Coastal Financial (CCB) Cash Flow: Operating & Free Cash Flow

Coastal Financial Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for Coastal Financial Corporation (CCB) - 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
Operating Activities
Net Income	46.99	45.22	44.58	40.63	27.01	15.15	13.20	9.70	5.44
Depreciation & Amortization	6.52	4.55	2.33	1.81	1.59	1.36	1.24	1.07	0.99
Deferred Income Tax	4.45	0.14	13.88	-11.02	-3.01	-1.07	-0.56	-0.38	1.28
Stock Based Compensation	8.60	4.84	3.66	2.52	1.28	0.63	0.43	0.31	0.29
Change in Working Capital	-5.06	-72.55	-56.41	-46.04	-3.84	-5.21	-2.30	2.32	-0.97
Change in Accounts Receivable	-10.05	-5.05	1.33	-9.15	-1.10	0.00	0.00	0.00	0.00
Change in Accounts Payable	0.00	0.00	0.00	18.58	1.84	0.00	0.00	0.00	0.00
Change in Other Working Capital	4.99	-72.05	-57.74	-45.68	-0.17	-5.21	-2.30	2.32	-0.97
Other Operating Activities	193.08	-0.38	183.50	-11.24	-0.17	8.48	1.66	1.38	0.59
Net Cash from Operating Activities	254.58	259.79	191.54	67.10	29.85	19.33	13.67	14.40	7.62
Investing Activities
Capital Expenditures	-8.44	-9.90	-6.25	-2.84	-2.59	-5.37	-1.21	-1.15	-1.06
Acquisitions	0.00	0.00	0.00	0.00	-19.98	0.00	0.00	0.00	0.00
Purchases of Investments	-5.15	-0.55	-50.24	-137.14	-118.44	-31.94	-33.87	-0.09	-5.59
Sales/Maturities of Investments	4.21	103.57	1.28	70.27	104.05	39.49	40.17	0.23	1.78
Other Investing Activities	-516.28	-701.69	-538.81	-918.24	-19.98	-668.72	-169.64	-138.12	-56.89
Net Cash from Investing Activities	-525.65	-608.57	-594.01	-987.95	-239.64	-666.54	-164.55	-139.12	-61.76
Financing Activities
Debt Repayment	0.00	0.00	0.00	-25.00	-163.72	-61.93	-10.00	0.00	5.00
Common Stock Issued	0.19	93.20	0.62	1.47	32.39	0.00	0.00	33.24	0.00
Common Stock Repurchased	-3.53	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Financing Activities	558.87	226.36	542.84	453.73	966.90	453.55	164.47	100.68	54.66
Net Cash from Financing Activities	555.52	318.17	543.46	449.83	859.84	622.27	154.47	133.92	59.65
Summary
Net Change in Cash	284.46	-30.62	140.99	-471.02	650.04	-24.95	3.59	9.20	5.51
Cash at Beginning of Period	452.51	483.13	342.14	813.16	163.12	43.91	40.32	31.12	25.61
Cash at End of Period	736.97	452.51	483.13	342.14	813.16	18.97	43.91	40.32	31.12
Free Cash Flow	246.15	249.89	185.30	64.26	27.25	13.96	12.46	13.25	6.56
Supplemental Disclosures
Interest Paid	-	123.68	91.44	20.07	3.82	6.55	-	-	-
Income Taxes Paid	-	10.54	6.84	23.50	8.76	5.36	-	-	-

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 Cash Flow

What is Coastal Financial's free cash flow?

Coastal Financial generated free cash flow of $246.15M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $254.58M minus $8.44M of capital expenditures. That was down 1.5% from $249.89M a year earlier. Free cash flow equaled 70.5% of revenue.

How much does Coastal Financial spend on capital expenditures?

Coastal Financial spent $8.44M on capital expenditures in fiscal 2025, compared with $9.90M a year earlier. That equals 3.3% of operating cash flow.

Does Coastal Financial pay dividends or buy back shares?

Yes. In fiscal 2025 Coastal Financial returned $3.53M in share buybacks to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition