Filing Flows › Financials › Coastal Financial (CCB)
Coastal Financial (CCB) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 5, 2026 · Coastal Financial (CCB) Q3 2026 earnings results →
Q3 2026 Revenue up 3% year over year to $149M · 9¢ of every $1 of revenue kept as net profit · operating margin 12.4%
Coastal Financial made $149M in Q3 2026 (+3% Y/Y): Net interest income $88.3M, Noninterest income $61.0M. Operating margin 12.4%, net earnings $13.8M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $149.3M in Q3 2026, up 3% year over year and down 16% from the previous quarter. Net interest income was the largest line at 59% of revenue. Net interest income added $10.4M year over year (up 13%), 223% of the total change. Noninterest income declined 9%.
Operating profit was $18.5M, a 12.4% margin (unchanged year over year). Of the extra revenue versus a year earlier, 12% reached operating profit, below the 12% margin then. Total costs grew 3% against revenue growth of 3%. The fastest-growing cost line was Noninterest expense (+21%). Net earnings were $13.8M, up 1% year over year. The effective tax rate was 25.3%.
Operating cash flow was $41.9M (down 29% year over year), 304% of net earnings. Non-cash charges added back $1.2M of depreciation and amortization and $1.0M of share-based compensation. Working capital and other items added $25.9M. Capital expenditures of $2.4M left free cash flow of $39.6M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 5, 2026 | $149M | +3% | 12.4% | $13.8M | $41.9M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
Loading the interactive chart…
🌏Named in Asian annual reportsinteractive
Loading the interactive chart…
🔄Rotation against the market and its industry (RRG)interactive
Loading the interactive chart…
🔍Earnings qualityinteractive
Loading the interactive chart…
⚖️Fair value by methodinteractive
Loading the interactive chart…
🔭Outlook & guidanceinteractive
Loading the interactive chart…
📈Investments: gains and what it boughtinteractive
Loading the interactive chart…
🏭Its industry’s money flow (input-output)interactive
Loading the interactive chart…
About Coastal Financial
Coastal Financial Corporation (“Company”) is a registered bank holding company, whose wholly owned subsidiaries are Coastal Community Bank (“Bank”) and Arlington Olympic LLC (“LLC”). The Company is a Washington state corporation that was organized in 2003. The Bank was incorporated and commenced operations in 1997 and is a Washington state-chartered commercial bank and Federal Reserve System (“Federal Reserve”) member bank. The LLC was formed in 2019 and owns the Company’s Arlington branch, which the Bank leases from the LLC. Our executive offices are located at 5415 Evergreen Way, Everett, Washington 98203, and our telephone number is (425) 257-9000. Our website addresses are www.coastalbank.com and www.ccbx.com. Information on our website should not be considered a part of this Annual Report on Form 10-K.
In its own words, from its 10-K, filed Feb 27, 2026.
Coastal Financial against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +3% against the peers' median +10%. Operating margin: 12.4% against the peers' median 34.6%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| CCB Coastal Financial | Q3 2026 | $149M | +3% | 12.4% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: Coastal Financial 10-Q on SEC EDGAR · CIK 1437958 · State Commercial Banks
Guidance and outlook
13F: who owns CCB and who is buying
More on CCB
History
Every quarter: Q3 2026 results