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Coastal Financial CCB Accretion (Amortization) of Discounts and Premiums, Investments

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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 us-gaap:AccretionAmortizationOfDiscountsAndPremiumsInvestments.

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 itemSix Months Ended June 30, 2026Six Months Ended June 30, 2025
Loss on disposition of fixed assets11
Decrease in operating lease right-of-use assets542430
Decrease in operating lease liabilities(552)(437)
Net amortization on investment securities2713
Unrealized holding (gain) loss on equity investment, net(101)423
Stock-based compensation3,9034,534
Increase in bank-owned life insurance value(271)(255)
Deferred tax expense(17,049)(228)

Item 1. Condensed Consolidated Financial Statements (unaudited)

FAQ

What is Coastal Financial's accretion (amortization) of discounts and premiums, investments?
Coastal Financial (CCB) reported accretion (amortization) of discounts and premiums, investments of -$9K in Q2 2026.
How has Coastal Financial's accretion (amortization) of discounts and premiums, investments changed year-over-year?
Coastal Financial's accretion (amortization) of discounts and premiums, investments increased by 10.0% year-over-year, from -$10K to -$9K.
What is the long-term trend for Coastal Financial's accretion (amortization) of discounts and premiums, investments?
Over 3 years (2021 to 2025), Coastal Financial's accretion (amortization) of discounts and premiums, investments has grown at a -24.1% compound annual growth rate (CAGR), from -$32K to -$14K.
What does accretion (amortization) of discounts and premiums, investments mean?
This represents the periodic adjustment to the carrying value of investment securities to reflect the amortization of premiums or the accretion of discounts over the life of the instrument. It ensures that the effective yield on investments is recognized correctly in the income statement. This metric is vital for understanding the true interest income generated by the investment portfolio.

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