Coastal Financial Corporation (CCB)

Coastal Financial Cash Flow 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 Income	46.99	45.22	44.58	40.63	27.01
Depreciation & Amortization	6.52	4.55	2.33	1.81	1.59
Provision for Credit Losses	192.63	277.61	183.99	79.06	9.92
Stock-Based Compensation	8.6	4.84	3.69	2.52	1.28
Other Adjustments	4.37	-0.38	13.36	-11.24	-6.27
Changes in Other Operating Activities	-4.53	-72.05	-56.41	-45.68	-3.68
Operating Cash Flow	254.58	259.79	191.54	67.1	29.85
Operating Cash Flow Growth	-2.00%	35.63%	185.46%	124.81%	54.41%
Net Change in Loans Held-for-Investment	-7,176	-2,025	-1,047	-912.52	-141.5
Net Change in Securities and Investments	-3.42	103.01	-49.19	-66.92	-19.4
Payments for Business Acquisitions	-2.37	-	-	-	-
Capital Expenditures	-8.44	-9.9	-6.25	-2.84	-2.59
Other Investing Activities	-	-	-	-	-19.98
Investing Cash Flow	-525.65	-608.57	-594.01	-987.95	-239.64
Net Change in Deposits	558.87	224.97	542.84	453.73	966.54
Short-Term Debt Issued	-	-	-	-	-153.72
Net Short-Term Debt Issued (Repaid)	-	-	-	-	-153.72
Long-Term Debt Issued	-	-	-	19.63	24.26
Long-Term Debt Repaid	-	-	-	-25	-10
Net Long-Term Debt Issued (Repaid)	-	-	-	-5.37	14.26
Issuance of Common Stock	0.19	93.2	0.62	1.47	32.75
Repurchase of Common Stock	-3.53	-	-	-	-
Net Common Stock Issued (Repurchased)	-3.34	93.2	0.62	1.47	32.75
Financing Cash Flow	555.52	318.17	543.46	449.83	859.84
Net Cash Flow	284.46	-30.62	140.99	-471.02	650.04
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%
FCF Margin	157.37%	960.40%	273.65%	47.05%	31.07%
Free Cash Flow Per Share	16.04	18.01	14.13	4.75	2.18
Levered Free Cash Flow	40.54	-32.18	-15.75	-11.46	-117.13
Unlevered Free Cash Flow	-6.45	-77.4	-60.33	-46.71	-4.68

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

SEC Filings: 10-K · 10-Q