CCB

EVERETT, Wash., April 29, 2026 (GLOBE NEWSWIRE) -- Coastal Financial Corporation (Nasdaq: CCB) (the “Company”, "Coastal", "we", "our", or "us"), the holding company for Coastal Community Bank (the “Bank”), through which it operates a community-focused bank segment ("community bank") with an industry leading banking as a service ("BaaS") segment ("CCBX"), today reported unaudited financial results for the quarter ended March 31, 2026, including net income of $12.0 million, or $0.78 per diluted common share, compared to $12.6 million, or $0.82 per diluted common share, for the three months ended December 31, 2025 and $9.7 million, or $0.63 per diluted common share, for the three months ended March 31, 2025. Management Discussion of the First Quarter Results "During the first quarter of 2026, total assets increased $922.4 million, or 19.5%, to $5.66 billion at March 31, 2026 compared to $4.74 billion at December 31, 2025, deposits grew by $897.0 million, or 21.6% and loans receivable increased by $109.8 million, representing a 2.9% rise, marking another period of solid growth. Our CCBX segment continued to expand product offerings with existing partners during the quarter, while advancing new partners through onboarding toward launch and active status in alignment with our long-term strategy. We expect growth to continue as current programs scale, new products are introduced, and we leverage our experience in the BaaS space to support disciplined, sustainable expansion,” stated CEO Eric Sprink. Key Points for First Quarter and Our Go-Forward Strategy CCBX Partner and Product Expansion. As of March 31, 2026 we had two partners in testing, three in implementation/onboarding, and two signed letters of intent (LOIs). Our active pipeline positions us for continued growth, with new partnership opportunities and product launches expected for 2026. Total BaaS program fee income was $10.9 million for the three months ended March 31, 2026, an increase of $2.0 million, or 22.3%, from the three months ended December 31, 2025. We continue to have contracts with our partners that fully indemnify us against fraud and 98.8% against credit risk on CCBX loan partner balances as of March 31, 2026. Deepening CCBX Partner Relationships. During the quarter ended March 31, 2026, we advanced multiple partner products through key development and launch stages. We managed progression ac...

Coastal Financial (CCB) reported Q1 earnings Wednesday of $0.78 per diluted share, up from $0.63 a y

Coastal Financial Corporation (CCB) is expected to deliver a year-over-year increase in earnings on higher revenues when it reports results for the quarter ended March 2026. This widely-known consensus outlook gives a good sense of the company's earnings picture, but how the actual results compare to these estimates is a powerful factor that could impact its near-term stock price. The stock might move higher if these key numbers top expectations in the upcoming earnings report. On the other hand, if they miss, the stock may move lower. While the sustainability of the immediate price change and future earnings expectations will mostly depend on management's discussion of business conditions on the earnings call, it's worth handicapping the probability of a positive EPS surprise. This company is expected to post quarterly earnings of $1.02 per share in its upcoming report, which represents a year-over-year change of +61.9%. Revenues are expected to be $148.7 million, up 6.6% from the year-ago quarter. The consensus EPS estimate for the quarter has been revised 0.4% higher over the last 30 days to the current level. This is essentially a reflection of how the covering analysts have collectively reassessed their initial estimates over this period. Investors should keep in mind that an aggregate change may not always reflect the direction of estimate revisions by each of the covering analysts. Price, Consensus and EPS Surprise Estimate revisions ahead of a company's earnings release offer clues to the business conditions for the period whose results are coming out. This insight is at the core of our proprietary surprise prediction model -- the Zacks Earnings ESP (Expected Surprise Prediction). The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate for the quarter; the Most Accurate Estimate is a more recent version of the Zacks Consensus EPS estimate. The idea here is that analysts revising their estimates right before an earnings release have the latest information, which could potentially be more accurate than what they and others contributing to the consensus had predicted earlier. Thus, a positive or negative Earnings ESP reading theoretically indicates the likely deviation of the actual earnings from the consensus estimate. However, the model's predictive power is significant for positive ESP readings only. A positive Earn...

Sierra Bancorp (BSRR) came out with quarterly earnings of $0.96 per share, beating the Zacks Consensus Estimate of $0.82 per share. This compares to earnings of $0.65 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +17.07%. A quarter ago, it was expected that this parent company of Bank of the Sierra would post earnings of $0.85 per share when it actually produced earnings of $0.97, delivering a surprise of +14.12%. Over the last four quarters, the company has surpassed consensus EPS estimates three times. Sierra Bancorp, which belongs to the Zacks Banks - West industry, posted revenues of $38.58 million for the quarter ended March 2026, missing the Zacks Consensus Estimate by 2.66%. This compares to year-ago revenues of $36.75 million. The company has topped consensus revenue estimates two times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. Sierra Bancorp shares have added about 11% since the beginning of the year versus the S&P 500's gain of 4.7%. While Sierra Bancorp has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for Sierra Bancorp was unfavorable. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #4 (Sell) for the stock. So, the shares are expected to underperform the market in the near future. You can see the complete list of today's...

