Coastal Financial Corporation (CCB)

Coastal Financial Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	310.07	273.03	231.58	171.78	79.44
Net Interest Income Growth	13.56%	17.90%	34.81%	116.24%	38.43%
Non-Interest Income	231.61	308.21	204.12	122.94	28.12
Non-Interest Income Growth	-24.85%	50.99%	66.03%	337.24%	243.66%
Revenues Before Loan Losses	541.67	581.23	435.7	294.72	107.56
Provision for Credit Losses	192.63	277.61	183.99	79.06	9.92
Revenue	349.04	303.63	251.71	215.65	97.64
Revenue Growth (YoY)	14.96%	20.63%	16.72%	120.87%	70.52%
Compensation Expenses	85.77	69.93	66.46	52.23	37.1
Selling, General & Admin	51.05	37.19	30.99	19.86	13.87
Other Non-Interest Expenses	13.87	10.83	10.21	10.08	7.81
Total Non-Interest Expense	287.8	246.31	194.57	165.03	63.26
Pretax Income	61.25	57.32	57.13	50.62	34.38
Provision for Income Taxes	14.25	12.1	12.55	10	7.37
Net Income	46.99	45.22	44.58	40.63	27.01
Net Income to Common	46.99	45.22	44.58	40.63	27.01
Net Income Growth	3.92%	1.44%	9.73%	50.43%	78.30%
Shares Outstanding (Basic)	15	14	13	13	12
Shares Outstanding (Diluted)	15	14	13	14	13
Shares Change (YoY)	10.62%	5.85%	-3.00%	7.94%	2.56%
EPS (Basic)	3.12	3.35	3.80	3.14	2.25
EPS (Diluted)	3.06	3.26	3.76	3.01	2.16
EPS Growth	-6.13%	-13.30%	24.92%	39.35%	74.19%
Free Cash Flow	246.15	249.89	185.3	64.26	27.25
Free Cash Flow Growth	-1.50%	34.86%	188.35%	135.78%	40.99%
Free Cash Flow Per Share	16.04	18.01	14.13	4.75	2.18
Profit Margin	30.04%	173.79%	65.84%	29.74%	30.78%
FCF Margin	157.37%	960.40%	273.65%	47.05%	31.07%
EBITDA	6.52	4.55	2.33	1.81	1.59
EBITDA Margin	4.17%	17.49%	3.44%	1.32%	1.81%
Effective Tax Rate	23.27%	21.11%	21.97%	19.75%	21.44%

Updated Jan 29, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q