COASTAL FINANCIAL CORP
For the period ended Sep 30, 2026. Filed Nov 5, 2026.
View on SEC.govAbout this filing
A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2026 · Filed Nov 5, 2026
What changed in Risk Factors?
Read the current filingPrevious report: 10-Q
Period ended 2026-06-30; filed 2026-08-07.
0001437958-26-000061
Item 1A. Risk FactorsCurrent report: 10-Q
Period ended 2026-09-30; filed 2026-11-05.
0001437958-26-000082
Item 1A. Risk FactorsThe baseline is this issuer’s latest earlier reporting period of the same form that was filed before the current report. A previous 10-Q is a different quarter, not a year-over-year comparison. Amendments are excluded.
Compared 5 previous paragraphs and 2 current paragraphs.
1 unchanged; 1 reworded; 0 added; 3 removed; 0 previous and 0 current paragraphs rearranged.
Tables are not compared: 0 previous and 0 current tables excluded. Dates, whitespace, punctuation and numbering changes are ignored; changes to financial figures remain significant.
A changed paragraph is not evidence that risk increased or decreased. An unchanged paragraph does not establish that risk stayed the same.
Removed paragraphs (3)
Previous report
As a result of recent events, our stock price has declined significantly since reporting our financial results for the period ended June 30, 2026, and has exhibited substantial volatility. Recent developments notwithstanding, our stock price may fluctuate in response to a number of events and factors, such as quarterly operating results; the public's reaction to our press releases, other public announcements and filings with the SEC; significant transactions, or new features, products or services provided by us or our competitors; changes in financial estimates and recommendations by securities analysts; media coverage of our business and financial performance; the operating and stock price performance of, or other developments involving, other companies that investors may deem comparable to us; trends in our industry; any significant change in our management; and general economic conditions.
Previous report
In addition, the stock market in general, and the market prices for companies in our industry, has experienced volatility that often has been unrelated to operating performance. These broad market and industry fluctuations may adversely affect the price of our stock, regardless of our operating performance. Price volatility in our stock price impacts the value of our equity compensation, which affects our ability to recruit and retain employees. In addition, some companies that have experienced volatility in the market price of their stock have been subject to securities class action litigation and/or regulatory investigations. Securities litigation and regulatory investigations against us could result in substantial costs and divert our management’s attention from other business concerns, which could harm our business.
Previous report
If we fail to meet expectations related to future growth, profitability or other market expectations, our stock price may decline significantly, which could have a material adverse impact on investor confidence and employee retention. A sustained decline in our stock price and market capitalization could lead to impairment charges.
Reworded paragraphs (1)
Previous wording
For information regarding the Company’s risk factors, see “Risk Factors” in the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2025, which are incorporated by reference herein. Except as set forth below, as of June 30, 2026, the risk factors of the Company have not changed materially from those disclosed in the Form 10-K.
Current wording
For information regarding the Company’s risk factors, see “Risk Factors” in the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2025, and in the Company's Quarterly Report on Form 10-Q for the quarter ended June 30, 2026, which are incorporated by reference herein. As of September 30, 2026, the risk factors of the Company have not changed materially from those disclosed in the Company's Annual Report on Form 10-K for the fiscal year ended December 31, 2025, or the Company's Quarterly Report on Form 10-Q for the quarter ended June 30, 2026.