All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
2 warning events since 2017; the latest 2025-06-04.
From the record
Coastal Financial Corporation's filings since 2017 show 2 warning events of 2 kinds: a warning not to rely on past financial statements (8-K item 4.02, the latest 2025-03-17); an auditor change (8-K item 4.01, the latest 2025-06-04) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+38.3% a year over 9 filed years; profitable in 9 of 9.
From the record
Coastal Financial Corporation's 9 filed years say what it did: revenue went from $32 million in fiscal 2017 to $430 million in fiscal 2025, up 38.3% a year; it rose in 8 of 8 years; it never fell from a peak; net income was positive in 9 of 9 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count grew 4.3% a year. 0% of cash flow returned. Insiders: 24 sales, 4 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, Coastal Financial Corporation's diluted share count grew about 4.3% a year, and dividends and buybacks returned about 0% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 24 sales (15 under scheduled 10b5-1 plans) and 4 purchases of their own stock on the open market in the year to 2026-11-03, buying about $1 million (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 10%: 10¢ of profit per shareholder dollar. Leverage 90%: owes 90¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Coastal Financial Corporation earned about 10 cents of profit for every dollar of shareholders' money. Leverage: it owed about 90 cents per dollar of assets, and net share issuance: its share count grew 10.6% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
top 47% of 155 in its family; net margin 10.9%.
From the record
Coastal Financial Corporation's standing among 155 graded names in its industry family: revenue of $430 million in fiscal 2025 ranks in the top 42% by size; a net margin of 10.9% ranks in the bottom 9%; revenue growth of 30.7% a year over the last 3 filed years ranks in the top 9% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
bottom 36% of 150 in its family for leadership; chief executive since 2018.
From the record
Coastal Financial Corporation's leadership, from its insiders' filings and its current reports: the chief executive on the record is Sprink, Eric M (CEO, as filed), filing under that title since 2018-07-17, 8.3 years (top 43% of its family); the 16 officers and directors filing in the last fifteen months have been on the record a median of 6.8 years (bottom 41%); 10 officer or director changes were reported on Form 8-K since 2023-11-13, against the 16 people in charge now (bottom 9%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
top 4% of 142 in its family for room to expand.
From the record
Coastal Financial Corporation's room to grow, from the newest filed statements (fiscal 2025): cash of $737 million against no long-term debt tagged leaves 15.5% of its assets as net cash, top 2% of its family; cash from operations less capital spending is 57.3% of revenue (top 5%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
top 50% of 152 in its family for growth drivers.
From the record
Coastal Financial Corporation's growth drivers, from the filed years to fiscal 2025: revenue grew 30.7% a year over the last three filed years against 38.3% over all 9, slowing (bottom 4% of its family); the newest year grew 8.3% (top 34%); capital spending grew 43.8% a year (top 20%) (its annual reports). Coastal Financial Corporation reported 2 lines of business in fiscal 2025: Indemnifications at $196 million, Baa S Program Fees at $29 million. 1 of 2 grew in the latest filed year, and the largest line is 87% of revenue (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
bottom 31% of 150 in its family for expectations against reality.
From the record
Coastal Financial Corporation's newest year against its own record: revenue of $430 million in fiscal 2025 came in 24.6% below the $570 million its prior three years' pace pointed to (bottom 12% of its family); net income of $47 million against a prior three-year average of $43 million (bottom 40%); a net margin of 10.9% against 15.4% before (bottom 40%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made