the 10-K periodic report (0001437958-25-000058) directly on SEC EDGAR. The filing index links above go to sec.gov.