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Coastal Financial CCB BaaS enhancements / guarantees — Revenue not from contract with customer

Other product segments

Total Noninterest Income Not Subject to Topic 606
$197.27M-30.4%
Sweep fee income
$1.21M—
Earnings on life insurance
$515K+6.0%
Gain (loss) on equity investment
-$414K-1,633%
Lease and sublease income
$180K-11.8%
Loan servicing fees
$117K-17.6%
Gain on sale of loans, net
$0—

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$1.6M-14.7%

Other financials

Income statement

See full
Revenue$149.4M+7.1%
Net income$12.0M+23.5%
EPS (diluted)$0.78+23.8%

Balance sheet

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Cash & equivalents$1.5B+140%
Total debt$4.8M-9.3%
Total equity$503.8M+12.0%
Total assets$5.7B+30.5%

Cash flow

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Operating cash flow$76.0M+6.0%
CapEx$1.8M-33.3%
Free cash flow$74.1M+7.6%

Valuation

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Market cap$1.14B-11.7%
Enterprise value-$348.99M-152%
P/E23.2×-3.7×
P/S2.1×-0.2×

Profitability

See full
Net margin8.9%+0.5pp
FCF margin45.6%-0.5pp

Returns & leverage

See full
Return on equity10.3%-2.4pp
Debt / equity0×0.0×

Where this comes from

Reported directly by Coastal Financial in its filing.

Tagged under the XBRL concept us-gaap:RevenueNotFromContractWithCustomer.

The official record: Coastal Financial’s 10-K, filed February 27, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Coastal Financial's baas enhancements / guarantees — revenue not from contract with customer?
Coastal Financial (CCB) reported baas enhancements / guarantees — revenue not from contract with customer of $56.29M in Q4 2025.
How has Coastal Financial's baas enhancements / guarantees — revenue not from contract with customer changed year-over-year?
Coastal Financial's baas enhancements / guarantees — revenue not from contract with customer decreased by 25.6% year-over-year, from $75.69M to $56.29M.
What is the long-term trend for Coastal Financial's baas enhancements / guarantees — revenue not from contract with customer?
Over 4 years (2021 to 2025), Coastal Financial's baas enhancements / guarantees — revenue not from contract with customer has grown at a 89.9% compound annual growth rate (CAGR), from $17.31M to $225.16M.
What does baas enhancements / guarantees — revenue not from contract with customer mean?
This metric represents the total revenue generated from Banking-as-a-Service (BaaS) activities that fall outside of standard customer service contracts, such as platform enhancement fees or guarantee-related income. It reflects the income stream derived from providing infrastructure, compliance, or operational support to third-party fintech partners. Monitoring this revenue helps investors assess the scale and monetization effectiveness of the company's embedded finance and partnership banking strategy.