BXRBF (Bendigo and Adelaide Bank) Moat Score: 5/10 (As of Jun. 28, 2026)


BXRBF Bendigo and Adelaide Bank Ltd BXRBF
55 GF Score
Price $7.32
GF Value $8.03
Valuation Modestly Undervalued
! 6 Warning Signs
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What is Bendigo and Adelaide Bank Moat Score?

Bendigo and Adelaide Bank BXRBF 55 Moat Score is 5 as of Jun. 28, 2026. GuruFocus rates BXRBF with a GF Score™ of 55/100 and a GF Value™ of $8.03 (Modestly Undervalued). The stock has 6 warning signs investors should review. Among 1,614 Banks companies, Bendigo and Adelaide Bank ranks better than 94.05% on this metric.

Bendigo and Adelaide Bank has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Bendigo and Adelaide Bank has Narrow Moat: Bendigo and Adelaide Bank has a solid position in the Australian banking sector with a loyal customer base and regulatory barriers. However, intense competition and limited pricing power constrain its moat to a solid narrow level.

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 Bendigo and Adelaide Bank might have Narrow Moat - Solid narrow moat.

Bendigo and Adelaide Bank  (OTCPK:BXRBF) 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

Bendigo and Adelaide Bank Moat Score Related Terms

BXRBF vs PNC, USB: Moat Score Comparison

For the Banks - Regional subindustry, Bendigo and Adelaide 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.

Bendigo and Adelaide Bank Moat Score vs Banks Industry

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

* The bar in red indicates where Bendigo and Adelaide Bank's Moat Score falls into.


BXRBF
55GF Score
Bendigo and Adelaide Bank Ltd BXRBF
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?
Bendigo and Adelaide Bank (BXRBF) has a Moat Score of 5 as of Jun. 28, 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, Bendigo and Adelaide Bank ranks #96 out of 1614 companies in the Banks industry, placing it in the top 5.9%.
Is Bendigo and Adelaide Bank's Moat Score too high?
Bendigo and Adelaide Bank's current Moat Score is 5. Based on the distribution chart, Bendigo and Adelaide Bank ranks #96 out of 1614 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bendigo and Adelaide Bank has a GF Score™ of 55/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Bendigo and Adelaide Bank's Moat Score compare to PNC and USB?
According to the Banks industry distribution chart, Bendigo and Adelaide Bank ranks #96 out of 1614 companies for Moat Score. This places Bendigo and Adelaide Bank 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. Bendigo and Adelaide Bank'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 Bendigo and Adelaide Bank stock overvalued right now?
Based on GuruFocus' analysis, Bendigo and Adelaide Bank (BXRBF) is currently considered Modestly Undervalued. The stock's GF Value™ is $8.03, compared to a current price of $7.32 — trading 8.8% below its estimated fair value. The current Moat Score is 5. Bendigo and Adelaide Bank's overall GF Score™ is 55/100 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 Bendigo and Adelaide Bank (BXRBF), the current Moat Score is 5 as of Jun. 28, 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 Bendigo and Adelaide Bank (BXRBF) Overvalued in 2026?

Based on GuruFocus' analysis, Bendigo and Adelaide Bank stock appears to be undervalued. The current stock price of $7.32 is trading 8.8% below its estimated GF Value™ of $8.03. GuruFocus considers Bendigo and Adelaide Bank to be Modestly Undervalued.

Key valuation signals for BXRBF:

  • Moat Score: 5
  • GF Value™: $8.03 vs. price of $7.32 (8.8% below fair value)
  • GF Score™: 55/100 with 6 warning signs

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

Bendigo and Adelaide Bank Business Description

Address 22-44 Bath Lane, The Bendigo Centre, Bendigo, VIC, AUS, 3550
Founded in 1858 as the Bendigo Building Society as a leading regional bank operating in the consumer, small-business, and rural banking sectors, Bendigo gained public goodwill after rolling out branches in locations deserted by major banks in the late 1990s and early 2000s. The Adelaide Bank merger in 2007 diversified the bank into wholesale banking, while expanding the geographical footprint. It is a conservatively managed retail bank with a long history, a well-regarded retail franchise, and high levels of customer and shareholder loyalty.
55GF Score

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

$7.32
Price
$8.03
GF Value