Core Viewpoint - Coastal Financial Corporation (CCB) reported quarterly earnings of $0.82 per share, missing the Zacks Consensus Estimate of $1.16 per share, representing a -29.00% earnings surprise [1]. Financial Performance - The company posted revenues of $138.03 million for the quarter ended December 2025, missing the Zacks Consensus Estimate by 14.06%, compared to year-ago revenues of $143.27 million [2]. - Over the last four quarters, Coastal Financial has not surpassed consensus EPS estimates and has topped consensus revenue estimates only once [2]. Stock Performance - Coastal Financial shares have declined approximately 11.9% since the beginning of the year, while the S&P 500 has gained 1.9% [3]. - The current Zacks Rank for Coastal Financial is 4 (Sell), indicating expected underperformance in the near future [6]. Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $1.27 on revenues of $164.4 million, and for the current fiscal year, it is $6.06 on revenues of $716.2 million [7]. - The trend of estimate revisions for Coastal Financial was unfavorable prior to the earnings release, which may impact future stock movements [5][6]. Industry Context - The Zacks Industry Rank for Banks - West is in the top 21% of over 250 Zacks industries, suggesting a favorable outlook compared to the bottom 50% [8]. - Sierra Bancorp, another company in the same industry, is expected to report quarterly earnings of $0.85 per share, reflecting a year-over-year change of +18.1% [9].

Exhibit 99.1 COASTAL FINANCIAL CORPORATION ANNOUNCES FOURTH QUARTER 2025 RESULTS Company Release: January 29, 2026 Everett, WA – 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, ...

Core Insights - Coastal Financial Corporation reported a net income of $12.6 million for Q4 2025, a decrease from $13.6 million in Q3 2025 and $13.4 million in Q4 2024, with a full-year net income of $47.0 million compared to $45.2 million in 2024 [1][2]. Financial Performance - Loans receivable increased by $45.7 million, or 1.2%, and deposits grew by $171.6 million, or 4.3% in Q4 2025 [2]. - Net interest income for Q4 2025 was $79.4 million, up 1.9% from Q3 2025 and 9.5% from Q4 2024 [40]. - The net interest margin was 7.03% for Q4 2025, slightly up from 7.00% in Q3 2025 but down from 7.23% in Q4 2024 [41]. CCBX Segment Performance - The CCBX segment generated $8.4 million in program fee income for Q4 2025, a 10.7% increase from Q3 2025 [7]. - CCBX loans increased by $3.4 million to $1.81 billion despite selling $2.98 billion in loans during the quarter [25]. - The CCBX segment has 28 relationships at various stages, with two partners in testing and five in implementation/onboarding as of December 31, 2025 [19]. Community Bank Performance - The community bank saw net loans increase by $42.3 million, or 2.2%, to $1.94 billion in Q4 2025 [36]. - Community bank deposits decreased by $11.2 million, or 0.7%, to $1.59 billion during the same period [39]. Strategic Initiatives - The company is deploying artificial intelligence to enhance efficiency and customer experience, while also exploring opportunities in digital assets [3]. - The acquisition of the GreenFi brand reflects the company's strategy to optimize its portfolio and align resources with long-term priorities [7]. - The company plans to continue expanding its product offerings with existing partners while onboarding new relationships aligned with long-term objectives [2][20].

COASTAL FINANCIAL CORPORATION INVESTOR PRESENTATION Fourth Quarter 2025 LEGAL INFORMATION AND DISCLAIMER Important note regarding forward-looking statements: Statements made in this presentation (or conveyed orally) which are not purely historical are forward-looking statements, as defined in the Private Securities Litigation Reform Act of 1995. This includes any statements regarding Coastal Financial Corporation's ("Coastal") plans, objectives, or goals for future operations, products or services, and fore ...

Company Overview - Coastal Financial Corporation is a regional bank holding company focused on providing tailored financial solutions to businesses and individuals in Washington state, leveraging a diversified product portfolio and an innovative banking-as-a-service platform to drive growth [1] - The company serves small to medium-sized businesses, professionals, and individual customers in the Puget Sound region, offering a comprehensive suite of banking products including commercial and industrial loans, real estate financing, consumer lending, deposit accounts, cash management, and banking-as-a-service [2] Recent Transactions - Eric M Sprink, CEO of Coastal Financial Corporation, sold 12,402 shares in multiple open-market transactions on January 21 and 22, 2026, representing approximately $1.4 million in value [7] - The sale reduced Sprink's direct holdings by 7.23%, leaving him with 159,126 directly held shares, a significant decline from over 430,000 shares in early 2023 [5] - The scale of the sale is larger than Sprink's historical median sale size of 8,518 shares for direct sales, indicating a higher-than-typical volume but still within the observed range of past transactions [6] Stock Performance - Coastal Financial stock has been a strong performer, returning 24% over the past 12 months, with average annualized returns of 38.7% and 27.8% over the past five and ten years, respectively [8] - The stock is currently down about 8% year-to-date and is trading at 33 times earnings, which some analysts consider a bit expensive [11] Strategic Developments - On January 9, 2026, Coastal Financial acquired the GreenFi brand from Mission Financial Partners, which includes a platform for sustainable investing and ESG compliance, indicating a strategic move towards climate-friendly financial services [9]

