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Coastal Financial Corp key statistics and ratios

In fiscal 2025, Coastal Financial Corp had return on equity of 10.1% and a net margin of 8.7%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2017Dec 20172018Dec 20182019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Net margin16.3%24.1%26.3%23.1%25.1%13.8%10.2%7.8%8.7%−0.6%
Return on equity8.3%11.1%11.3%11.5%15.8%18.3%16.6%12.3%10.1%−0.8%
Return on assets0.7%1.1%1.3%1.0%1.2%1.4%1.3%1.1%1.1%−0.1%
Effective tax rate46.1%20.8%20.8%20.9%21.4%19.7%22.0%21.1%23.3%—

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

40 /100

Weak moat

How hard Coastal Financial's competitive advantage looks for rivals to wear away, judged from 9 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 12 / 20

    Net income has been a median 1.0% of total assets over 9 years.

  • Durability 5 / 20

    Net margin has been a median 16.8%; its worst year was -0.6%.

  • Discipline 10 / 20

    The diluted share count rose 24.1% over five years; stock-based pay has been a median 0.9% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (44 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

Head to head: CCB vs LOBCCB vs NTBCCB vs SFBS

More: Regional Banks stocks compared, Financials sector, rankings of US companies

Figures from Coastal Financial Corp's SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Coastal Financial Corp.