Filing Flows › Coastal Financial (CCB) › Q3 2026 › vs Q3 2025
Coastal Financial (CCB) Q3 2026 vs Q3 2025 (year over year)
Coastal Financial's revenue rose $4.6M (+3%) from $145M in Q3 2025 to $149M in Q3 2026. The biggest changes: Net interest income +$10.4M (+13%); Noninterest income −$5.7M (-9%). Operating margin 12.4% against 12.4% (-0.0 pts).
Coastal Financial, Q3 2026: revenue $149M (+3% year over year), operating margin 12.4%, net earnings $13.8M, operating cash flow $41.9M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 12.4% | 12.4% | -0.0 pts |
| Net margin | 9.2% | 9.4% | -0.2 pts |
| Free cash flow margin | 26.5% | 39.7% | -13.2 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $88.3M | $77.9M | $10.4M | +13% |
| Noninterest income | $61.0M | $66.8M | −$5.7M | -9% |
| Revenue | $149M | $145M | $4.6M | +3% |
| Operating profit | $18.5M | $17.9M | $556K | +3% |
| Costs & expenses | $131M | $127M | $4.1M | +3% |
| Pre-tax earnings | $18.5M | $17.9M | $556K | +3% |
| Credit loss provision | $46.0M | $56.6M | −$10.6M | -19% |
| Noninterest expense | $84.8M | $70.2M | $14.7M | +21% |
| Net earnings | $13.8M | $13.6M | $196K | +1% |
| Income tax | $4.7M | $4.3M | $360K | +8% |
| Depreciation & amortization | $1.2M | $1.6M | −$376K | -24% |
| Share-based compensation | $1.0M | $50K | $975K | 20× |
| Working capital & other | $25.9M | $43.8M | −$17.9M | -41% |
| Operating cash flow | $41.9M | $59.0M | −$17.1M | -29% |
| Free cash flow (OCF − capex) | $39.6M | $57.4M | −$17.8M | -31% |
| Capital expenditures | $2.4M | $1.7M | $685K | +41% |
Questions
How much did Coastal Financial's revenue grow year over year in Q3 2026?
Coastal Financial's revenue rose $4.6M (+3%) from $145M in Q3 2025 to $149M in Q3 2026.
What drove Coastal Financial's revenue change in Q3 2026?
Net interest income +$10.4M (+13%); Noninterest income −$5.7M (-9%).