BCCB (Beach Cities Commercial Bank) Moat Score: 3/10 (As of Aug. 01, 2026)

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BCCB Beach Cities Commercial Bank BCCB
8 GF Score
Price $7.78
! 1 Warning Sign
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What is Beach Cities Commercial Bank Moat Score?

Beach Cities Commercial Bank BCCB 8 Moat Score is 3 as of Aug. 01, 2026. GuruFocus rates BCCB with a GF Score™ of 8/100. The stock has 1 warning sign investors should review. Among 1,609 Banks companies, Beach Cities Commercial Bank ranks better than 74.64% on this metric.

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

Beach Cities Commercial Bank has No Moat: Beach Cities Commercial Bank is a small regional bank with limited market share and no significant competitive advantages. It lacks strong brand strength, customer loyalty, and faces competition from larger banks. The bank does not have significant regulatory barriers or cost advantages to establish a durable moat.

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 Beach Cities Commercial Bank might have No Moat - Very weak/transient advantages.

Beach Cities Commercial Bank  (OTCPK:BCCB) 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

Beach Cities Commercial Bank Moat Score Related Terms

BCCB vs MKIN, FLEW, TDCB: Moat Score Comparison

For the Banks - Regional subindustry, Beach Cities Commercial Bank'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.

Beach Cities Commercial Bank Moat Score vs Banks Industry

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

* The bar in red indicates where Beach Cities Commercial Bank's Moat Score falls into.


BCCB
8GF Score
Beach Cities Commercial Bank BCCB
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 3 mean?
Beach Cities Commercial Bank (BCCB) has a Moat Score of 3 as of Aug. 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, Beach Cities Commercial Bank ranks #408 out of 1609 companies in the Banks industry, placing it in the top 25.4%.
Is Beach Cities Commercial Bank's Moat Score too high?
Beach Cities Commercial Bank's current Moat Score is 3. Based on the distribution chart, Beach Cities Commercial Bank ranks #408 out of 1609 companies in the Banks industry, which is above the industry midpoint. Overall, Beach Cities Commercial Bank has a GF Score™ of 8/100, reflecting its overall financial health beyond just this single metric.
How does Beach Cities Commercial Bank's Moat Score compare to MKIN and FLEW?
According to the Banks industry distribution chart, Beach Cities Commercial Bank ranks #408 out of 1609 companies for Moat Score. This puts Beach Cities Commercial Bank 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. Beach Cities Commercial Bank'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 Beach Cities Commercial Bank stock overvalued right now?
Beach Cities Commercial Bank (BCCB) has a current Moat Score of 3. The current Moat Score is 3. Beach Cities Commercial Bank's overall GF Score™ is 8/100 with 1 warning sign 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 Beach Cities Commercial Bank (BCCB), the current Moat Score is 3 as of Aug. 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.

Beach Cities Commercial Bank Business Description

Address 100 Progress, Suite 150, Irvine, CA, USA, 92618
Beach Cities Commercial Bank offers personal and commercial banking services. The services provided by the company are checking, savings accounts, certificates of deposits and commercial and real estate loans.
8GF Score

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