NASDAQ$CCB

Coastal Financial Corporation · Q4 2019 earnings

Q4 2019 earnings · · Investor relations

Briefing

Coastal Financial reported an increase in net income, total loans receivable, and deposits for the fourth quarter and year ended December 31, 2019.

Coastal Financial Corporation reported a net income of $3.6 million, or $0.30 per diluted common share, for the fourth quarter of 2019, compared with $3.5 million, or $0.29 per diluted common share, for the third quarter of 2019. The company's return on average equity was 11.66% for the fourth quarter of 2019. Total assets increased to $1.13 billion at December 31, 2019.

  • Net income for Q4 2019 was $3.6 million, or $0.30 per diluted common share.
  • Net interest income for Q4 2019 was $11.3 million, an increase of 14.6% from Q4 2018.
  • Total assets increased to $1.13 billion at December 31, 2019, up 18.5% from December 31, 2018.
  • The company is introducing its CCBX Division, providing Banking as a Service (BaaS).

Headline financials

Total Revenue

$13.4M

Previous: $11.5M+16.5%
EPS (adj)

$0.30

Previous: $0.25+20.0%
Return on Avg. Assets

1.3%

No prior period
Return on Avg. Equity

11.7%

No prior period
Yield on Earnings Assets

4.9%

No prior period
Yield on Loans Receivable

5.4%

No prior period
Cost of Funds

0.7%

No prior period
Cost of Deposits

0.6%

No prior period
Net Interest Margin

4.3%

No prior period
Noninterest Expense / Avg Assets

2.9%

No prior period
Efficiency Ratio

59.9%

No prior period
Loans to Deposits

97.0%

No prior period
Capital Expenditures

$301K

Previous: $639K-52.9%
Free Cash Flow

$4.03M

Previous: $4.91M-17.8%
Net Income

$3.61M

Previous: $3.06M+18.1%
Operating Income

$4.56M

No prior period
Cash & Equivalents

$128M

Previous: $40.3M+217.0%
Total Assets

$1.13B

Previous: $952M+18.5%
Stock-Based Comp

$106K

Previous: $79K+34.2%

Revenue & EPS history

Coastal Financial · Revenue · Quarterly

$13.4M

Q4 2019+16.5%vs Q4 2018
Beat estimate in 9 of 10 quarters(90%)
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 investments we are making today are not for immediate returns but for longer-term returns that we believe will build value for shareholders while benefiting our customers, employees, and communities we serve

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 Q4 2019

Historical avgQ4 2019

+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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