Core Insights - Canada Carbon Inc. has completed a third drilling campaign at its Asbury Graphite Property, enhancing its resource evaluation and de-risking efforts [1][4] - The drilling program, which took place from November 4 to December 10, 2025, achieved 2,517 meters of drilling out of a planned 5,200 meters, contributing to a total of over 7,500 meters of core samples from previous campaigns [2][4] - The company aims to update its NI 43-101 resource report and complete a pre-feasibility study by June 30, 2026, following its maiden resource estimate of 4.14 million tons with an average grade of 3.05% Cg [4] Drilling Campaign Details - The recent drilling campaign focused on the Northeast and Southwest portions of the Asbury property, which is located near Notre-Dame-du-Laus, Quebec [1] - Historical data indicates that Asbury was an operational graphite mine from 1974 to 1988, producing high-quality concentrate [4] - The results from the Fall 2023 drilling campaign included significant graphite grades, such as 12.25% Cg over 22.50 meters [8] Future Plans and Expectations - The company is optimistic about the commercial potential of the Asbury project and its contribution to the local economy and Quebec's strategic mineral development efforts [4] - Canada Carbon is committed to maintaining high standards of social and environmental responsibility while developing its graphite deposits [13]

Toronto, Ontario, Canada, Jan. 20, 2026 (GLOBE NEWSWIRE) -- Canada Carbon Inc. (the "Company" or "Canada Carbon") (TSX-V:CCB) (FF:U7N1) announces that it intends to convene an annual and special meeting of shareholders on Wednesday, January 21, 2026 after failing to hold an annual meeting since January 31, 2024, pursuant to Section 4.1 of Policy 3.2 of the TSX Venture Exchange. CANADA CARBON INC. “Ellerton Castor”Chief Executive Officer and DirectorContact InformationE-mail inquiries: info@canadacarbon.com ...

Core Insights - Coastal Financial Corporation (CCB) is a financial institution operating in a competitive market, recently highlighted by a significant stock transaction involving CEO Eric M. Sprink [1] Transaction Details - On January 16, 2026, Eric M. Sprink sold 3,000 shares of CCB at an average price of $117.60, totaling $352,800 [2] - Following the sale, Sprink retains 182,884 shares valued at approximately $21.5 million, representing a 1.61% decrease in his holdings [3] Stock Performance - The insider selling coincided with a 1.7% decrease in Coastal Financial's stock price, which opened at $116.94 and is currently at $113.04, reflecting a decrease of 0.57% or $0.65 [4] - The stock has traded between $112.13 and $114.86 today, with a market capitalization of approximately $1.71 billion [4] Historical Stock Data - Over the past year, Coastal Financial's stock has fluctuated with a high of $120.05 and a low of $76.11 [5] - The company has a price-to-earnings ratio of 37.01 and a beta of 0.89, indicating moderate volatility compared to the market [5]

Core Viewpoint - Coastal Financial Corporation has acquired the GreenFi brand from Mission Financial Partners, enhancing its portfolio of climate-friendly consumer financial services products [1][4]. Group 1: Acquisition Details - The acquisition allows Coastal to have full control over the GreenFi brand, which is aligned with increasing consumer demand for sustainable financial products [5]. - Mission Financial Partners will continue to operate and market the GreenFi program, ensuring operational continuity while Coastal takes on governance and long-term brand stewardship [2][3]. - The terms of the transaction were not disclosed, but it is designed to maintain customer experience and service continuity [7]. Group 2: Strategic Implications - This acquisition reflects Coastal's strategy to support innovative digital banking products through a regulated banking platform, allowing for future growth and integration of the GreenFi brand [4]. - Coastal aims to reinforce its position as a trusted banking partner for fintech companies, focusing on responsible growth and long-term customer relationships [5]. - The partnership with Mission Financial Partners will continue to provide customers access to sustainable investment options through the Redwood Fund family of mutual fund products [2]. Group 3: Customer Impact - Customers will not experience any changes to their accounts, services, or access due to the acquisition, ensuring a seamless transition [6]. - Account terms, digital experiences, and customer support channels will remain unchanged, with no action required from customers at this time [6]. Group 4: Company Background - Coastal Financial Corporation, based in Everett, Washington, operates Coastal Community Bank, which has assets of $4.55 billion and provides services through 14 branches and digital platforms [8]. - GreenFi has been providing climate-aligned consumer banking products for over a decade, focusing on transparency and sustainability in financial decisions [9][10].

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