NASDAQ$CCB

Coastal Financial Corporation · Q1 2022 earnings

Q1 2022 earnings · · Investor relations

Briefing

Reported unaudited financial results with net income of $6.2 million and total assets of $2.83 billion.

Coastal Financial Corporation reported strong first quarter results, with net income of $6.2 million, driven by growth in total assets, deposits, and non-PPP loans. The CCBX segment continues to be a significant contributor to the company's growth.

  • Total assets increased by $198.2 million, reaching $2.83 billion.
  • Non-PPP loan growth was $283.8 million, representing a 17.3% increase.
  • Deposit growth of $212.7 million, bringing the total to $2.58 billion.
  • Total revenue increased by $12.3 million, a 31.7% increase.

Headline financials

Total Revenue

$51.3M

Previous: $20.3M+152.5%
EPS (adj)

$0.46

Previous: $0.49-6.1%
Return on Avg. Assets

0.9%

No prior period
Return on Avg. Equity

12.1%

No prior period
Yield on Loans Receivable

6.8%

No prior period
Cost of Deposits

0.1%

No prior period
Net Interest Margin

4.5%

No prior period
Efficiency Ratio

59.3%

No prior period
Loans to Deposits

76.2%

No prior period
Capital Expenditures

-$1.3M

Previous: -$502K-159.0%
Free Cash Flow

$4.93M

Previous: $5.52M-10.6%
Net Income

$6.23M

Previous: $6.02M+3.5%
Operating Income

$47M

Previous: $15.9M+196.1%
Gross Profit

$50.9M

Previous: $19.9M+155.3%
Cash & Equivalents

$682M

Previous: $204M+233.9%
Total Assets

$2.83B

Previous: $2.03B+39.6%
Stock-Based Comp

$539K

Previous: $363K+48.5%

Revenue & EPS history

Coastal Financial · Revenue · Quarterly

$51.3M

Q1 2022+152.5%vs Q1 2021
Beat estimate in 15 of 16 quarters(94%)
ActualEstimate

Revenue by segment

Coastal Financial · $20.1M total across 1 segment · Q1 2022

  • CCBX
    $20.1M

Forward guidance

Management anticipates additional rate increases in 2022, which will result in higher interest expense on interest bearing deposits.

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 2022

Historical avgQ1 2022

+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

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