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Coastal Financial CCB Q4 2025 Annual earnings

Reported January 29, 2026 · Before market open

Revenue$138.0MMiss by $2.6M
EPS$0.82Miss by $0.34
Revenue estimate$140.7M
EPS estimate$1.16

Next report

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

Financials

Q4 2025

Income statement

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Revenue$138.0M-5.8%
Net income$12.6M-5.4%
EPS (diluted)$0.82-12.8%

Balance sheet

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Cash & equivalents$737.0M+62.9%
Total debt$5.0M-7.7%
Total equity$491.0M+11.9%
Total assets$4.7B+15.0%

Cash flow

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Operating cash flow$57.8M-15.4%
CapEx$1.9M-36.3%
Free cash flow$55.9M-14.4%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$1.73B+36.7%
Enterprise value$1B+22.0%
P/E36.9×+8.8×
P/S3.2×+1.0×

Profitability

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Net margin8.7%+0.9pp
FCF margin45.4%+2.4pp

Returns & leverage

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Return on equity10.1%-2.2pp
Debt / equity0×0.0×

Segments

By product

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Total Noninterest Income Subject to Topic 606$8.6M+39.2%
Other income$321.5K+85.8%
Other$262.0K-0.3%
Merchant service fees$123.8K+1.6%
Overdraft fees$51.8K+4.5%

FAQ

When did Coastal Financial report Q4 2025 earnings?
Coastal Financial (CCB) reported Q4 2025 earnings on January 29, 2026 before market open.
What were Coastal Financial's Q4 2025 revenue and EPS?
Coastal Financial reported revenue of $138.0M and eps of $0.82 for Q4 2025.
Did Coastal Financial beat estimates in Q4 2025?
Revenue missed the consensus estimate of $140.7M by $2.6M. EPS missed the consensus estimate of $1.16 by $0.34.
How did Coastal Financial's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 0.1% from $137.9M a year earlier and eps declined 12.5% from $0.94.
Where can I find Coastal Financial's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001437958-26-000004) and the 10-K periodic report (0001437958-26-000013) directly on SEC EDGAR. The filing index links above go to sec.gov.