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Coastal Financial CCB Merchant service 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%
Overdraft fees
$207K+4.5%
Loan referral fees
$0-100%

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$18.62M+14.7%
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$107.6M+6.1%
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$99.65M+3.8%
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OCFCFees and service charges — Revenue
$3.39M-31.8%
Hurco Companies, Inc. logo
HURCService Fees — Revenue
$2.31M-0.6%

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
Service charges and fees
Interchange income$1,808$2,002$2,176
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

Item 8. Financial Statements and Supplementary Data

FAQ

What is Coastal Financial's merchant service fees — revenue?
Coastal Financial (CCB) reported merchant service fees — revenue of $123.75K in Q4 2025.
How has Coastal Financial's merchant service fees — revenue changed year-over-year?
Coastal Financial's merchant service fees — revenue increased by 1.6% year-over-year, from $121.75K to $123.75K.
What is the long-term trend for Coastal Financial's merchant service fees — revenue?
Over 4 years (2021 to 2025), Coastal Financial's merchant service fees — revenue has grown at a -3.4% compound annual growth rate (CAGR), from $568K to $495K.
What does merchant service fees — revenue mean?
This metric represents the total revenue generated from fees charged to merchants for processing payment transactions and providing related merchant services. It reflects the income derived from facilitating electronic payments and managing merchant accounts for business clients. Monitoring this revenue stream helps assess the performance and market adoption of the company's payment processing solutions within its service portfolio.

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