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Graham Number is a figure that measures a stock's fundamental value by taking into account the company's earnings per share and book value per share. The Graham number is the upper bound of the price range that a defensive investor should pay for the stock. According to the theory, any stock price below the Graham number is considered undervalued, and thus worth investing in.
As of today (2026-08-24), the stock price of Coastal Financial is $46.37. Coastal Financial's graham number for the quarter that ended in Jun. 2026 was $N/A. Therefore, Coastal Financial's Price to Graham Number ratio for today is N/A.
The historical rank and industry rank for Coastal Financial's Graham Number or its related term are showing as below:
During the past 10 years, the highest Price to Graham Number ratio of Coastal Financial was 2.44. The lowest was 0.65. And the median was 1.23.
CCB's Price-to-Graham-Number is not ranked *
in the Banks industry.
Industry Median: 0.8 * Ranked among companies with meaningful Price-to-Graham-Number only.
Graham Number is a combination of asset valuation and earnings power valuation. It is a very conservative way of valuing a stock.
Coastal Financial (NAS:CCB) Graham Number Explanation
Ben Graham actually did not publish a formula like this. But he wrote in The Intelligent Investor (1948 version) regarding to the criteria for purchases:
Current price should not be more than 15 times average earnings of the past three years.
Current price should not be more than 1.5 times the book value last reported. However, a multiplier of earnings below 15 could justify a correspondingly higher multiplier of assets. As a rule of thumb we suggest that the product of the multiplier times the ratio of price to book value should not exceed 22.5. (This figure corresponds to 15 times earnings and 1.5 times book value. It would admit an issue selling at only 9 times earnings and 2.5 times asset value, etc.)
Unlike valuation methods such as DCF or Discounted Earnings, the Graham number does not take growth into the valuation. Unlike the valuation methods based on book value alone, it takes into account the earnings power. Therefore, the Graham Number is a combination of asset valuation and earnings power valuation.
In general, the Graham number is a very conservative way of valuing a stock. It cannot be applied to companies with negative book values.
Coastal Financial's Price to Graham number Ratio for today is calculated as
Price to Graham number
=
Share Price (Today)
/
Graham number (Q: Jun. 2026 )
=
46.37
/
N/A
=
N/A
* 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.
Be Aware
Please keep these in mind:
1. Graham Number does not take growth into account. Therefore it underestimates the values of the companies that have good earnings growth. We feel that if the earnings per share grows more than 10% a year, Graham Number underestimates the value.
2. Graham Number punishes the companies that have temporarily low earnings. Therefore, an average of earnings makes more sense in the calculation of Graham Number.
3. Graham Numbers underestimates companies that are light with book.
Coastal Financial Graham Number Related Terms
Coastal Financial Graham Number Historical Data
* Premium members only.
The historical data trend for Coastal Financial's Graham Number 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.
For the Banks - Regional subindustry, Coastal Financial's Price-to-Graham-Number, along with its competitors' market caps and Price-to-Graham-Number data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Coastal Financial Price-to-Graham-Number vs Banks Industry
For the Banks industry and Financial Services sector, Coastal Financial's Price-to-Graham-Number distribution charts can be found below:
* The bar in red indicates where Coastal Financial's Price-to-Graham-Number falls into.
* 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.
Coastal Financial (CCB) has a Graham Number of $N/A as of Jun. 2026. The Graham Number values a company based on its per-share earnings and book value. View historical data on Coastal Financial and its competitors. Over the past decade, Coastal Financial's Graham Number has ranged from 0.65 to 2.44. According to the industry distribution chart, Coastal Financial ranks #999999 out of 1428 companies in the Banks industry.
Is Coastal Financial's Graham Number too high?
Coastal Financial's current Graham Number is $N/A. Over the past 10 years, this metric has ranged from a low of 0.65 to a high of 2.44. Based on the distribution chart, Coastal Financial ranks #999999 out of 1428 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Graham Number compare to NBN and AMTB?
According to the Banks industry distribution chart, Coastal Financial ranks #999999 out of 1428 companies for Graham Number. This places Coastal Financial in the lower half of its industry. The industry median Graham Number is 0.80. Historically, Coastal Financial's own Graham Number has ranged from 0.65 to 2.44 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Graham Number for a Banks company?
The median Graham Number among Banks companies is 0.80, based on 1,428 companies in the industry. Companies in the top quartile (top 25%) have a Graham Number significantly above this median, while those in the bottom quartile fall well below. However, Graham Number 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 Graham Number mean?
A high Graham Number can signal that a stock is expensive relative to its fundamentals. The Graham Number values a company based on its per-share earnings and book value. View historical data on Coastal Financial and its competitors. For the Banks industry, the median Graham Number is 0.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Coastal Financial's current Graham Number is $N/A. 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 $87.46, compared to a current price of $46.37 — trading 47% below its estimated fair value. The current Graham Number is $N/A. 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 Graham Number calculated?
Graham Number is calculated from a company's financial statements. For Coastal Financial (CCB), the current Graham Number is $N/A 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% below its estimated GF Value™ of $87.46.
GuruFocus considers Coastal Financial to be Significantly Undervalued.
Key valuation signals for CCB:
Graham Number: $N/A
GF Value™: $87.46 vs. price of $46.37 (47% 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
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