Coastal Financial Corporation (CCB) Income Statement
CCB 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsCCB revenue and net income
Where CCB's revenue goes
2025Each bar shows an amount and its share of revenue. CCB kept 7.1% of revenue as net income.
CCB profit margins
CCB growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +14.7% | +41.7% | +56.3% | — |
| Gross profit | +99.2% | +38.0% | +43.7% | — |
| Operating income | +6.9% | +6.6% | +26.2% | — |
| Net income | +3.9% | +5.0% | +25.4% | +31.7% |
| EPS (diluted) | −6.5% | +0.4% | +19.6% | — |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
CCB quarterly EPS vs estimates
Coastal Financial beat the analyst EPS estimate in 3 of the last 8 quarters. Next report: November 4, 2026 (estimate $0.99).
CCB income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $661.2M | $576.6M | $330.4M | $232.2M | $105.5M | $70.9M | $56.8M | $44.2M | $36.3M | $33.4M |
| Cost of revenue | $312.2M | $401.4M | $275.6M | $99.5M | $13.6M | $14.0M | $9.1M | $5.8M | $3.7M | $4.4M |
| Gross profit | $349.0M | $175.3M | $330.4M | $132.8M | $91.9M | $57.0M | $47.7M | $38.5M | $32.5M | $29.0M |
| Research & development | — | — | — | — | — | — | — | $0 | — | — |
| Sales, general & admin | $92.4M | $75.5M | $72.8M | $57.5M | $41.1M | $26.3M | $21.0M | $17.7M | $15.0M | $13.6M |
| Total operating expenses | $287.8M | $117.9M | $517,000 | $82.2M | $57.5M | $37.8M | $31.1M | $26.2M | $22.4M | $21.5M |
| Operating income | $61.2M | $57.3M | $57.1M | $50.6M | $34.4M | $19.1M | $16.7M | $12.2M | $10.1M | $7.5M |
| Interest income | $429.1M | $396.3M | $306.8M | $191.8M | $82.8M | $62.8M | $48.4M | $38.6M | $32.1M | $28.5M |
| Interest expense | $119.6M | $123.7M | $91.6M | $20.4M | $3.6M | $5.7M | $6.6M | $3.9M | $2.9M | $2.5M |
| Income before taxes | $61.2M | $57.3M | $57.1M | $50.6M | $34.4M | $19.1M | $16.7M | $12.2M | $10.1M | $7.5M |
| Income taxes | $14.3M | $12.1M | $12.6M | $10.0M | $7.4M | $4.0M | $3.5M | $2.5M | $4.7M | $2.5M |
| Net income | $47.0M | $45.2M | $44.6M | $40.6M | $27.0M | $15.1M | $13.2M | $9.7M | $5.4M | $5.0M |
| EBITDA | $67.8M | $61.9M | $57.1M | $52.4M | $36.0M | $20.5M | $17.9M | $13.3M | $11.1M | $8.4M |
| EPS (diluted) | $3.04 | $3.25 | $3.27 | $3.00 | $2.09 | $1.24 | $1.09 | $0.80 | $0.48 | $0.56 |
| Gross margin | 52.8% | 30.4% | 100.0% | 57.2% | 87.1% | 80.3% | 84.0% | 87.0% | 89.7% | 86.7% |
| Operating margin | 9.3% | 9.9% | 17.3% | 21.8% | 32.6% | 27.0% | 29.3% | 27.7% | 27.8% | 22.3% |
| Net margin | 7.1% | 7.8% | 13.5% | 17.5% | 25.6% | 21.4% | 23.2% | 21.9% | 15.0% | 15.0% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $302.1M | $177.8M | $166.5M | $140.8M | $115.2M | $133.9M | $137.9M | $150.5M | $136.5M | $150.9M | $127.8M | $97.1M |
| Cost of revenue | $121.3M | $79.7M | $76.6M | $87.7M | $63.3M | $84.6M | $91.9M | $103.1M | $93.6M | $112.7M | $89.4M | $53.4M |
| Gross profit | $180.8M | $98.0M | $90.0M | $53.1M | $51.9M | $49.3M | $46.0M | $47.3M | $43.0M | $38.2M | $38.5M | $43.7M |
| Sales, general & admin | $25.2M | $24.6M | $24.7M | $21.8M | $22.9M | $23.1M | $22.1M | $19.8M | $19.0M | $19.2M | $18.7M | $20.5M |
| Total operating expenses | $141.1M | $83.5M | $72.8M | $35.2M | $37.5M | $37.5M | $28.8M | $30.9M | $27.9M | $29.5M | $26.6M | $30.6M |
