BCO Estado de Sergipe - Banese (BSP:BGIP4) Moat Score: 0/10 (As of Jul. 15, 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.

BSP:BGIP4 BCO Estado de Sergipe SA - Banese BSP:BGIP4
45 GF Score
Price R$33.26
GF Value R$15.15
Valuation Significantly Overvalued
! 2 Warning Signs
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What is BCO Estado de Sergipe - Banese Moat Score?

BCO Estado de Sergipe - Banese has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

BCO Estado de Sergipe - Banese 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 BCO Estado de Sergipe - Banese might have No Moat - No discernible moat.

BCO Estado de Sergipe - Banese  (BSP:BGIP4) 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

BCO Estado de Sergipe - Banese Moat Score Related Terms

BSP:BGIP4
45GF Score
BCO Estado de Sergipe SA - Banese BSP:BGIP4
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is BCO Estado de Sergipe - Banese (BSP:BGIP4) Overvalued in 2026?

Based on GuruFocus' analysis, BCO Estado de Sergipe - Banese stock appears to be overvalued. The current stock price of R$33.26 is trading 119.5% above its estimated GF Value™ of R$15.15. GuruFocus considers BCO Estado de Sergipe - Banese to be Significantly Overvalued.

Key valuation signals for BSP:BGIP4:

  • Moat Score: 0
  • GF Value™: R$15.15 vs. price of R$33.26 (119.5% above fair value)
  • GF Score™: 45/100 with 2 warning signs

No single metric tells the full story. See the BSP:BGIP4 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

BCO Estado de Sergipe - Banese Business Description

Other Exchanges BGIP3:Brazil
Address Rua F - 31, Aracaju, SE, BRA, 49040240
BCO Estado de Sergipe SA - Banese offers a range of banking products and services to individuals and corporates in the areas of loans and deposits, investment banking, portfolio management, leasing, pension, as well as life and property insurance and Internet banking services.
45GF Score

Get the complete analysis for BSP:BGIP4

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

R$33.26
Price
R$15.15
GF Value