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Coastal Financial CCB Community Bank — Data processing and software licenses

Other segment segments

CCBX
$10.32M+169%
Treasury & Administration
$1.69M+764%

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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:SoftwareLicensesMaintenanceAndSubscriptions.

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
Line itemThree months ended June 30, 2026 / Community BankThree months ended June 30, 2026 / CCBXThree months ended June 30, 2026 / Treasury & AdministrationThree months ended June 30, 2026 / ConsolidatedThree months ended June 30, 2025 / Community BankThree months ended June 30, 2025 / CCBXThree months ended June 30, 2025 / Treasury & AdministrationThree months ended June 30, 2025 / Consolidated
NONINTEREST EXPENSE
Salaries and employee benefits7,52912,0504,03623,6157,0298,7665,65521,450
Occupancy75784498908187423915
Data processing and software licenses2,33910,3231,68614,3481,9523,843(254)5,541
Legal and professional expenses3774,8329886,1977002,3532,9095,962
Credit enhancement receivable valuation adjustment46,00946,009
Other expense9563,4759005,3312,1141,538253,677
BaaS loan expense40,40940,40932,48332,483

Item 1. Condensed Consolidated Financial Statements (unaudited)

FAQ

What is Coastal Financial's community bank — data processing and software licenses?
Coastal Financial (CCB) reported community bank — data processing and software licenses of $2.34M in Q2 2026.
How has Coastal Financial's community bank — data processing and software licenses changed year-over-year?
Coastal Financial's community bank — data processing and software licenses increased by 19.8% year-over-year, from $1.95M to $2.34M.
What is the long-term trend for Coastal Financial's community bank — data processing and software licenses?
Over 4 years (2021 to 2025), Coastal Financial's community bank — data processing and software licenses has grown at a 7.7% compound annual growth rate (CAGR), from $4.51M to $6.06M.
What does community bank — data processing and software licenses mean?
Captures the costs associated with the core banking systems, digital platforms, and software infrastructure necessary to process transactions and manage customer accounts. This reflects the segment's investment in technological capabilities and digital transformation.

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