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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.
Coastal FinancialCCB +0.38%61 Peter Lynch Fair Value is $69.43 as of Aug. 24, 2026, which is 8367% above its 10-year median of 0.82. GuruFocus rates CCB with a GF Score™ of 61/100 and a GF Value™ of $87.67 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 897 Banks companies, Coastal Financial ranks worse than 111482.61% on this metric.
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year. Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years. If 5-Year Growth Rate is greater than 25% a year, we use 25. If 5-Year Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Here, as of today, Coastal Financial's PEG is 1. Coastal Financial's 5-Year TTM Book Value Growth Rate is 22.69.
Coastal Financial's EPS without NRI for the trailing twelve months (TTM) ended in Jun. 2026 was $3.06. Therefore, the Peter Lynch Fair Value for today is $69.43.
As of today (2026-08-24), Coastal Financial's share price is $46.37. Coastal Financial's Peter Lynch fair value is $69.43. Therefore, Coastal Financial's Price to Peter Lynch Fair Value Ratio for today is 0.67.
The historical rank and industry rank for Coastal Financial's Peter Lynch Fair Value or its related term are showing as below:
During the past 10 years, the highest Price to Peter Lynch Fair Value Ratio of Coastal Financial was 1.65. The lowest was 0.46. And the median was 0.82.
CCB's Price-to-Peter-Lynch-Fair-Value is not ranked *
in the Banks industry.
Industry Median: 1.1 * Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
Note: Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart.
Coastal Financial (NAS:CCB) Peter Lynch Fair Value Explanation
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year.
Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years.
Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart. In Peter Lynch chart, a fixed P/E ratio of 15 is used to draw the Earnings Line. Therefore the value reached has a P/E ratio of 15. But in Peter Lynch Fair Value calculation, P/E equals to the growth rate of Book Value per share over the past 5 years, which is 22.69 instead of 15 in this case.
Coastal Financial's Price to Peter Lynch Fair Value Ratio for today is calculated as
Price to Peter Lynch Fair Value
=
Share Price
/
Peter Lynch Fair Value
=
46.37
/
69.43
=
0.67
* 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 Peter Lynch Fair Value Related Terms
Coastal Financial Peter Lynch Fair Value Historical Data
* Premium members only.
The historical data trend for Coastal Financial's Peter Lynch Fair Value 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.
CCB vs NBN, AMTB, CFFN: Peter Lynch Fair Value Comparison
For the Banks - Regional subindustry, Coastal Financial's Price-to-Peter-Lynch-Fair-Value, along with its competitors' market caps and Price-to-Peter-Lynch-Fair-Value 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-Peter-Lynch-Fair-Value vs Banks Industry
For the Banks industry and Financial Services sector, Coastal Financial's Price-to-Peter-Lynch-Fair-Value distribution charts can be found below:
* The bar in red indicates where Coastal Financial's Price-to-Peter-Lynch-Fair-Value falls into.
Coastal Financial's EPS without NRI for the trailing twelve months (TTM) uses the latest annual data, which was $3.06.
* Note that for companies that do not have enough quarterly data to calculate the 5-Year TTM EBITDA Growth Rate, we use the annual data for the calculation.
* 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.
** Please be aware that the 5-Year TTM Book Value Growth Rate is calculated based on TTM data over the last 5 years. For quarterly reported companies, the TTM data is the latest quarter data. For companies that report semi-annually, annually, or do not have enough quarterly data, GuruFocus uses the annual data as the TTM data.
If 5-Year Earnings Growth Rate is greater than 25% a year, we use 25.
If 5-Year Earnings Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Please note that we use the 5-year average growth rate of EBITDA per share as the growth rate for non-bank companies, as EBITDA growth is subject to less manipulations than net earnings per share. For banks, we use the 5-year average growth rate of Book Value per share as the growth rate. The reason is that EBITDA is not applicable to Banks and Book value is a relative important measurement for Banks. In the calculation, PEG=1 because Peter Lynch thinks that the fair P/E ratio of the growth stock is equal to its earnings growth rate.
What does a Peter Lynch Fair Value of $69.43 mean?
Coastal Financial (CCB) has a Peter Lynch Fair Value of $69.43 as of Aug. 24, 2026. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on Coastal Financial and its competitors. This is 8367% above median its historical median of 0.82. Over the past decade, Coastal Financial's Peter Lynch Fair Value has ranged from 0.46 to 1.65. According to the industry distribution chart, Coastal Financial ranks #999999 out of 897 companies in the Banks industry.
Is Coastal Financial's Peter Lynch Fair Value too high?
Coastal Financial's current Peter Lynch Fair Value of $69.43 is 8367% above median its 10-year median of 0.82. Over the past 10 years, this metric has ranged from a low of 0.46 to a high of 1.65. The Banks industry median Peter Lynch Fair Value is 1.10. Coastal Financial's value of $69.43 is 6211.8% above this industry median. Based on the distribution chart, Coastal Financial ranks #999999 out of 897 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 Peter Lynch Fair Value compare to NBN and AMTB?
According to the Banks industry distribution chart, Coastal Financial ranks #999999 out of 897 companies for Peter Lynch Fair Value. This places Coastal Financial in the lower half of its industry. The industry median Peter Lynch Fair Value is 1.10. Coastal Financial's value of $69.43 is 6211.8% above this benchmark. Historically, Coastal Financial's own Peter Lynch Fair Value has ranged from 0.46 to 1.65 over the past decade. While the company's 10-year median is 0.82 vs. the industry median of 1.10, Coastal Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Peter Lynch Fair Value for a Banks company?
The median Peter Lynch Fair Value among Banks companies is 1.10, based on 897 companies in the industry. Companies in the top quartile (top 25%) have a Peter Lynch Fair Value significantly above this median, while those in the bottom quartile fall well below. However, Peter Lynch Fair Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Coastal Financial's current Peter Lynch Fair Value of $69.43 is 6211.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Peter Lynch Fair Value mean?
A high Peter Lynch Fair Value can signal that a stock is expensive relative to its fundamentals. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on Coastal Financial and its competitors. For the Banks industry, the median Peter Lynch Fair Value is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Coastal Financial's current Peter Lynch Fair Value is $69.43, which is 8367% above median its own 10-year median of 0.82. 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 Peter Lynch Fair Value is $69.43, which is 8367% above median its 10-year median of 0.82 and 6211.8% above the Banks industry median of 1.10. 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 Peter Lynch Fair Value calculated?
Peter Lynch Fair Value is calculated from a company's financial statements. For Coastal Financial (CCB), the current Peter Lynch Fair Value is $69.43 as of Aug. 24, 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:
Peter Lynch Fair Value: $69.43 (8367% above median its 10-year median of 0.82)
GF Value™: $87.67 vs. price of $46.37 (47.1% below fair value)
Industry Position: 6211.8% above the Banks median (#999999 of 897)
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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