Coastal Financial Corporation (CCB Quick QuoteCCB - Free Report) reported $149.33 million in revenue for the quarter ended September 2026, representing a year-over-year increase of 3.2%. EPS of $0.89 for the same period compares to $0.88 a year ago.

The reported revenue represents a surprise of -14.06% over the Zacks Consensus Estimate of $173.77 million. With the consensus EPS estimate being $0.99, the EPS surprise was -10.1%.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Coastal Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Efficiency ratio: 56.8% compared to the 52.4% average estimate based on two analysts.
• Net interest margin: 6.6% versus the two-analyst average estimate of 7.3%.
• Net charge-offs to average loans: 4.4% versus 5.7% estimated by two analysts on average.
• Total Non Interest Income: $61.04 million versus $79.97 million estimated by two analysts on average.
• Net Interest Income: $88.29 million versus $93.79 million estimated by two analysts on average.

View all Key Company Metrics for Coastal Financial here>>>

Shares of Coastal Financial have returned +18% over the past month versus the Zacks S&P 500 composite's +0.9% change. The stock currently has a Zacks Rank #5 (Strong Sell), indicating that it could underperform the broader market in the near term.