earnings
confidence high
sentiment neutral
materiality 0.75
Coastal Financial Q4 2025 EPS $0.82, revenue down 4.6% QoQ; core net revenue up 6.8%
COASTAL FINANCIAL CORP
2025-FY EPS reported
$3.06
- Diluted EPS $0.82 vs $0.88 LQ; net income $12.6M, down 7% QoQ and 5.4% YoY.
- Revenue $138.0M, down 4.6% QoQ; core net revenue (non-GAAP) $56.5M, up 6.8% QoQ.
- Total loans $3.75B (+1.2% QoQ); deposits $4.14B (+4.3%), led by CCBX growth.
- Sold $2.98B in loans during Q4; $2.26B from previously sold credit card receivables.
- CCBX partners: 19 active; BaaS program fee income up 50.6% YoY; Robinhood deposit program launched.