Preferred Bank (PFBC) came out with quarterly earnings of $2.53 per share, beating the Zacks Consensus Estimate of $2.48 per share. This compares to earnings of $2.23 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +2.22%. A quarter ago, it was expected that this independent commercial bank would post earnings of $2.78 per share when it actually produced earnings of $2.79, delivering a surprise of +0.36%. Over the last four quarters, the company has surpassed consensus EPS estimates four times. Preferred Bank, which belongs to the Zacks Banks - West industry, posted revenues of $69.62 million for the quarter ended March 2026, missing the Zacks Consensus Estimate by 1.02%. This compares to year-ago revenues of $66.66 million. The company has topped consensus revenue estimates three times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. Preferred Bank shares have lost about 0.4% since the beginning of the year versus the S&P 500's gain of 3.2%. While Preferred Bank has underperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for Preferred Bank was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. You can see the complete list of today's Zacks...

As the Q4 earnings season wraps, let’s dig into this quarter’s best and worst performers in the regional banks industry, including Coastal Financial (NASDAQ:CCB) and its peers. Regional banks, financial institutions operating within specific geographic areas, serve as intermediaries between local depositors and borrowers. They benefit from rising interest rates that improve net interest margins (the difference between loan yields and deposit costs), digital transformation reducing operational expenses, and local economic growth driving loan demand. However, these banks face headwinds from fintech competition, deposit outflows to higher-yielding alternatives, credit deterioration (increasing loan defaults) during economic slowdowns, and regulatory compliance costs. Recent concerns about regional bank stability following high-profile failures and significant commercial real estate exposure present additional challenges. The 95 regional banks stocks we track reported a satisfactory Q4. As a group, revenues beat analysts’ consensus estimates by 1.5%. In light of this news, share prices of the companies have held steady. On average, they are relatively unchanged since the latest earnings results. Pioneering the intersection of traditional banking and financial technology in the Pacific Northwest, Coastal Financial (NASDAQ:CCB) operates as a bank holding company that provides traditional banking services and Banking-as-a-Service (BaaS) solutions to consumers and businesses. Coastal Financial reported revenues of $110.5 million, down 1.3% year on year. This print fell short of analysts’ expectations by 16.6%. Overall, it was a disappointing quarter for the company with a significant miss of analysts’ revenue estimates and a significant miss of analysts’ net interest income estimates. "During the fourth quarter of 2025, loans receivable increased by $45.7 million, representing a 1.2% rise, alongside another period of solid deposit growth totaling $171.6 million, or 4.3%. Our CCBX segment continued to progress during the quarter as we executed on a dual strategy of expanding product offerings with existing partners while selectively onboarding new relationships aligned with our long-term objectives. Looking ahead, we expect continued growth as existing programs scale, new products are introduced, and we leverage our growing operating history in the BaaS space to supp...

EVERETT, Wash., Jan. 29, 2026 (GLOBE NEWSWIRE) -- Coastal Financial Corporation (Nasdaq: CCB) (the “Company”, "Coastal", "we", "our", or "us"), the holding company for Coastal Community Bank (the “Bank”), through which it operates a community-focused bank segment ("community bank") with an industry leading banking as a service ("BaaS") segment ("CCBX"), today reported unaudited financial results for the quarter ended December 31, 2025, including net income of $12.6 million, or $0.82 per diluted common share, compared to $13.6 million, or $0.88 per diluted common share, for the three months ended September 30, 2025 and $13.4 million, or $0.94 per diluted common share, for the three months ended December 31, 2024, and $47.0 million, or $3.06 per diluted common share, for the year ended December 31, 2025 compared to $45.2 million, or $3.26 per diluted common share, for the year ended December 31, 2024. Management Discussion of the Fourth Quarter Results "During the fourth quarter of 2025, loans receivable increased by $45.7 million, representing a 1.2% rise, alongside another period of solid deposit growth totaling $171.6 million, or 4.3%. Our CCBX segment continued to progress during the quarter as we executed on a dual strategy of expanding product offerings with existing partners while selectively onboarding new relationships aligned with our long-term objectives. Looking ahead, we expect continued growth as existing programs scale, new products are introduced, and we leverage our growing operating history in the BaaS space to support disciplined, sustainable expansion,” stated CEO Eric Sprink. “We are making steady progress in deploying artificial intelligence across the organization, with several use cases already implemented to improve efficiency, risk management, and the customer experience, and a roadmap focused on responsibly scaling these capabilities. In parallel, we are evaluating opportunities in digital assets and digital deposit solutions, where we believe our platform and regulatory framework position us well for future innovation and growth,” stated CCBX President Brian Hamilton. Key Points for Fourth Quarter and Our Go-Forward Strategy CCBX Partner and Product Expansion. As of December 31, 2025 we had two partners in testing, five in implementation/onboarding, and one signed letter of intent (LOI). Our active pipeline positions us for continue...

