BPCGF (Banco Comercial Portugues) Moat Score: 5/10 (As of Jun. 25, 2026)


BPCGF Banco Comercial Portugues SA BPCGF
47 GF Score
Price $1.05
GF Value $0.51
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Banco Comercial Portugues Moat Score?

Banco Comercial Portugues BPCGF 47 Moat Score is 5 as of Jun. 25, 2026. GuruFocus rates BPCGF with a GF Score™ of 47/100 and a GF Value™ of $0.51 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,609 Banks companies, Banco Comercial Portugues ranks better than 93.97% on this metric.

Banco Comercial Portugues has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Banco Comercial Portugues has Narrow Moat: Banco Comercial Portugues has a narrow moat due to its established presence in the Portuguese banking sector and some regulatory barriers. It benefits from moderate brand strength and customer loyalty but lacks significant network effects or 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 Banco Comercial Portugues might have Narrow Moat - Solid narrow moat.

Banco Comercial Portugues  (OTCPK:BPCGF) 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

Banco Comercial Portugues Moat Score Related Terms

BPCGF vs PNC, USB: Moat Score Comparison

For the Banks - Regional subindustry, Banco Comercial Portugues'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.

Banco Comercial Portugues Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Banco Comercial Portugues's Moat Score distribution charts can be found below:

* The bar in red indicates where Banco Comercial Portugues's Moat Score falls into.


BPCGF
47GF Score
Banco Comercial Portugues SA BPCGF
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 5 mean?
Banco Comercial Portugues (BPCGF) has a Moat Score of 5 as of Jun. 25, 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, Banco Comercial Portugues ranks #97 out of 1609 companies in the Banks industry, placing it in the top 6%.
Is Banco Comercial Portugues' Moat Score too high?
Banco Comercial Portugues' current Moat Score is 5. Based on the distribution chart, Banco Comercial Portugues ranks #97 out of 1609 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Banco Comercial Portugues has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Comercial Portugues' Moat Score compare to PNC and USB?
According to the Banks industry distribution chart, Banco Comercial Portugues ranks #97 out of 1609 companies for Moat Score. This places Banco Comercial Portugues in the top 6% 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. Banco Comercial Portugues's current Moat Score is 5. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Comercial Portugues stock overvalued right now?
Based on GuruFocus' analysis, Banco Comercial Portugues (BPCGF) is currently considered Significantly Overvalued. The stock's GF Value™ is $0.51, compared to a current price of $1.05 — trading 105.1% above its estimated fair value. The current Moat Score is 5. Banco Comercial Portugues' overall GF Score™ is 47/100 with 6 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 Banco Comercial Portugues (BPCGF), the current Moat Score is 5 as of Jun. 25, 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 Banco Comercial Portugues (BPCGF) Overvalued in 2026?

Based on GuruFocus' analysis, Banco Comercial Portugues stock appears to be overvalued. The current stock price of $1.05 is trading 105.1% above its estimated GF Value™ of $0.51. GuruFocus considers Banco Comercial Portugues to be Significantly Overvalued.

Key valuation signals for BPCGF:

  • Moat Score: 5
  • GF Value™: $0.51 vs. price of $1.05 (105.1% above fair value)
  • GF Score™: 47/100 with 6 warning signs

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

Banco Comercial Portugues Business Description

Address Praca D. Joao I, 28, Porto, PRT, 4000-295
Banco Comercial Portugues SA is a Portuguese private sector bank operating in Portugal, as well as Poland, Mozambique, Macau, and Angola. The bank offers a wide range of retail and corporate banking products and services. Its distribution network includes traditional branches, as well as online banking, call centers, mobile banking, ATMs, and point of sale systems. Along with its subsidiaries, it operates in the following segments: Retail Banking, Companies and Corporate, Private Banking, International Businesses, and Other. Maximum revenue is generated from the Retail Banking segment, which serves individuals, small businesses, and SMEs through a mix of mass-market services, personalized relationship management for higher-value customers, and includes the operations of ActivoBank.
47GF Score

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

$1.05
Price
$0.51
GF Value