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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

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

Financials

Q4 2025

Income statement

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

Balance sheet

See full
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

See full
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

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

Returns & leverage

See full
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%
BaaS program income$8.4M+50.6%
Other income$321.5K+85.8%
Other$262.0K-0.3%
Merchant service fees$123.8K+1.6%

Versus estimates

Revenue

Q1 2026$149.4MBeat by $10.8M
Q4 2025$138.0MMiss by $2.6M
Q3 2025$140.8MBeat by $2.7MQ2 2025$115.2MMiss by $42.8MQ1 2025$133.9MMiss by $38.6MQ4 2024$137.9M

Diluted EPS

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

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Questions, answered.

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.