The end of the earnings season is always a good time to take a step back and see who shined (and who not so much). Let’s take a look at how regional banks stocks fared in Q3, starting with Coastal Financial (NASDAQ:CCB). Regional banks, financial institutions operating within specific geographic areas, serve as intermediaries between local depositors and borrowers. They benefit from rising interest rates that improve net interest margins (the difference between loan yields and deposit costs), digital transformation reducing operational expenses, and local economic growth driving loan demand. However, these banks face headwinds from fintech competition, deposit outflows to higher-yielding alternatives, credit deterioration (increasing loan defaults) during economic slowdowns, and regulatory compliance costs. Recent concerns about regional bank stability following high-profile failures and significant commercial real estate exposure present additional challenges. The 99 regional banks stocks we track reported a satisfactory Q3. As a group, revenues beat analysts’ consensus estimates by 1.3%. Thankfully, share prices of the companies have been resilient as they are up 5.6% on average since the latest earnings results. Pioneering the intersection of traditional banking and financial technology in the Pacific Northwest, Coastal Financial (NASDAQ:CCB) operates as a bank holding company that provides traditional banking services and Banking-as-a-Service (BaaS) solutions to consumers and businesses. Coastal Financial reported revenues of $113.4 million, down 1.6% year on year. This print fell short of analysts’ expectations by 6%. Overall, it was a softer quarter for the company with a significant miss of analysts’ revenue estimates and a miss of analysts’ net interest income estimates. "During the third quarter of 2025, loans receivable increased by $163.5 million, representing a 4.6% rise, alongside another period of solid deposit growth totaling $59.0 million, or 1.5%,” stated CEO Eric Sprink. Interestingly, the stock is up 5.7% since reporting and currently trades at $111.50. Is now the time to buy Coastal Financial? Access our full analysis of the earnings results here, it’s free for active Edge members. Originally founded with a "high-tech, high-touch" branch-light banking strategy, Customers Bancorp (NYSE:CUBI) is a bank holding company that provides commerci...

Coastal Financial (CCB) posted earnings growth of 16.8% over the past year, falling short of its five-year average growth rate of 19% per year. Net profit margins dipped to 13.9% from 14.9% a year ago, underscoring some margin pressure, while revenue is forecast to surge 31.8% per year. This outpaces the broader US market’s 10.3% annual expectation. Looking ahead, the company is projecting annual earnings growth of 46.5%, well above the industry average. However, its current price-to-earnings multiple of 33.1x stands notably higher than both the US Banks industry and peer averages. This is likely to sharpen investor focus on the balance between robust growth forecasts and premium valuation. See our full analysis for Coastal Financial. Next, we will compare these latest figures to the prevailing narratives circulating in the market. Some may be reinforced, while others could be upended by the new data. Curious how numbers become stories that shape markets? Explore Community Narratives Net profit margins slid to 13.9% this year from 14.9% a year ago, signaling some pressure on the company's ability to convert growing revenue into earnings. What is surprising is that, while recent news coverage highlights operational stability and the market seems reassured by steady profits, the compression in margins challenges the prevailing confidence and raises a real test for future profitability. Though the market values CCB’s community focus and stability, the margin dip shows that cost pressures or competitive dynamics may erode some of these advantages if not addressed. Investors attracted by stability may find the underlying margin trend less reassuring as a sustained indicator of durable growth. Coastal Financial’s price-to-earnings ratio, at 33.1x, stands far above the US Banks industry average of 11x and the peer average of 11.6x, illustrating investors’ willingness to pay a significant premium relative to other banks. The prevailing narrative that Coastal deserves a “stability premium” is brought into sharper focus, since this elevated valuation multiple compresses the upside from here unless future guidance is exceeded in consecutive years. Despite solid earnings growth and no major insider selling, buying at such a high valuation requires confidence that forward growth targets, not just sector averages, will be reached or exceeded. The current share price of $1...

