Coastal Financial Corporation (CCB) Q4 Earnings and Revenues Lag Estimates

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].