COASTAL FINANCIAL CORP
CCBNasdaqFinancials · State Commercial Banks · WA · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $47.0M | $45.2M | $44.6M | $40.6M | $27.0M | $15.1M |
| Total assets | $4.74B | $4.12B | $3.45B | $3.14B | $2.64B | $1.77B |
| Total liabilities | $4.25B | $3.68B | $3.19B | $2.90B | $2.43B | $1.63B |
| Equity | $491.0M | $438.7M | $295.0M | $243.5M | $201.2M | $140.2M |
| EPS (diluted) | $3.06 | $3.26 | $3.27 | $3.01 | $2.16 | $1.24 |
| Shares out. | 15.0M | 13.4M | 13.2M | 12.9M | 12.0M | 11.9M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- —
- Return on equity
- 9.6%
- Return on assets
- 1.0%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 89.6%
- Debt / equity
- 8.66×
- Book value / share
- $32.72
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 3.9%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −4.4%clean
- Piotroski F-Score
- 3/6weak
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Vanguard Group IncPassive (13G)Mar 26, 2026
- T. Rowe Price Investment Management, Inc.Passive (13G)Feb 14, 2025
- Endeavour Capital Advisors IncPassive (13G)Feb 14, 2025
- Blackrock, Inc.Passive (13G)Feb 5, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Chapman Jeffrey MDirector | May 26, 2026 | Grant | 1,532 | $0.00 |
| Delorier Rilla SDirector | May 26, 2026 | Grant | 1,193 | $0.00 |
| Hovde Steven DDirector | May 26, 2026 | Grant | 1,333 | $0.00 |
| Klee StephanDirector | May 26, 2026 | Grant | 1,369 | $0.00 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 1.4M | 8.0 | +4.0% |
| Apr 30, 2026 | 1.4M | 7.8 | +6.0% |
| Apr 15, 2026 | 1.3M | 10.3 | -24.0% |
| Mar 31, 2026 | 1.7M | 12.2 | +9.8% |
| Mar 13, 2026 | 1.5M | 8.9 | +1.4% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Shareholder voteMay 29, 2026
- Regulation FD disclosureApr 29, 2026
- Regulation FD disclosureApr 29, 2026
- Results of operationsApr 29, 2026
- Director / officer changeMar 12, 2026
- Regulation FD disclosureJan 29, 2026
- Results of operationsJan 29, 2026
- Regulation FD disclosureOct 29, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (1)
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