CCBNasdaqState Commercial BanksFiscal year ends December 31
COASTAL FINANCIAL CORP
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026
$42.02+0.00 (0.00%)
Close on Oct 19, 2026
- Market cap
- $640.53M
- P/E (TTM)
- –
- Dividend yield
- –
Margins
Share of revenue, fiscal years 2016 to 2025
Net margin
8.7%−12406.1 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | -6.8% | +1411.1% | +436.4% | – | |
| Net income | +3.9% | +5.0% | +25.4% | – | |
| EPS, diluted | -6.1% | +0.6% | +19.8% | – | |
| Free cash flow | -1.5% | +56.5% | +77.5% | – |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | – | 11.5% | 10.1% | |
| Return on assets | – | 1.0% | 1.1% | |
| Capex to revenue | – | 4400.0% | 1.6% | |
| Diluted shares | – | 12M | 15M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Coastal Financial generated $802.86M from operations and spent $30.01M on capital expenditure, dividends and share buybacks. 100% of that went back into the business.
Generated
$802.86M
Used
$30.01M
Capital expenditure$30.01M100%Dividends$00%Share buybacks$00%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin8.7%
×Asset turnover0.12×
×Equity multiplier9.53×
=Return on equity, FY202510.1%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 8.7% | 0.12× | 9.53× | 10.1% |
| FY2024 | 7.8% | 0.15× | 10.73× | 12.3% |
| FY2023 | 10.2% | 0.13× | 12.80× | 16.6% |
| FY2022 | 25875.8% | 0.00× | 13.00× | 18.3% |
| FY2021 | 21263.8% | 0.00× | 12.89× | 15.8% |
| FY2020 | 12414.8% | 0.00× | 10.95× | 11.5% |
| FY2019 | 22760.3% | 0.00× | 8.92× | 11.3% |
| FY2018 | 11976.5% | 0.00× | 10.05× | 11.1% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
3of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$46.99M
- Cash generatingOperating cash flow above zero$254.58M
- Return on assets improvedROA up on the prior year1.2% → 1.1%
- Earnings backed by cashOperating cash flow above net income$254.58M vs $46.99M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise14M → 15M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.15 → 0.13