<?xml version="1.0" encoding="UTF-8"?>
<edgarSubmission xmlns="http://www.sec.gov/edgar/seventeenafiler" xmlns:com="http://www.sec.gov/edgar/common">
  <headerData>
    <submissionType>X-17A-5</submissionType>
    <filerInfo>
      <filer>
        <filerCredentials>
          <filerCik>0001756190</filerCik>
          <filerCcc>XXXXXXXX</filerCcc>
        </filerCredentials>
      </filer>
      <liveTestFlag>LIVE</liveTestFlag>
      <flags>
        <returnCopyFlag>false</returnCopyFlag>
        <confirmingCopyFlag>false</confirmingCopyFlag>
        <overrideInternetFlag>false</overrideInternetFlag>
      </flags>
    </filerInfo>
  </headerData>
  <formData>
    <submissionInformation>
      <periodBegin>07-01-2025</periodBegin>
      <periodEnd>06-30-2026</periodEnd>
      <typeOfRegistrant>
        <typeOfBDRegistrant>Broker-dealer</typeOfBDRegistrant>
      </typeOfRegistrant>
      <materialWeakness>N</materialWeakness>
    </submissionInformation>
    <registrantIdentification>
      <brokerDealerName>CEIBA FINANCIAL, LLC</brokerDealerName>
      <businessAddress>
        <com:street1>1831 LEXINGTON DR.</com:street1>
        <com:city>FULLERTON</com:city>
        <com:stateOrCountry>CA</com:stateOrCountry>
        <com:zipCode>92835</com:zipCode>
      </businessAddress>
      <contactPersonName>Carlos Lane</contactPersonName>
      <contactPersonPhoneNumber>202-297-3737</contactPersonPhoneNumber>
    </registrantIdentification>
    <accountantIdentification>
      <accountantName>NTT &amp; Company, PLLC</accountantName>
      <accountantAddress>
        <com:street1>5865 Mistletoe Avenue</com:street1>
        <com:city>Beaumont</com:city>
        <com:stateOrCountry>TX</com:stateOrCountry>
        <com:zipCode>77707</com:zipCode>
      </accountantAddress>
      <accountantType>Certified Public Accountant</accountantType>
    </accountantIdentification>
    <oathSignature>
      <signPersonName>Carlos Lane</signPersonName>
      <entityName>CEIBA FINANCIAL, LLC</entityName>
      <signDate>06-30-2026</signDate>
      <signature>Carlos Lane</signature>
      <oathTitle>CEO</oathTitle>
    </oathSignature>
  </formData>
</edgarSubmission>
