NASDAQ$CCB

Coastal Financial Corporation · Q1 2021 earnings

Q1 2021 earnings · · Investor relations

Briefing

Coastal Financial's Q1 2021 financial results were presented.

Coastal Financial Corporation reported its Q1 2021 financial results, which included the impact of Paycheck Protection Program (PPP) loans. As of March 31, 2021, the company funded $736.5 million in PPP loans and earned $3.2 million in net deferred fees on PPP loans during the quarter.

  • Funded a total of $736.5 million in PPP loans to existing and new small business customers in 2020 and 2021.
  • Earned $3.2 million in net deferred fees on PPP loans in the quarter ended March 31, 2021.
  • Core deposits were 95.2% of total deposits as of March 31, 2021.
  • Cost of total deposits was 0.17% for the quarter ended March 31, 2021.

Headline financials

Total Revenue

$20.3M

Previous: $14M+44.6%
EPS (adj)

$0.49

Previous: $0.22+122.7%
Capital Expenditures

-$502K

Previous: -$1.4M+64.1%
Free Cash Flow

$5.52M

Previous: $1.33M+316.3%
Net Income

$6.02M

Previous: $2.72M+120.9%
Operating Income

$15.9M

Previous: $9.7M+63.6%
Gross Profit

$19.9M

Previous: $13.8M+44.2%
Cash & Equivalents

$204M

Previous: $129M+58.1%
Total Assets

$2.03B

Previous: $1.18B+71.4%
Stock-Based Comp

$363K

Previous: $129K+181.4%

Revenue & EPS history

Coastal Financial · Revenue · Quarterly

$20.3M

Q1 2021+44.6%vs Q1 2020
Beat estimate in 13 of 14 quarters(93%)
ActualEstimate

Revenue by segment

Coastal Financial · $60.3M total across 2 segments · Q3 2023

  • CCBX
    $41M+30.3%
  • Community Bank
    $19.3M-15.1%

Forward guidance

Coastal Financial Corporation is investing in infrastructure and making additional hires to support new partners and build a standardized platform for BaaS. They are also building an integrated compliance and reporting system.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2021

Historical avgQ1 2021

+1.8%

Avg return

Earnings day

+1.0%

Avg return

5 days after

+3.7%

Avg return

30 days after

69%

24 / 35 earnings

Positive

+10.4%

Q1 2023

Best reaction

-9.0%

Q3 2023

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+4.0%-15.2%-18.0%
Q4 2025+0.1%-11.3%-26.5%
Q3 2025-3.4%-1.3%+2.8%
Q1 2025+0.3%+3.7%+3.8%
Q4 2024+6.8%+0.4%-2.6%
Q3 2024+10.4%+8.2%+32.1%
Q2 2024+0.1%-7.0%-0.5%
Q1 2024-4.7%+3.2%+6.0%
Q4 2023-6.6%-8.8%-10.2%
Q3 2023-9.0%-9.7%-1.9%
Q2 2023-3.0%-6.2%-8.3%
Q1 2023+10.4%+2.8%+8.2%
Q4 2022+3.9%+8.4%+5.2%
Q3 2022+9.9%+15.6%+18.4%
Q2 2022+4.6%+3.8%+2.9%
Q1 2022+1.1%-0.0%-4.0%
Q4 2021-3.9%+1.8%-2.9%
Q3 2021+3.7%+11.3%+27.0%
Q2 2021+3.1%+1.5%+3.7%
Q1 2021+5.7%+7.2%+11.9%
Q4 2020-1.7%-3.7%+31.8%
Q3 2020+7.0%+15.7%+32.1%
Q2 2020-2.8%-2.1%+0.7%
Q1 2020+8.6%-3.3%+17.8%
Q4 2019+1.6%+2.3%-4.2%
Q3 2019+0.3%-0.1%+12.0%
Q2 2019+4.2%+3.5%-3.4%
Q1 2018-0.1%-2.4%-2.5%
Q1 2019+1.5%-0.8%-1.6%
Q2 2018+6.8%+7.1%+2.3%
Q4 2017+6.8%+7.1%+2.3%
Q4 2018+0.9%-2.5%+10.1%
Q3 2017-1.1%+1.0%-13.3%
Q3 2018-4.6%-0.9%-4.4%
Q2 2017+2.3%+5.3%+3.8%
Q1 2017

Discussion

Share your read of this quarter. Sign-in carries your eToro identity.

Join the conversation

Sign in with eToro to post your read of this quarter and vote on others'.

Sign in with eToro