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Coastal Financial CCB Loan servicing fees — Revenue not from contract with customer

Other product segments

BaaS enhancements / guarantees
$225.16M-25.6%
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%
Gain on sale of loans, net
$0

Similar metrics at other companies

First Financial Corporation logo
THFFServicing Fees — Revenue
$242.5K-11.8%
First Financial Corporation logo
THFFLoan Servicing Fees Income
$326K+97.6%
Live Oak Bancshares logo
LOBLoan servicing revenue
$9.09M+9.6%
Upstart Holdings, Inc. logo
UPSTServicing fees — Revenue from fees, net
$32.33M+41.7%
Southern Missouri Bancorp logo
SMBCLoan Servicing Fees
$245K+9.4%
Citigroup logo
CLoan servicing — Commissions and fees revenue
$16M-33.3%

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

See full
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×

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 loan servicing fees — revenue not from contract with customer?
Coastal Financial (CCB) reported loan servicing fees — revenue not from contract with customer of $29.25K in Q4 2025.
How has Coastal Financial's loan servicing fees — revenue not from contract with customer changed year-over-year?
Coastal Financial's loan servicing fees — revenue not from contract with customer decreased by 17.6% year-over-year, from $35.5K to $29.25K.
What is the long-term trend for Coastal Financial's loan servicing fees — revenue not from contract with customer?
Over 4 years (2021 to 2025), Coastal Financial's loan servicing fees — revenue not from contract with customer has grown at a -17.1% compound annual growth rate (CAGR), from $248K to $117K.
What does loan servicing fees — revenue not from contract with customer mean?
This metric represents income generated from loan servicing activities that falls outside the scope of standard customer contracts, such as ancillary fees or specific administrative charges. It reflects the non-contractual revenue streams derived from managing loan portfolios on behalf of investors or other financial institutions. Tracking this helps investors understand the stability and diversification of fee-based income generated by the company's servicing operations.