National Bank of Ras Al-Khaimah PSC (ADX:RAKBANK) Moat Score: 0/10 (As of Jul. 16, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

ADX:RAKBANK National Bank of Ras Al-Khaimah PSC ADX:RAKBANK
58 GF Score
Price د.إ9.07
GF Value د.إ7.57
Valuation Modestly Overvalued
! 6 Warning Signs
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What is National Bank of Ras Al-Khaimah PSC Moat Score?

National Bank of Ras Al-Khaimah PSC has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

National Bank of Ras Al-Khaimah PSC has

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 National Bank of Ras Al-Khaimah PSC might have No Moat - No discernible moat.

National Bank of Ras Al-Khaimah PSC  (ADX:RAKBANK) 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

National Bank of Ras Al-Khaimah PSC Moat Score Related Terms

ADX:RAKBANK
58GF Score
National Bank of Ras Al-Khaimah PSC ADX:RAKBANK
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is National Bank of Ras Al-Khaimah PSC (ADX:RAKBANK) Overvalued in 2026?

Based on GuruFocus' analysis, National Bank of Ras Al-Khaimah PSC stock appears to be overvalued. The current stock price of د.إ9.07 is trading 19.8% above its estimated GF Value™ of د.إ7.57. GuruFocus considers National Bank of Ras Al-Khaimah PSC to be Modestly Overvalued.

Key valuation signals for ADX:RAKBANK:

  • Moat Score: 0
  • GF Value™: د.إ7.57 vs. price of د.إ9.07 (19.8% above fair value)
  • GF Score™: 58/100 with 6 warning signs

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

National Bank of Ras Al-Khaimah PSC Business Description

Address Exit No. 129, Sheikh Mohammed Bin Zayed Road, P.O. Box 5300, Ras Al-Khaimah, ARE
National Bank of Ras Al-Khaimah PSC is engaged in providing retail and commercial banking services in the UAE. The bank has operating segments, namely Retail Banking, Wholesale Banking, Business Banking, Head office & Others. It generates maximum revenue from the Wholesale banking segment, which represents transactions with corporate bodies, including government and public bodies, and comprises loans, advances, deposits, and trade finance transactions of corporate customers and financial institutions.
58GF Score

Get the complete analysis for ADX:RAKBANK

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

د.إ9.07
Price
د.إ7.57
GF Value