EVERETT, Wash., Oct. 29, 2025 (GLOBE NEWSWIRE) -- Coastal Financial Corporation (Nasdaq: CCB) (the “Company”, "Coastal", "we", "our", or "us"), the holding company for Coastal Community Bank (the “Bank”), through which it operates a community-focused bank segment ("community bank") with an industry leading banking as a service ("BaaS") segment ("CCBX"), today reported unaudited financial results for the quarter ended September 30, 2025, including net income of $13.6 million, or $0.88 per diluted common share, compared to $11.0 million, or $0.71 per diluted common share, for the three months ended June 30, 2025 and $13.5 million, or $0.97 per diluted common share, for the three months ended September 30, 2024. Management Discussion of the Third Quarter Results "During the third quarter of 2025, loans receivable increased by $163.5 million, representing a 4.6% rise, alongside another period of solid deposit growth totaling $59.0 million, or 1.5%,” stated CEO Eric Sprink. "In addition, we saw positive partner progression during the quarter, with one moving to active status and three moving to the implementation stage, while our CCBX program fee income continues its upward trajectory. We remain confident in our ability to manage expenses and maintain credit quality, even in a changing economic and interest rate environment.” Key Points for Third Quarter and Our Go-Forward Strategy CCBX Partner and Product Expansion. As of September 30, 2025 we had two partners in testing, four in implementation/onboarding, and two signed letters of intent (LOI). Our active pipeline positions us for continued growth, with new partnership opportunities and product launches expected throughout 2025 and into 2026. Total BaaS program fee income was $7.6 million, for the three months ended September 30, 2025, an increase of $764,000, or 11.3%, from the three months ended June 30, 2025, excluding $504,000 in nonrecurring revenue recognized during the second quarter 2025 (a reconciliation of the non-GAAP measures are set forth in the "Non-GAAP Financial Measures" section of this earnings release). We continue to have contracts with our partners that fully indemnify us against fraud and 98.9% against credit risk on CCBX loan partner balances as of September 30, 2025. Favorable Movement in Noninterest Expense. Total noninterest expense of $70.2 million was down $2.7 million, or 3.7%, as c...

Explore Coastal Financial's Fair Values from the Community and select yours Revenue: US$87.2m (up 20% from 2Q 2024). Net income: US$11.0m (down 4.9% from 2Q 2024). Profit margin: 13% (down from 16% in 2Q 2024). The decrease in margin was driven by higher expenses. EPS: US$0.73 (down from US$0.86 in 2Q 2024). Trump has pledged to "unleash" American oil and gas and these 15 US stocks have developments that are poised to benefit. All figures shown in the chart above are for the trailing 12 month (TTM) period Revenue missed analyst estimates by 21%. Earnings per share (EPS) also missed analyst estimates by 15%. Looking ahead, revenue is forecast to grow 48% p.a. on average during the next 2 years, compared to a 7.7% growth forecast for the Banks industry in the US. Performance of the American Banks industry. The company's shares are up 4.6% from a week ago. What about risks? Every company has them, and we've spotted 1 warning sign for Coastal Financial you should know about. Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team (at) simplywallst.com. This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

Earnings results often indicate what direction a company will take in the months ahead. With Q2 behind us, let’s have a look at Coastal Financial (NASDAQ:CCB) and its peers. Regional banks, financial institutions operating within specific geographic areas, serve as intermediaries between local depositors and borrowers. They benefit from rising interest rates that improve net interest margins (the difference between loan yields and deposit costs), digital transformation reducing operational expenses, and local economic growth driving loan demand. However, these banks face headwinds from fintech competition, deposit outflows to higher-yielding alternatives, credit deterioration (increasing loan defaults) during economic slowdowns, and regulatory compliance costs. Recent concerns about regional bank stability following high-profile failures and significant commercial real estate exposure present additional challenges. The 98 regional banks stocks we track reported a satisfactory Q2. As a group, revenues were in line with analysts’ consensus estimates. Amidst this news, share prices of the companies have had a rough stretch. On average, they are down 5.7% since the latest earnings results. Pioneering the intersection of traditional banking and financial technology in the Pacific Northwest, Coastal Financial (NASDAQ:CCB) operates as a bank holding company that provides traditional banking services and Banking-as-a-Service (BaaS) solutions to consumers and businesses. Coastal Financial reported revenues of $119.4 million, down 11.7% year on year. This print fell short of analysts’ expectations by 21.5%. Overall, it was a disappointing quarter for the company with a significant miss of analysts’ net interest income and EPS estimates. “Second quarter of 2025 saw a lower provision for credit losses as a result of an improvement in the performance of the CCBX portfolio and our focus on originating higher quality CCBX loans resulting in lower historical loss factors. Noninterest expenses were fairly flat compared to last quarter related to continued onboarding and implementation costs for partnerships and products within CCBX and investments in technology. We believe these investments are important to the long-term success and scalability of the Company,” stated CEO Eric Sprink. Unsurprisingly, the stock is down 8.9% since reporting and currently trades at $92.40. Is n...