Coastal Financial Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	47.72	45.22	44.58	40.63	27.01	15.15
Depreciation & Amortization	3.25	1.55	1.57	1.48	1.59	1.36
Other Amortization	3	3	0.75	0.33	-	-
Gain (Loss) on Sale of Assets	-	-	0.04	0.04	-1.26	0.01
Gain (Loss) on Sale of Investments	0.43	-0.02	-0.3	0.1	-1.44	0.45
Provision for Credit Losses	206.46	277.61	183.99	79.06	9.92	8.31
Change in Other Net Operating Assets	-5.72	-72.55	-56.41	-46.04	-3.84	-5.21
Other Operating Activities	3.88	0.14	13.88	-11.02	-3.01	-1.27
Operating Cash Flow	265.09	259.79	191.54	67.1	29.85	19.33
Operating Cash Flow Growth	11.96%	35.63%	185.46%	124.81%	54.41%	41.39%
Capital Expenditures	-9.53	-9.9	-6.25	-2.84	-2.59	-5.37
Investment in Securities	2.23	103.03	-48.96	-66.87	-14.4	-52.7
Divestitures	-	-	-	-	-19.98	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	-534.37	-701.67	-538.58	-918.19	-197.67	-608.47
Other Investing Activities	-0.02	-0.02	-0.23	-0.05	-5	-
Investing Cash Flow	-541.69	-608.57	-594.01	-987.95	-239.64	-666.54
Long-Term Debt Issued	-	-	-	19.63	24.26	230.65
Total Debt Issued	-	-	-	19.63	24.26	230.65
Short-Term Debt Repaid	-	-	-	-	-	-10
Long-Term Debt Repaid	-	-	-	-25	-163.72	-51.93
Total Debt Repaid	-	-	-	-25	-163.72	-61.93
Net Debt Issued (Repaid)	-	-	-	-5.37	-139.45	168.72
Issuance of Common Stock	92.04	93.2	0.62	1.47	32.75	0.2
Repurchase of Common Stock	-2.48	-	-	-	-	-
Net Increase (Decrease) in Deposit Accounts	345.28	224.97	542.84	453.73	966.54	453.35
Financing Cash Flow	434.84	318.17	543.46	449.83	859.84	622.27
Net Cash Flow	158.23	-30.62	140.99	-471.02	650.04	-24.95
Free Cash Flow	255.55	249.89	185.3	64.26	27.25	13.96
Free Cash Flow Growth	12.30%	34.86%	188.35%	135.78%	95.20%	12.07%
Free Cash Flow Margin	74.36%	82.30%	73.62%	29.80%	27.91%	24.38%
Free Cash Flow Per Share	16.98	18.01	13.58	4.75	2.18	1.14
Cash Interest Paid	121.07	123.68	91.44	20.07	3.82	6.55
Cash Income Tax Paid	12.85	10.54	6.84	23.5	8.76	5.36

Source: S&P Global Market Intelligence. Banks template. Financial Sources.