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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, CoastalSouth Bancshares's PEG is 1. CoastalSouth Bancshares's 5-Year TTM Book Value Growth Rate is 11.04.
CoastalSouth Bancshares's EPS without NRI for the trailing twelve months (TTM) ended in Jun. 2026 was $2.16. Therefore, the Peter Lynch Fair Value for today is $23.85.
The historical rank and industry rank for CoastalSouth Bancshares's Peter Lynch Fair Value or its related term are showing as below:
COSO'
s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.65 Med: 0.93 Max: 1.61
Current: 0.97
During the past 10 years, the highest Price to Peter Lynch Fair Value Ratio of CoastalSouth Bancshares was 1.61. The lowest was 0.65. And the median was 0.93.
COSO's Price-to-Peter-Lynch-Fair-Value is ranked better than 59.08% of 892
companies
in the Banks industry
Industry Median: 1.1
vs COSO: 0.97
Note: Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart.
CoastalSouth Bancshares (NYSE:COSO) 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 11.04 instead of 15 in this case.
CoastalSouth Bancshares'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
=
27.49
/
23.85
=
1.15
* 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.
CoastalSouth Bancshares Peter Lynch Fair Value Related Terms
CoastalSouth Bancshares Peter Lynch Fair Value Historical Data
* Premium members only.
The historical data trend for CoastalSouth Bancshares'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.
CoastalSouth Bancshares Peter Lynch Fair Value Chart
COSO vs CSHX, VLNT, FVCB: Peter Lynch Fair Value Comparison
For the Banks - Regional subindustry, CoastalSouth Bancshares'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.
CoastalSouth Bancshares Price-to-Peter-Lynch-Fair-Value vs Banks Industry
For the Banks industry and Financial Services sector, CoastalSouth Bancshares's Price-to-Peter-Lynch-Fair-Value distribution charts can be found below:
* The bar in red indicates where CoastalSouth Bancshares's Price-to-Peter-Lynch-Fair-Value falls into.
CoastalSouth Bancshares's EPS without NRI for the trailing twelve months (TTM) uses the latest annual data, which was $2.16.
* 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 $23.85 mean?
CoastalSouth Bancshares (COSO) has a Peter Lynch Fair Value of $23.85 as of Aug. 30, 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 CoastalSouth Bancshares and its competitors. According to the industry distribution chart, CoastalSouth Bancshares ranks #365 out of 892 companies in the Banks industry, placing it in the top 40.9%.
Is CoastalSouth Bancshares' Peter Lynch Fair Value too high?
CoastalSouth Bancshares' current Peter Lynch Fair Value is $23.85. The Banks industry median Peter Lynch Fair Value is 1.10. CoastalSouth Bancshares' value of $23.85 is 2068.2% above this industry median. Based on the distribution chart, CoastalSouth Bancshares ranks #365 out of 892 companies in the Banks industry, which is above the industry midpoint. Overall, CoastalSouth Bancshares has a GF Score™ of 55/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does CoastalSouth Bancshares' Peter Lynch Fair Value compare to CSHX and VLNT?
According to the Banks industry distribution chart, CoastalSouth Bancshares ranks #365 out of 892 companies for Peter Lynch Fair Value. This puts CoastalSouth Bancshares in the upper half of its industry. The industry median Peter Lynch Fair Value is 1.10. CoastalSouth Bancshares' value of $23.85 is 2068.2% above this benchmark. 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 892 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. CoastalSouth Bancshares's current Peter Lynch Fair Value of $23.85 is 2068.2% 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 CoastalSouth Bancshares 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. CoastalSouth Bancshares's current Peter Lynch Fair Value is $23.85. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CoastalSouth Bancshares stock overvalued right now?
Based on GuruFocus' analysis, CoastalSouth Bancshares (COSO) is currently considered Modestly Overvalued. The stock's GF Value™ is $21.52, compared to a current price of $27.49 — trading 27.7% above its estimated fair value. The current Peter Lynch Fair Value is $23.85 and 2068.2% above the Banks industry median of 1.10. CoastalSouth Bancshares' overall GF Score™ is 55/100 with 8 warning signs 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 CoastalSouth Bancshares (COSO), the current Peter Lynch Fair Value is $23.85 as of Aug. 30, 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 CoastalSouth Bancshares (COSO) Overvalued in 2026?
Based on GuruFocus' analysis, CoastalSouth Bancshares stock appears to be overvalued.
The current stock price of $27.49 is trading 27.7% above its estimated GF Value™ of $21.52.
GuruFocus considers CoastalSouth Bancshares to be Modestly Overvalued.
Key valuation signals for COSO:
Peter Lynch Fair Value: $23.85
GF Value™: $21.52 vs. price of $27.49 (27.7% above fair value)
Industry Position: 2068.2% above the Banks median (#365 of 892)
No single metric tells the full story. See the COSO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CoastalSouth Bancshares Inc is a bank holding company. It offers full-service banking services designed to meet the needs of retail and commercial customers in the markets in which it operates. The services offered include transaction and savings deposit accounts, commercial and consumer lending, mortgage banking, and other activities related to commercial banking. It operates retail banking branches in three retail main retail markets, the Lowcountry of South Carolina, Savannah, Georgia, and metro Atlanta, Georgia.
55GF Score
Get the complete analysis for COSO
Peter Lynch Fair Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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