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Coastal Financial Corporation returned to profitability with third-quarter net income of $13.8 million, or $0.89 per diluted share, and a common equity Tier 1 ratio of 11.5%. It identified over 20 million in potential annualized savings over the next four to six quarters.
Coastal Financial Corporation said Brian Hamilton will become a consultant through May 1, 2027, earning $35,000 monthly up to $245,000, while Eric M. Sprink’s annual base salary falls from $874,000 to $500,000 effective October 28, 2026.
Coastal Financial Corporation reported Third Quarter 2026 net income of $13.8 million and EPS of $0.89; noninterest expense fell $56.3 million to $84.8 million, while BaaS program income rose $2.1 million, or 17.6%, to $14.1 million.
Coastal Financial Corporation reported net income of $13.8 million, or $0.89 per diluted common share, for the quarter ended September 30, 2026, versus a net loss of $(42.1) million, or $(2.76) per diluted common share, in the second quarter.
Bluevine, Inc. agreed to be acquired by Valley National Bancorp, subject to regulatory approvals. Coastal Financial Corporation does not expect a material adverse liquidity or funding impact from approximately $447 million of Bluevine-related deposits at Coastal Community Bank.
Useful current figures from the complete screener profile.
* Q4 derived as the full year minus Q1 to Q3.
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Illustrative technical + ownership context — a signal mix, not investment advice.
| Metric | Latest | Period | YoY |
|---|---|---|---|
| additional contingent borrowing capacity | 827.4M | September 30, 2026 | — |
| additional credit card receivables originated through ongoing cardholder spend and revolving act | 4.69B | the third quarter of 2026 | — |
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| Allowance for credit loss allocated to the CCBX portfolio | 192M | September 30, 2026 | — |
| Allowance for credit loss allocated to the community bank | 16.1M | September 30, 2026 | — |
| Allowance for credit losses to nonperforming loans | 344.2% | September 30, 2026 | — |
| Allowance for credit losses to total loans receivable | 4.97% | September 30, 2026 | — |
| available loan commitments | 572.5M | Q3 FY2026 | — |
| available under credit facilities with banker's banks | 206M | September 30, 2026 | — |
| Average BaaS Loans | 2.48B | the three months ended September 30, 2026 | — |
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| average consumer loan balance | $400 | Q3 FY2026 | — |
| Average investment securities | 45M | the three months ended September 30, 2026 | — |
| Average Loan Balance | 2.96M | as of September 30, 2026 | — |
| BaaS credit enhancements | 41.77M | quarter ended September 30, 2026 | — |
| BaaS fraud enhancements | 4.13M | quarter ended September 30, 2026 | — |
| BaaS loan interest income | 79.62M | the three months ended September 30, 2026 | — |
| BaaS program fee income | 14.1M | quarter ended September 30, 2026 | — |
| Bluevine deposits | 452.4M | September 30, 2026 | — |
| Bluevine deposits swept off-balance sheet | 1.85B | September 30, 2026 | — |
| Bluevine originated loans | 3M | September 30, 2026 | — |
| borrowing capacity | 621.4M | September 30, 2026 | — |
| Cash Reserve/Pledge Account Amount | 84.96M | as of September 30, 2026 | — |
| CCBX loans | 2.21B | quarter ended September 30, 2026 | — |
| CCBX loans sold | 5.99B | quarter ended September 30, 2026 | — |
| CCBX nonaccrual loans | 23.3M | September 30, 2026 | — |
| Combined total in commercial and industrial loans | 1.17B | as of September 30, 2026 | — |
| Combined total in construction, land and land development loans | 296.6M | as of September 30, 2026 | — |
| combined total in consumer and other loans | 2.81B | Q3 FY2026 | — |
| Commercial and industrial loans | 11.3% | Q3 FY2026 | — |
| Commercial real estate loans | 30.8% | Q3 FY2026 | — |
| Commitments associated with sold credit card receivables subject to receivable sale agreements | 7.78B | as of September 30, 2026 | — |
| Commitments to extend credit | 2.74B | as of September 30, 2026 | — |
