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Coastal Financial cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$39.6M in Q3 2026 · $244M over twelve months

Operating cash flow$41.9M
Capital spending−$2.4M
Free cash flow+$39.6M
Cash / net income3.0×

Analysis

In Q3 2026, Coastal Financial generated $41.9M of operating cash flow and spent $2.4M on capital projects, leaving free cash flow of $39.6M. That is $17.8M less than in Q3 2025 ($57.4M).

Over the twelve months to Sep 30, 2026, operating cash flow was $253M; the largest uses were other investing ($787M), capital spending ($8.3M), taxes on employees’ shares ($2.4M); besides operations, cash came from other financing ($706M), shares issued ($10K); the cash balance rose by $161M.

Operating cash flow was $41.9M against net income of $13.8M — 3.0× profit, cash ran ahead of reported earnings. The largest differences: payables −$14.2M, receivables −$6.3M, other operating capital −$2.7M.

Free cash flow

Coastal Financial: free cash flow by quarterCoastal Financial: free cash flow by quarter$65.3MQ4 2024$68.9MQ1 2025$64.0MQ2 2025$57.4MQ3 2025$55.9MQ4 2025$74.1MQ1 2026$74.6MQ2 2026$39.6MQ3 2026
Operating cash flow less capital spending.
Coastal Financial: operating cash flow against capital spendingCoastal Financial: operating cash flow against capital spendingOperating cash flowCapital spending$68.3M$3.0MQ4 2024$71.7M$2.8MQ1 2025$66.0M$2.1MQ2 2025$59.0M$1.7MQ3 2025$57.8M$1.9MQ4 2025$76.0M$1.8MQ1 2026$76.9M$2.2MQ2 2026$41.9M$2.4MQ3 2026
Latest (Q3 2026): Operating cash flow $41.9M, Capital spending $2.4M.

Capital allocation, year by year

Coastal Financial: where the cash came from (up) and went (down), by fiscal yearCoastal Financial: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingFY2021: Operating cash flow $29.8MFY2021: Net borrowing $24.3MFY2021: Shares issued $32.7MFY2021: Capital spending −$2.6M$86.9MFY2021FY2022: Operating cash flow $67.1MFY2022: Net borrowing $19.6MFY2022: Shares issued $1.5MFY2022: Capital spending −$2.8M$88.2MFY2022FY2023: Operating cash flow $192MFY2023: Shares issued $618KFY2023: Capital spending −$6.2M$192MFY2023FY2024: Operating cash flow $260MFY2024: Net borrowing −$47KFY2024: Shares issued $93.2MFY2024: Capital spending −$9.9M$353MFY2024FY2025: Operating cash flow $255MFY2025: Net borrowing −$36KFY2025: Shares issued $186KFY2025: Capital spending −$8.4M$255MFY2025
Over these 5 years operating cash flow totalled $803M; the largest uses were capital spending ($30.0M) and net borrowing ($83K). Cash-flow statements as filed.

Where the cash came from and went

Coastal Financial: sources (+) and uses (−) of cash, Q3 2026Coastal Financial: sources (+) and uses (−) of cash, Q3 2026Cash drawn (+) / kept (−)$205MOther financing−$183MOther investing−$61.4MOperating cash flow$41.9MCapital spending−$2.4MTaxes on employees’ shares−$11KNet borrowing (+) / repaid (−)−$9K
Coastal Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Coastal Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$787MOther financing$706MOperating cash flow$253MCash drawn (+) / kept (−)−$161MCapital spending−$8.3MTaxes on employees’ shares−$2.4MNet borrowing (+) / repaid (−)−$36KShares issued$10K

From profit to cash

Coastal Financial: net income to operating cash flow, Q3 2026Coastal Financial: net income to operating cash flow, Q3 2026Net income$13.8MDepreciation & amortization$1.2MStock-based pay$1.0MDeferred taxes−$968KReceivables−$6.3MPayables−$14.2MOther operating capital−$2.7MOperating cash flow$41.9M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$41.9M−$2.4M−$9K—$205M$39.6M
Q2 2026$76.9M−$2.2M−$9K—$487M$74.6M
Q1 2026$76.0M−$1.8M−$9K—−$758M$74.1M
Q4 2025$57.8M−$1.9M−$9K$10K−$94.7M$55.9M
Q3 2025$59.0M−$1.7M−$9K—$77.5M$57.4M
Q2 2025$66.0M−$2.1M−$9K—−$95.5M$64.0M
Q1 2025$71.7M−$2.8M−$9K$72K−$172M$68.9M
Q4 2024$68.3M−$3.0M−$8K$91.9M$31.5M$65.3M

Coastal Financial: income statement and cash flow

Coastal Financial, Q3 2026: revenue $149M (+3% year over year), operating margin 12.4%. The chart follows the revenue to costs, profit and cash.

Coastal Financial: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.