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Cash Flow Overview

Free Cash flow
$74,647K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Proceeds from sales of loans hel...
    • Credit enhancement valuation adj...
    • Net change in other assets and l...
    • Others
Negative Cash Flow Breakdown
    • Increase in loans receivable, ne...
    • Net increase in demand deposits,...
    • Purchase of loans and loan parti...
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net interest income/(expense) after provision for credit losses
-
-
-1,446
-
Total noninterest income
-
-
-379
-
Total noninterest expense
-
-
1,409
-
Loss before income taxes and undistributed net income of subsidiary
-
-
-3,234
-
Net (loss) income
-42,105
-22,331
-
13,592
Equity in undistributed income of consolidated subsidiaries
-
-
49,262
-
Income tax (benefit) expense
-
-
-965
-
Net income
-
-
46,993
-
Provision for credit losses
92,157
51,398
48,041
56,598
Depreciation and amortization
6,407
1,673
1,694
1,600
Origination of loans held for sale
437
-
-
-
Proceeds from sales of loans held for sale
118
-
-
-
Loss on disposition of fixed assets
0
-11
-26
-
Decrease in operating lease right-of-use assets
273
269
252
217
Decrease in operating lease liabilities
278
274
257
221
Gain on sales of loans
-
-
0
-
Net amortization on investment securities
-9
-18
1
-1
Unrealized holding (gain) loss on equity investment, net
-25
126
0
9
Stock-based compensation
1,903
2,000
4,019
50
Increase in bank-owned life insurance value
137
134
132
129
Deferred tax expense
-17,852
803
54
4,627
Net change in ccbx receivable
3,208
1,879
7,930
3,251
Net change in ccbx credit enhancement asset
19,768
2,930
-84
9,962
Credit enhancement valuation adjustment
-46,009
-
-
-
Net change in ccbx payable
4,569
918
-3,729
-1,718
Net change in other assets and liabilities
-9,169
-12,208
-3,057
2,352
Total adjustments
118,959
63,955
45,178
45,451
Net cash provided by operating activities
76,854
75,974
57,821
59,043
Purchase of investment securities held-to-maturity
-
-
5,145
-
Net increase in frb and fhlb securities
72
470
-497
248
Change in equity investments, net
107
590
556
-
Principal paydowns of investment securities available-for-sale
1
1
2
2
Principal paydowns of investment securities held-to-maturity
913
2,059
839
1,632
Maturities and calls of investment securities available-for-sale
-
-
0
0
Purchase of intangible assets
0
125
-
-
Purchase of bank owned life insurance
18
-
1
0
Payments to acquire assets, net of cash acquired
-
-
2,370
-
Proceeds from sales of loans held for sale
4,561,438
3,278,965
2,976,103
3,661,886
Purchase of loans and loan participations
56,358
-16,080
-15,131
-11,199
Purchase of loan participations
-
-9
-
-
Increase in loans receivable, net
4,888,076
3,507,313
3,116,335
1,823,970
Purchases of premises and equipment, net
2,207
1,841
1,929
1,665
Net cash used by investing activities
-384,495
-213,225
-133,764
-195,462
Net increase in demand deposits, money market, and savings
-178,184
897,056
172,551
59,748
Net decrease in time deposits
-1,082
-91
-915
-756
Proceeds from exercise of stock options, net of shares withheld to cover
31
-61
56
27
Net cash for shares held to cover on restricted stock vesting
143
1,156
1,047
101
Proceeds from public offering, expense true-up
0
0
10
0
Net cash provided by financing activities
-179,378
895,748
170,655
58,918
Net change in cash, due from banks and restricted cash
-487,019
758,497
94,712
-77,501
Cash, due from banks and restricted cash, beginning of year
1,495,467
736,970
642,258
452,513
Cash, due from banks and restricted cash, end of quarter
1,008,448
1,495,467
736,970
642,258
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Provision for creditlosses$92,157K (4.73%↑ Y/Y)Credit enhancementvaluation adjustment-$46,009K Net change in otherassets and liabilities-$9,169K (-305.53%↓ Y/Y)Depreciation andamortization$6,407K (98.91%↑ Y/Y)Net change in ccbxpayable$4,569K (21.26%↑ Y/Y)Stock-based compensation$1,903K (-58.03%↓ Y/Y)Decrease in operatinglease right-of-use...$273K (-36.51%↓ Y/Y)Proceeds from sales ofloans held for sale$118K (-99.99%↓ Y/Y)Unrealized holding (gain)loss on equity...-$25K (94.09%↑ Y/Y)Net amortization oninvestment securities-$9K (30.77%↑ Y/Y)Total adjustments$118,959K (1.71%↑ Y/Y)Canceled cashflow$41,680K Net cash provided byoperating activities$76,854K (-44.20%↓ Y/Y)Canceled cashflow$42,105K Net change in ccbxcredit enhancement...$19,768K (240.09%↑ Y/Y)Deferred tax expense-$17,852K (-7729.82%↓ Y/Y)Net change in ccbxreceivable$3,208K (384.15%↑ Y/Y)Origination of loans held forsale$437K Decrease in operatinglease liabilities$278K (-36.38%↓ Y/Y)Increase in bank-ownedlife insurance value$137K (-46.27%↓ Y/Y)Net change in cash,due from banks and...-$487,019K (-282.24%↓ Y/Y)Canceled cashflow$76,854K Proceeds from sales ofloans held for sale$4,561,438K (123.13%↑ Y/Y)Principal paydowns ofinvestment securities...$913K (-47.19%↓ Y/Y)Principal paydowns ofinvestment securities...$1K (-66.67%↓ Y/Y)Proceeds from exercise ofstock options, net of...$31K (47.62%↑ Y/Y)Net (loss) income-$42,105K (-302.84%↓ Y/Y)Net cash used byinvesting activities-$384,495K (-95.75%↓ Y/Y)Net cash provided byfinancing activities-$179,378K (-155.03%↓ Y/Y)Canceled cashflow$4,562,352K Canceled cashflow$31K Increase in loansreceivable, net$4,888,076K (118.66%↑ Y/Y)Net increase indemand deposits, money...-$178,184K (-153.70%↓ Y/Y)Net decrease in timedeposits-$1,082K (69.85%↑ Y/Y)Net cash for sharesheld to cover on...$143K (-93.99%↓ Y/Y)Purchase of loans and loanparticipations$56,358K Purchases of premises andequipment, net$2,207K (-54.42%↓ Y/Y)Change in equityinvestments, net$107K Net increase in frband fhlb securities$72K (-96.64%↓ Y/Y)Purchase of bank ownedlife insurance$18K (0.00%↑ Y/Y)

COASTAL FINANCIAL CORP (CCB)

COASTAL FINANCIAL CORP (CCB)