| Community bank nonperforming loans | 5.8M | September 30, 2026 | — |
| Construction, land and land development loans | 5.9% | Q3 FY2026 | — |
| Consumer loans | 39.5% | Q3 FY2026 | — |
| Cost of deposits (1) | 2.61% | Three Months Ended September 30, 2026 | — |
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| Cost of funds (1) | 2.67% | Three Months Ended September 30, 2026 | — |
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| deposits | 1.64B | the third quarter | — |
| Efficiency ratio | 56.82% | Three Months Ended September 30, 2026 | — |
| Equity investment commitment | 2.48M | as of September 30, 2026 | — |
| Implementation / onboarding | 2 | September 30, 2026 | — |
| Interest rate spread | 5.99% | Three Months Ended September 30, 2026 | — |
| loan income net of BaaS loan expense divided by average loans non-GAAP | 6.86% | quarter ended September 30, 2026 | — |
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| loan sales | 5.99B | the three months ended September 30, 2026 | — |
| Loans receivable to deposits (2) | 92.46% | Three Months Ended September 30, 2026 | — |
| loans sold | 5.99B | the third quarter of 2026 | — |
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| negative deposit account | 22.8M | September 30,2026 | — |
| Net BaaS loan income non-GAAP | 43.91M | the three months ended September 30, 2026 | — |
| net BaaS loan income divided by average CCBX loans non-GAAP | 7.02% | quarter ended September 30, 2026 | — |
| Net charge-offs | 49.9M | the quarter ended September 30, 2026 | — |
| Net charge-offs as a percent of average loans | 4.43% | the quarter ended September 30, 2026 | — |
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| Net interest margin (1) | 6.59% | Three Months Ended September 30, 2026 | — |
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| Net loan income non-GAAP | 77.37M | the three months ended September 30, 2026 | — |
| net loans | 1.98B | quarter ended September 30, 2026 | — |
| Noninterest expense to average assets (1) | 6.2% | Three Months Ended September 30, 2026 | — |
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| Noninterest expense, net of BaaS loan expense, BaaS fraud expense and reimbursement of expenses non-GAAP | 42.41M | the three months ended September 30, 2026 | — |
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| Noninterest income to average assets (1) | 4.46% | Three Months Ended September 30, 2026 | — |
| Nonperforming assets (5) to loans receivable and OREO | 1.44% | September 30, 2026 | — |
| Nonperforming CCBX loans | 54.6M | September 30, 2026 | — |
| Nonperforming CCBX loans covered by CCBX partner credit enhancements | 52.8M | September 30, 2026 | — |
| Nonperforming loans to loans receivable ratio | 1.44% | September 30, 2026 | — |
| off-balance sheet credit card accounts | 1.3M | the third quarter | — |
| Other consumer and other loans | 10.74M | September 30, 2026 | — |
| Outstanding capital call lines | 209.7M | as of September 30, 2026 | — |
| outstanding loan balances | 4.19B | Q3 FY2026 | — |
| Reimbursement of expenses (BaaS) | 2.59M | the three months ended September 30, 2026 | — |
| Residential real estate loans | 12.5% | Q3 FY2026 | — |
| Retained loans | 25.1M | the quarter ended September 30, 2026 | — |
| Retained share | 15% | the quarter ended September 30, 2026 | — |
| Return on average assets | 1.01% | the third quarter | — |
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| Return on average equity (1) | 11.64% | Three Months Ended September 30, 2026 | — |
| Signed letters of intent | 3 | September 30, 2026 | — |
| specific reserve | 100% | September 30,2026 | — |
| Standby letters of credit | 2.05M | as of September 30, 2026 | — |
| Tangible book value per share non-GAAP | $31.02 | Q3 FY2026 | — |
| Time deposits $250,000 and over | 3.58M | September 30, 2026 | — |
| Time deposits less than $250,000 | 6.13M | September 30, 2026 | — |
| Total average loans receivable | 4.47B | the three months ended September 30, 2026 | — |
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| Total CCBX nonperforming assets to total consolidated assets | 1.04% | September 30,2026 | — |
