ADBKF (Addiko Bank AG) Moat Score: 3/10 (As of Jul. 01, 2026)


ADBKF Addiko Bank AG ADBKF
71 GF Score
Price $30.23
GF Value $22.53
Valuation Significantly Overvalued
! 4 Warning Signs
View Full Analysis

What is Addiko Bank AG Moat Score?

Addiko Bank AG ADBKF 71 Moat Score is 3 as of Jul. 01, 2026. GuruFocus rates ADBKF with a GF Score™ of 71/100 and a GF Value™ of $22.53 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,611 Banks companies, Addiko Bank AG ranks better than 74.49% on this metric.

Addiko Bank AG has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Addiko Bank AG has No Moat: Addiko Bank AG operates in a highly competitive banking sector with limited differentiation. It lacks significant market share, brand strength, or unique cost advantages. The regulatory environment provides some barriers, but not enough to establish a durable competitive advantage.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Addiko Bank AG might have No Moat - Very weak/transient advantages.

Addiko Bank AG  (OTCPK:ADBKF) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Addiko Bank AG Moat Score Related Terms

ADBKF vs PNC, USB: Moat Score Comparison

For the Banks - Regional subindustry, Addiko Bank AG's Moat Score, along with its competitors' market caps and Moat Score 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.

Addiko Bank AG Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Addiko Bank AG's Moat Score distribution charts can be found below:

* The bar in red indicates where Addiko Bank AG's Moat Score falls into.


ADBKF
71GF Score
Addiko Bank AG ADBKF
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Addiko Bank AG (ADBKF) has a Moat Score of 3 as of Jul. 01, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Addiko Bank AG ranks #411 out of 1611 companies in the Banks industry, placing it in the top 25.5%.
Is Addiko Bank AG's Moat Score too high?
Addiko Bank AG's current Moat Score is 3. Based on the distribution chart, Addiko Bank AG ranks #411 out of 1611 companies in the Banks industry, which is above the industry midpoint. Overall, Addiko Bank AG has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Addiko Bank AG's Moat Score compare to PNC and USB?
According to the Banks industry distribution chart, Addiko Bank AG ranks #411 out of 1611 companies for Moat Score. This puts Addiko Bank AG in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Addiko Bank AG's current Moat Score is 3. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Addiko Bank AG stock overvalued right now?
Based on GuruFocus' analysis, Addiko Bank AG (ADBKF) is currently considered Significantly Overvalued. The stock's GF Value™ is $22.53, compared to a current price of $30.23 — trading 34.2% above its estimated fair value. The current Moat Score is 3. Addiko Bank AG's overall GF Score™ is 71/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Addiko Bank AG (ADBKF), the current Moat Score is 3 as of Jul. 01, 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 Addiko Bank AG (ADBKF) Overvalued in 2026?

Based on GuruFocus' analysis, Addiko Bank AG stock appears to be overvalued. The current stock price of $30.23 is trading 34.2% above its estimated GF Value™ of $22.53. GuruFocus considers Addiko Bank AG to be Significantly Overvalued.

Key valuation signals for ADBKF:

  • Moat Score: 3
  • GF Value™: $22.53 vs. price of $30.23 (34.2% above fair value)
  • GF Score™: 71/100 with 4 warning signs

No single metric tells the full story. See the ADBKF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Addiko Bank AG Business Description

Other Exchanges ZYE1:GermanyADKO:Austria
Address Canettistrasse 5/12 OG, Vienna, AUT, 1100
Addiko Bank AG is an international banking group. The company offers direct and term deposits, digital products, and various other services. The company's operating segments include Consumer, SME Business, Mortgage, Large Corporate & Public Finance, and Corporate Center. The company generates the majority of its revenue from the Consumer segment.
71GF Score

Get the complete analysis for ADBKF

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$30.23
Price
$22.53
GF Value