| Operating income | $39.7M | $14.6M | $17.2M | $17.9M | $14.4M | $11.8M | $17.2M | $16.4M | $15.0M | $8.7M | $11.9M | $13.1M |
| Interest income | $118.3M | $111.6M | $107.7M | $109.0M | $107.6M | $104.9M | $103.5M | $105.0M | $97.3M | $90.4M | $88.1M | $88.3M |
| Interest expense | $29.2M | $28.3M | $28.5M | $31.1M | $31.1M | $28.8M | $30.1M | $32.9M | $31.2M | $29.5M | $28.6M | $26.1M |
| Income before taxes | −$55.2M | $14.6M | $17.2M | $17.9M | $14.4M | $11.8M | $17.2M | $16.4M | $15.0M | $8.7M | $11.9M | $13.1M |
| Income taxes | −$13.1M | $2.6M | $4.5M | $4.3M | $3.4M | $2.0M | $3.8M | $2.9M | $3.4M | $1.9M | $2.8M | $2.8M |
| Net income | −$42.1M | $12.0M | $12.6M | $13.6M | $11.0M | $9.7M | $13.4M | $13.5M | $11.6M | $6.8M | $9.0M | $10.3M |
| EBITDA | $39.7M | $16.3M | $18.9M | $19.5M | $16.1M | $13.3M | $18.6M | $17.5M | $16.1M | $9.6M | $12.6M | $13.7M |
| EPS (diluted) | −$2.76 | $0.78 | $0.82 | $0.88 | $0.71 | $0.63 | $0.94 | $0.97 | $0.84 | $0.50 | $0.66 | $0.75 |
| Gross margin | 59.8% | 55.2% | 54.0% | 37.7% | 45.1% | 36.8% | 33.4% | 31.4% | 31.5% | 25.3% | 30.1% | 45.0% |
| Operating margin | 13.1% | 8.2% | 10.3% | 12.7% | 12.5% | 8.8% | 12.5% | 10.9% | 11.0% | 5.8% | 9.3% | 13.4% |
| Net margin | −13.9% | 6.8% | 7.6% | 9.7% | 9.6% | 7.3% | 9.7% | 8.9% | 8.5% | 4.5% | 7.0% | 10.6% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in CCB's financial statements (latest annual report filed February 27, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
CCB financial results
In fiscal year 2025 (ended December 31, 2025), Coastal Financial reported revenue of $661.2 million, up 14.7% from the year before. It had net income of $47.0 million (up 3.9%), a net profit margin of 7.1%. Diluted earnings per share came to $3.04. Over five years revenue grew at an average rate of 56.3% a year.
See the CCB stock overview for the latest quote and news, or the CCB chart for price history and technical indicators.
CCB income statement FAQ
What is Coastal Financial's annual revenue?
Coastal Financial reported total revenue of $661.2 million for fiscal year 2025, which ended on December 31, 2025. That was up 14.7% from $576.6 million the previous year.
Is Coastal Financial profitable?
Yes. Coastal Financial reported net income of $47.0 million in fiscal 2025, a net profit margin of 7.1%; its operating margin was 9.3%.
What is Coastal Financial's gross margin?
Coastal Financial's gross margin was 52.8% in fiscal 2025: for every $100 of revenue, Coastal Financial kept $53 after the direct cost of its products and services.
How fast is Coastal Financial growing?
Revenue grew 56.3% a year on average over the last five fiscal years, from $70.9 million to $661.2 million.
What are Coastal Financial's earnings per share?
Coastal Financial earned $3.04 per diluted share in fiscal 2025, compared with $3.25 a year earlier.
When will Coastal Financial report its next earnings?
Coastal Financial is expected to report results for the quarter ending September 30, 2026 on November 4, 2026.
When does Coastal Financial's fiscal year end?
Coastal Financial's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on February 27, 2026.