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Coastal Financial CCB Loan referral fees — Revenue

Other product segments

BaaS credit enhancements
$70.73M+126%
Total Noninterest Income Subject to Topic 606
$34.34M+39.2%
Transaction and interchange fees
$6.84M+33.8%
BaaS fraud enhancements
$4.31M+53.8%
Servicing and other BaaS fees
$2.92M+53.9%
Reimbursement of expenses
$2.26M+250%
Other income
$1.29M+85.8%
Other
$1.05M-0.3%
Merchant service fees
$495K+1.6%
Overdraft fees
$207K+4.5%

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$9.34M+24.7%

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$671.28M-53.3%
Enterprise value-$332.65M-146%
P/S1.1×-1.5×

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 / equity0×0.0×

Where this comes from

Reported directly by Coastal Financial in its filing.

Tagged under the XBRL concept us-gaap:RevenueFromContractWithCustomerIncludingAssessedTax.

The source filing: Coastal Financial’s 10-K, filed February 27, 2026.

Filed
Feb 27, 2026, 3:40 PM EST
Fiscal year
FY2025
Accession
0001437958-26-000013
Line item202520242023
Merchant service fees495487498
Overdraft fees207198213
Other1,0481,051967
Loan referral fees—168683
BaaS program income (1)29,49120,07513,240
Other income (2)1,286692323
Total noninterest income subject to Topic 60634,33524,67318,100
BaaS enhancements / guarantees (1)195,667282,673184,929

Item 8. Financial Statements and Supplementary Data

FAQ

What is Coastal Financial's loan referral fees — revenue?
Coastal Financial (CCB) reported loan referral fees — revenue of $0 in Q4 2025.
How has Coastal Financial's loan referral fees — revenue changed year-over-year?
Coastal Financial's loan referral fees — revenue decreased by 100.0% year-over-year, from $42K to $0.
What is the long-term trend for Coastal Financial's loan referral fees — revenue?
Over 4 years (2021 to 2025), Coastal Financial's loan referral fees — revenue has grown at a -100.0% compound annual growth rate (CAGR), from $2.13M to $0.
What does loan referral fees — revenue mean?
This metric represents the fee-based income generated by referring loan applicants to third-party lenders or financial partners. It reflects the company's ability to monetize its customer acquisition funnel by acting as an intermediary rather than the primary underwriter. This revenue stream is a key indicator of the firm's non-interest income diversification and its strategic partnerships within the broader financial services ecosystem.

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