Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Coastal Financial's retained earnings for the quarter that ended in Jun. 2026 was $227.4 Mil.
Coastal Financial's quarterly retained earnings
increased
from Dec. 2025 ($257.5 Mil) to Mar. 2026 ($269.5 Mil) but then
declined
from Mar. 2026 ($269.5 Mil) to Jun. 2026 ($227.4 Mil).
Coastal Financial's annual retained earnings
increased
from Dec. 2023 ($165.3 Mil) to Dec. 2024 ($210.5 Mil) and
increased
from Dec. 2024 ($210.5 Mil) to Dec. 2025 ($257.5 Mil).
Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.
For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.
If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.
Of course, many companies with negative retained earnings have indeed lost money in the past.
Retained Earnings: Warren Buffett's Secret.
One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.
If the company loses more than it has accumulated, retained earnings is negative.
If a company isn't adding to its retained earnings, it isn't growing its net worth.
Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.
Microsoft is negative because it chose to buyback stock and pay dividends.
The more earnings retained, the faster it grows and increases growth rate for future earnings.
Coastal Financial Retained Earnings Historical Data
* Premium members only.
The historical data trend for Coastal Financial's Retained Earnings can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.
Of course, if a company loses, it is called retained losses, or accumulated losses.
Coastal Financial (CCB) has a Retained Earnings of $227.4 Mil as of Jun. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Coastal Financial and its competitors.
Is Coastal Financial's Retained Earnings too high?
Coastal Financial's current Retained Earnings is $227.4 Mil. Overall, Coastal Financial has a GF Score™ of 61/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Coastal Financial's Retained Earnings compare to NBN and AMTB?
Coastal Financial's Retained Earnings of $227.4 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for a Banks company?
A good Retained Earnings depends on the Banks industry context. However, Retained Earnings should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Coastal Financial and its competitors. Coastal Financial's current Retained Earnings is $227.4 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Coastal Financial stock overvalued right now?
Based on GuruFocus' analysis, Coastal Financial (CCB) is currently considered Significantly Undervalued. The stock's GF Value™ is $87.67, compared to a current price of $46.37 — trading 47.1% below its estimated fair value. The current Retained Earnings is $227.4 Mil. Coastal Financial's overall GF Score™ is 61/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Coastal Financial (CCB), the current Retained Earnings is $227.4 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Coastal Financial (CCB) Overvalued in 2026?
Based on GuruFocus' analysis, Coastal Financial stock appears to be undervalued.
The current stock price of $46.37 is trading 47.1% below its estimated GF Value™ of $87.67.
GuruFocus considers Coastal Financial to be Significantly Undervalued.
Key valuation signals for CCB:
Retained Earnings: $227.4 Mil
GF Value™: $87.67 vs. price of $46.37 (47.1% below fair value)
No single metric tells the full story. See the CCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Coastal Financial Corp is a bank holding company. Through its subsidiaries, the company conducts its business in three reportable segments which include, Community Bank, CCBX, and Treasury and Administration. The Community Bank segment includes all community banking activities, with a primary focus on providing various banking products and services to consumers and small to medium-sized businesses. The CCBX segment provides Banking as a Service (BaaS) that allows its broker dealers and digital financial service partners to offer their customers banking services, and the Treasury and administration segment includes treasury management, overall administration, and all other aspects of the company.
61GF Score
Get the complete analysis for CCB
Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CCB has been successfully added to your 
