Bank of Queensland (ASX:BOQ) Moat Score: 4/10 (As of Jul. 01, 2026)


ASX:BOQ Bank of Queensland Ltd ASX:BOQ
59 GF Score
Price A$6.18
GF Value A$6.45
Valuation Fairly Valued
! 2 Warning Signs
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What is Bank of Queensland Moat Score?

Bank of Queensland ASX:BOQ -2.06% 59 Moat Score is 4 as of Jul. 01, 2026. GuruFocus rates ASX:BOQ with a GF Score™ of 59/100 and a GF Value™ of A$6.45 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,611 Banks companies, Bank of Queensland ranks better than 86.22% on this metric.

Bank of Queensland has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Bank of Queensland has Narrow Moat: Bank of Queensland Ltd has a modest moat with a stable market position in Australia and some customer loyalty. The bank benefits from regulatory barriers and economies of scale, but lacks strong brand strength and significant pricing power.

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 Bank of Queensland might have Narrow Moat - Discernible but modest moat.

Bank of Queensland  (ASX:BOQ) 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

Bank of Queensland Moat Score Related Terms

ASX:BOQ vs PNC, USB: Moat Score Comparison

For the Banks - Regional subindustry, Bank of Queensland'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.

Bank of Queensland Moat Score vs Banks Industry

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

* The bar in red indicates where Bank of Queensland's Moat Score falls into.


ASX:BOQ
59GF Score
Bank of Queensland Ltd ASX:BOQ
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Bank of Queensland (ASX:BOQ) has a Moat Score of 4 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, Bank of Queensland ranks #222 out of 1611 companies in the Banks industry, placing it in the top 13.8%.
Is Bank of Queensland's Moat Score too high?
Bank of Queensland's current Moat Score is 4. Based on the distribution chart, Bank of Queensland ranks #222 out of 1611 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bank of Queensland has a GF Score™ of 59/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bank of Queensland's Moat Score compare to PNC and USB?
According to the Banks industry distribution chart, Bank of Queensland ranks #222 out of 1611 companies for Moat Score. This places Bank of Queensland in the top 14% of its industry — outperforming the majority of peers. 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. Bank of Queensland's current Moat Score is 4. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of Queensland stock overvalued right now?
Based on GuruFocus' analysis, Bank of Queensland (ASX:BOQ) is currently considered Fairly Valued. The stock's GF Value™ is A$6.45, compared to a current price of A$6.18 — trading 4.2% below its estimated fair value. The current Moat Score is 4. Bank of Queensland's overall GF Score™ is 59/100 with 2 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 Bank of Queensland (ASX:BOQ), the current Moat Score is 4 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 Bank of Queensland (ASX:BOQ) Overvalued in 2026?

Based on GuruFocus' analysis, Bank of Queensland stock appears to be undervalued. The current stock price of A$6.18 is trading 4.2% below its estimated GF Value™ of A$6.45. GuruFocus considers Bank of Queensland to be Fairly Valued.

Key valuation signals for ASX:BOQ:

  • Moat Score: 4
  • GF Value™: A$6.45 vs. price of A$6.18 (4.2% below fair value)
  • GF Score™: 59/100 with 2 warning signs

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

Bank of Queensland Business Description

Address 100 Skyring Terrace, Level 3, Newstead, QLD, AUS, 4006
Bank of Queensland is an Australia-based bank offering home loans, personal finance, and commercial loans. In addition to BOQ branded services, the bank is the owner of Virgin Money Australia and Me Bank. Its BOQ business includes the BOQ branded commercial lending activity, BOQ Finance and BOQ Specialist businesses. The division provides tailored business banking solutions including commercial lending, equipment finance and leasing, cash flow finance, foreign exchange, interest rate hedging, transaction banking, and deposit solutions for commercial customers.
59GF Score

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

A$6.18
Price
A$6.45
GF Value