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Coastal Financial CCB CCBX — Provision (Recapture) For Unfunded Commitments

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Other financials

Income statement

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Revenue$178.1M+49.1%
Net income-$42.1M-482%
EPS (diluted)-$2.76-489%

Balance sheet

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Cash & equivalents$1.0B+40.1%
Total debt$4.5M-10.7%
Total equity$463.4M+0.4%
Total assets$5.5B+21.8%

Cash flow

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Operating cash flow$76.9M+16.4%
CapEx$2.2M+6.1%
Free cash flow$74.6M+16.7%

Valuation

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Market cap$692.83M-53.7%
Enterprise value-$311.1M-140%
P/S1.1×-1.6×

Profitability

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Net margin-0.6%-9.2pp
FCF margin42.9%-3.5pp

Returns & leverage

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Return on equity-0.8%-13.1pp
Debt / equity0.0×

Where this comes from

Reported directly by Coastal Financial in its filing.

Tagged under the XBRL concept ck1437958:ProvisionRecaptureForUnfundedCommitments.

The source filing: Coastal Financial’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 11:01 AM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001437958-26-000061

There was a provision for accrued interest receivable on CCBX loans of $12,000 and $23,000 for the three and six months ended June 30, 2026, respectively, compared to a provision recapture of $182,000 and a provision of $602,000 for the three and six months ended June 30, 2025, respectively. There was a provision for accounts receivable of zero and $252,000 for the three and six months ended June 30, 2026, respectively with no such provision for the three and six months ended June 30, 2025.

Item 1. Condensed Consolidated Financial Statements (unaudited)

FAQ

What is Coastal Financial's CCBX — provision (recapture) for unfunded commitments?
Coastal Financial (CCB) reported CCBX — provision (recapture) for unfunded commitments of $12K in Q2 2026.
How has Coastal Financial's CCBX — provision (recapture) for unfunded commitments changed year-over-year?
Coastal Financial's CCBX — provision (recapture) for unfunded commitments increased by 106.6% year-over-year, from -$182K to $12K.
What does CCBX — provision (recapture) for unfunded commitments mean?
Reflects the accounting adjustment made to the reserve for potential losses associated with off-balance sheet credit commitments in the CCBX segment. A provision increases the reserve, while a recapture releases it, directly impacting the segment's net income based on credit risk assessments.

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