| Total community bank nonperforming assets to total consolidated assets | 0.11% | September 30,2026 | — |
| Total nonaccrual loans | 5.84M | September 30,2026 | — |
| Total nonperforming assets | 5.84M | September 30,2026 | — |
| Total nonperforming loans | 5.84M | September 30,2026 | — |
| total of these categories | 6.93B | Q3 FY2026 | — |
| Uninsured deposits | 899.6M | September 30, 2026 | — |
| Wind down - active but preparing to exit relationship | 4 | September 30, 2026 | — |
| Yield on earnings assets (1) | 9.05% | Three Months Ended September 30, 2026 | — |
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| Yield on loans receivable (1) | 10.03% | Three Months Ended September 30, 2026 | — |
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| Average balance of interest earning deposits with other banks | 717.9M | the three months ended June 30, 2026 filing | — |
| Average deposits | $4.37B | Three months ended June 30, 2026 filing | — |
| Average yield on investment securities | 5.36% | the three months ended June 30, 2026 filing | — |
| CCBX Provision for credit losses - loans | 94.31M | the three months ended June 30, 2026 filing | — |
| Credit enhancement at end of period | 154.35M | the three months ended June 30, 2026 filing | — |
| Ratio of average noninterest bearing deposits to average total deposits | 13.4% | Three months ended June 30, 2026 filing | — |
| Active CCBX relationships | 22 | As of June 30, 2026 | — |
| Capitalized software amortization | $4.4M | Three months ended June 30, 2026 | — |
| Common Equity Tier 1 Capital (to risk-weighted assets) | 10.86% | As of June 30, 2026 | — |
| Company common equity Tier 1 ratio | 10.86% | As of June 30, 2026 | — |
| Contingent borrowing capacity | $1.12B | As of June 30, 2026 | — |
| Cost of deposits (CCBX) | 3.19% | Three months ended June 30, 2026 | — |
| Cost of deposits (Community Bank) | 1.46% | Three months ended June 30, 2026 | — |
| Deposits swept off for FDIC insurance and liquidity purposes | $4.26B | As of June 30, 2026 | — |
| Gross CCBX loans receivable | 2.23B | As of June 30, 2026 | — |
| Gross charge-offs | $58.22M | Quarter ended June 30, 2026 | — |
| Gross community bank loans receivable | 1.99B | As of June 30, 2026 | — |
| Loan growth | 9% | Second quarter of 2026 | — |
| Loan Yield (Community Bank) | 6.57% | Three months ended June 30, 2026 | — |
| Loan Yield - CCBX | 14.56% | Three months ended June 30, 2026 | — |
| Net interest margin, net of BaaS loan expense non-GAAP | 3.98% | Three Months Ended June 30, 2026 | — |
| Noninterest income from deposit sweep | $1.2M | Quarter ended June 30, 2026 | — |
| Nonperforming assets to total assets | 1.38% | As of June 30, 2026 | — |
| Tier 1 Capital (to risk-weighted assets) | 10.94% | As of June 30, 2026 | — |
| Tier 1 leverage ratio | 9.11% | As of June 30, 2026 | — |
| Total BaaS program fee income | $12M | Three months ended June 30, 2026 | — |
| Total CCBX deposits | 3.29B | As of June 30, 2026 | — |
| Total CCBX relationships | 30 | As of June 30, 2026 | — |
| Total community bank deposits | 1.57B | As of June 30, 2026 | — |
| Total exited relationships life to date | 10 | As of June 30, 2026 | — |
| Total risk-based capital ratio | 13.3% | As of June 30, 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
CCB
this stock
Coastal Financial Corp
|
$679.48M | -61.2% | +23.6% | — | 8.2% |
|
HDB
Hdfc Bank Ltd
|
$125.16B | -33.4% | -3.2% | — | 0.8% |
|
MFG
Mizuho Financial Group Inc
|
$115.17B | +33.9% | — | — | 0.0% |
|
IBN
Icici Bank Ltd
|
$112.24B | +4.9% | — | — | 0.6% |
|
USB
US Bancorp De
|
$95.09B | +14.4% | +4.4% | 12.2 | 1.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
Coastal Financial Corporation reported Third Quarter 2026 net income of $13.8 million and EPS of $0.89; noninterest expense fell $56.3 million to $84.8 million, while BaaS program income rose $2.1 million, or 17.6%, to $14.1 million.
View| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| CCB | -5.7% | +8.6% | -36.2% | +2.7% | -61.2% |
| SPY | -0.7% | -1.3% | +2.5% | +1.5% | +12.5% |
| vs SPY | -5.0% | +9.9% | -38.7% | +1.2% | -73.7% |
