NASDAQ$CCB

Coastal Financial Corporation · Q1 2026 earnings

Q1 2026 earnings · · Before market open · Investor relations

Briefing

CCB reported Q1 2026 net income of $12.0M, with diluted EPS of $0.78.

For Q1 2026, CCB reported net income of $12.0M. Management discusses operations, capital, and sector drivers in the filing.

  • Net income of $12.0M for Q1 2026.
  • Net income of $12.0M; diluted EPS $0.78.
  • Operating trends and segment mix are detailed in the quarterly report.
  • Liquidity, capital allocation, and macro exposure discussed in MD&A.

Headline financials

Total Revenue

$149M

Previous: $140M+7.1%
EPS (adj)

$0.78

Previous: $0.63+23.8%
Capital Expenditures

-$1.84M

Previous: -$2.76M+33.3%
Net Income

$12M

Previous: $9.73M+23.5%
Operating Income

$56.2M

Previous: $11.8M+377.5%

Revenue & EPS history

Coastal Financial · Revenue · Quarterly

$149M

Q1 2026+7.1%vs Q1 2025
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

The filing discusses CCB's operating environment, capital priorities, and risks; formal quarterly EPS guidance is limited in the 10-Q.

Tailwinds

  • MD&A provides segment and liquidity detail for the quarter.
  • Balance sheet and cash flow support ongoing operations and capital returns where applicable.

Headwinds

  • Macro, competitive, or regulatory risks noted in risk factors.
  • No full-year EPS bridge in the quarterly SEC filing alone.

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 2026

Historical avgQ1 2026

+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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