NASDAQ$CCB

Coastal Financial Corporation · Q1 2025 earnings

Q1 2025 earnings · · Before market open · Investor relations

Briefing

Coastal Financial reported Q1 2025 revenue of $76.1M, net income of $9.7M, diluted EPS of $0.63.

For Q1 2025, Coastal Financial reported Revenue was $76.1M, net income was $9.7M, diluted EPS was $0.63. Management discusses operating trends, liquidity, and outlook in the quarterly filing.

  • Revenue $76.1M for Q1 2025.
  • Net income $9.7M.
  • Diluted EPS $0.63.

Headline financials

Total Revenue

$140M

Previous: $148M-5.6%
EPS (adj)

$0.63

Previous: $0.50+26.0%
Return on Avg. Assets

0.9%

No prior period
Return on Avg. Equity

8.9%

No prior period
Yield on Earnings Assets

10.3%

No prior period
Yield on Loans Receivable

11.3%

No prior period
Cost of Funds

3.1%

No prior period
Cost of Deposits

3.1%

No prior period
Net Interest Margin

7.5%

No prior period
Noninterest Expense / Avg Assets

6.9%

No prior period
Noninterest Income / Avg Assets

6.1%

No prior period
Efficiency Ratio

51.6%

No prior period
Loans to Deposits

93.9%

No prior period
Capital Expenditures

-$2.76M

Previous: -$1.79M-54.6%
Net Income

$9.73M

Previous: $6.8M+43.1%
Operating Income

$11.8M

Previous: $24.3M-51.5%

Revenue & EPS history

Coastal Financial · Revenue · Quarterly

$140M

Q1 2025-5.6%vs Q1 2024
Beat estimate in 8 of 15 quarters(53%)
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

Financial outlook depends on net interest income, credit quality, and investment marks.

Tailwinds

  • Net interest income or fee income supports returns.
  • Portfolio diversification.

Headwinds

  • Rate moves and credit nonaccruals.
  • Regulatory and refinancing risk.

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 2025

Historical avgQ1 2025

+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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