COASTAL FINANCIAL CORP CCB

Financials SIC 6022 - State Commercial Banks NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Commercial Banking derived Nasdaq

Coastal Financial Corporation ("Company") is a registered bank holding company, whose wholly owned subsidiaries are Coastal Community Bank ("Bank") and Arlington Olympic LLC ("LLC"). The Company is a Washington state corporation that was organized in 2003. The Bank was incorporated and commenced operations in 1997 and is a Washington state-chartered commercial bank and Federal Reserve System ("Federal Reserve") member bank. The LLC was formed in 2019 and owns the Company's Arlington branch, which the Bank leases from the LLC. Our executive offices are located at 5415 Evergreen Way, Everett, Washington 98203, and our telephone number is (425) 257-9000. Our website addresses are www.coastalbank.com and www.ccbx.com. Information on our website should not be considered a part of this Annual Report on Form 10-K.

Last close 45.22 2026-10-23
Market cap $691.2M 2026-06-30 share count
52-week range 35.56 - 120.05

Valuation FY2025 figures against the last close

P/S1.6x
P/E14.8x
P/FCF2.8x
EV/EBITDA—
Dividend yield—
Diluted EPS3.06

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $429.6M$396.8M$323.2M$192.2M$83.1M$63.0M$48.6M$38.7M$32.1M—
Interest expense $310.1M$273.0M$231.6M$171.8M$3.6M$5.7M$6.6M$3.9M$2.9M—
Pre-tax income $61.2M$57.3M$57.1M$50.6M$34.4M$19.1M$16.7M$12.2M$10.1M—
Income tax $14.3M$12.1M$12.6M$10.0M$7.4M$4.0M$3.5M$2.5M$4.7M—
Net income $47.0M$45.2M$44.6M$40.6M$27.0M$15.1M$13.2M$9.7M$5.4M—
EPS, basic 3.123.353.363.142.251.271.110.930.59—
EPS, diluted 3.063.263.273.012.161.241.080.910.59—
Shares, diluted (wtd. avg.) 15.4M13.9M13.6M13.5M12.5M12.2M12.2M10.6M9.2M—

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $737.0M$452.5M$483.1M$342.1M$813.2M$163.1M$43.9M$40.3M$31.1M$25.6M
Property, plant and equipment $29.3M$27.4M$22.1M$18.2M$17.2M$17.1M$13.1M$13.2M$13.1M—
Other intangibles $4.5M$0————————
Total assets $4.74B$4.12B$3.53B$3.45B$2.64B$1.77B$1.13B$952.1M$805.8M—
Total liabilities $4.25B$3.68B$3.26B$3.19B$2.43B$1.63B$1.00B$843.0M$740.0M—
Retained earnings $257.5M$210.5M$165.3M$120.0M$79.4M$52.4M$37.2M$24.0M$14.1M—
Total equity $491.0M$438.7M$295.0M$243.5M$201.2M$140.2M$124.2M$109.2M$65.7M$59.9M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $254.6M$259.8M$191.5M$67.1M$29.8M$19.3M$13.7M$14.4M$7.6M—
Depreciation and amortisation $6.5M$4.6M$2.3M$1.8M$1.6M$1.4M$1.2M$1.1M$993.0K—
Stock-based compensation $8.6M$4.8M$3.7M$2.5M$1.3M$630.0K$431.0K$310.0K$285.0K—
Capital expenditure $8.4M$9.9M$6.2M$2.8M$2.6M$5.4M$1.2M$1.1M$1.1M—
Investing cash flow -$525.7M-$608.6M-$594.0M-$987.9M-$239.6M-$666.5M-$164.5M-$139.1M-$61.8M—
Financing cash flow $555.5M$318.2M$543.5M$449.8M$859.8M$622.3M$154.5M$133.9M$59.7M—
Buybacks ————————$3.0K—

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001437958-26-000023.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 200M 400M 600M Revenue, FY2017: 32.1M Net income, FY2017: 5.4M Revenue, FY2018: 38.7M Net income, FY2018: 9.7M Revenue, FY2019: 48.6M Net income, FY2019: 13.2M Revenue, FY2020: 63M Net income, FY2020: 15.1M Revenue, FY2021: 83.1M Net income, FY2021: 27M Revenue, FY2022: 192.2M Net income, FY2022: 40.6M Revenue, FY2023: 323.2M Net income, FY2023: 44.6M Revenue, FY2024: 396.8M Net income, FY2024: 45.2M Revenue, FY2025: 429.6M Net income, FY2025: 47M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue — $32.1M $38.7M $48.6M $63.0M $83.1M $192.2M $323.2M $396.8M $429.6M
Gross profit — — — — — — — — — —
Net income — $5.4M $9.7M $13.2M $15.1M $27.0M $40.6M $44.6M $45.2M $47.0M

Recent filings and events

  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Charter or fiscal year changed A change to the company's governing documents, or to when its year ends. Item 5.03
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Officer or director change Item 5.02
  • Regulation FD disclosure Item 7.01
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Results announced Item 2.02
  • Regulation FD disclosure Item 7.01
  • Regulation FD disclosure Item 7.01
  • Officer or director change Item 5.02

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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