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Coastal Financial CCB Pre-Tax Income

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Segments

By segment

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CCBX-$66.77M-774%
Community Bank$14.48M+66.1%
Treasury & Administration-$2.91M+31.3%

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 us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest.

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, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
BaaS fraud expense4,3122,8047,3714,797
BaaS loan and fraud expense44,72135,28784,72069,787
Total noninterest expense141,11172,832224,563144,821
(Loss) income before provision for income taxes(55,194)14,387(40,610)26,156
(BENEFIT) PROVISION FOR INCOME TAXES(13,089)3,359(10,524)5,398
NET (LOSS) INCOME$(42,105)$11,028$(30,086)$20,758
Basic (loss) earnings per common share$(2.76)$0.73$(1.98)$1.38
Diluted (loss) earnings per common share$(2.76)$0.71$(1.98)$1.36

Item 1. Condensed Consolidated Financial Statements (unaudited)

FAQ

What is Coastal Financial's pre-tax income?
Coastal Financial (CCB) reported pre-tax income of -$55.19M in Q2 2026.
How has Coastal Financial's pre-tax income changed year-over-year?
Coastal Financial's pre-tax income decreased by 483.6% year-over-year, from $14.39M to -$55.19M.
What is the long-term trend for Coastal Financial's pre-tax income?
Over 4 years (2021 to 2025), Coastal Financial's pre-tax income has grown at a 15.5% compound annual growth rate (CAGR), from $34.38M to $61.25M.
What does pre-tax income mean?
Total income from all sources — operating income plus non-operating items like interest income, investment gains, and other income — before the provision for income taxes.

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