Coastal Financial (CCB) Financial Statements & Analysis

Coastal Financial (CCB) Income Statement

Coastal Financial reported revenue of $349.04M in fiscal 2025 (fiscal year ended Dec 31, 2025), down 39.5% from $576.61M a year earlier. Net income was $46.99M, up 3.9% year over year, a net margin of 13.5%. Gross margin was 100.0% and operating margin 17.5%. In the most recent quarter, Q2 fiscal 2026 (ended Jun 30, 2026), revenue was $85.92M, down 25.4% from the same quarter a year earlier.

Coastal Financial Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Coastal Financial Corporation income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	349.04	576.61	440.43	232.25	101.81	57.26	56.85	44.21	36.27
Cost of Revenue	312.18	401.36	275.64	99.46	13.56	13.96	9.12	5.75	3.75
Gross Profit	349.04	175.26	164.79	132.79	91.90	56.97	47.73	38.46	32.52
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	51.05	75.55	72.14	57.52	41.06	26.26	20.97	17.74	15.02
Operating Expenses	287.80	117.94	107.66	82.17	57.52	37.83	31.06	26.22	22.43
Operating Income	61.25	57.32	57.13	50.62	34.38	19.14	16.66	12.24	10.09
Other Income/Expense
Interest Income	429.62	396.34	322.83	191.83	82.80	62.80	48.41	38.59	31.98
Interest Expense	119.55	123.75	91.64	20.40	3.65	5.65	6.58	3.93	2.88
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	61.25	57.32	57.13	50.62	34.38	19.14	16.66	12.24	10.09
Income Tax Expense	14.25	12.10	12.55	10.00	7.37	4.00	3.46	2.54	4.65
Net Income	46.99	45.22	44.58	40.63	27.01	15.15	13.20	9.70	5.44
Net Income - Continuous Operations	46.99	45.22	44.58	40.63	27.01	15.15	13.20	9.70	5.44
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	6.52	61.87	59.46	52.43	35.96	20.50	17.90	13.31	11.08
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	6.52	4.55	2.33	1.81	1.59	1.36	1.24	1.07	0.99
Earnings Per Share
Basic EPS	3.00	3.00	3.00	3.00	2.00	1.00	1.00	1.00	-
Diluted EPS	3.00	3.00	3.00	3.00	2.00	1.00	1.00	1.00	-
Basic Shares Outstanding	15.05	13.51	13.26	12.95	12.02	11.92	11.90	10.44	11.40
Diluted Shares Outstanding	15.35	13.88	13.64	13.52	12.52	12.21	12.20	10.61	11.40

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Coastal Financial Financial Statements

What was Coastal Financial's revenue in fiscal 2025?

Coastal Financial reported revenue of $349.04M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was down 39.5% from $576.61M a year earlier.

Is Coastal Financial profitable?

Yes. Coastal Financial earned net income of $46.99M in fiscal 2025, a net margin of 13.5%. In fiscal 2024 it earned $45.22M.

What is Coastal Financial's operating margin?

Coastal Financial's operating income was $61.24M on revenue of $349.04M in fiscal 2025, an operating margin of 17.5%, compared with 9.9% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition