CBK (Commercial Bancgroup) Moat Score: 4/10 (As of Aug. 27, 2026)

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CBK Commercial Bancgroup Inc CBK
10 GF Score
Price $33.84
! 5 Warning Signs
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What is Commercial Bancgroup Moat Score?

Commercial Bancgroup CBK +0.09% 10 Moat Score is 4 as of Aug. 27, 2026. GuruFocus rates CBK with a GF Score™ of 10/100. The stock has 5 warning signs investors should review. Among 1,605 Banks companies, Commercial Bancgroup ranks better than 86.23% on this metric.

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

Commercial Bancgroup has Narrow Moat: CBK benefits from regional market leadership and customer relationships, but lacks significant scale or unique technology. Its moat is modest, based on local brand strength and customer loyalty.

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 Commercial Bancgroup might have Narrow Moat - Discernible but modest moat.

Commercial Bancgroup  (NAS:CBK) 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

Commercial Bancgroup Moat Score Related Terms

CBK vs FRBA, GBFH, RBB: Moat Score Comparison

For the Banks - Regional subindustry, Commercial Bancgroup'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.

Commercial Bancgroup Moat Score vs Banks Industry

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

* The bar in red indicates where Commercial Bancgroup's Moat Score falls into.


CBK
10GF Score
Commercial Bancgroup Inc CBK
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?
Commercial Bancgroup (CBK) has a Moat Score of 4 as of Aug. 27, 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, Commercial Bancgroup ranks #221 out of 1605 companies in the Banks industry, placing it in the top 13.8%.
Is Commercial Bancgroup's Moat Score too high?
Commercial Bancgroup's current Moat Score is 4. Based on the distribution chart, Commercial Bancgroup ranks #221 out of 1605 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Commercial Bancgroup has a GF Score™ of 10/100, reflecting its overall financial health beyond just this single metric.
How does Commercial Bancgroup's Moat Score compare to FRBA and GBFH?
According to the Banks industry distribution chart, Commercial Bancgroup ranks #221 out of 1605 companies for Moat Score. This places Commercial Bancgroup 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. Commercial Bancgroup'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 Commercial Bancgroup stock overvalued right now?
Commercial Bancgroup (CBK) has a current Moat Score of 4. The current Moat Score is 4. Commercial Bancgroup's overall GF Score™ is 10/100 with 5 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 Commercial Bancgroup (CBK), the current Moat Score is 4 as of Aug. 27, 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.

Commercial Bancgroup Business Description

Address 6710 Cumberland Gap Parkway, Harrogate, TN, USA, 37752
Commercial Bancgroup Inc is a bank holding company. Through its subsidiary, it operates as a full-service community banking institution offering traditional consumer and commercial products and services to businesses and individuals in select markets in Kentucky, North Carolina, and Tennessee. In Tennessee, its service areas include the metropolitan statistical areas of Nashville Davidson, Murfreesboro, Franklin, Knoxville, and the Tri Cities region of Kingsport, Bristol, and Johnson City, as well as Claiborne County, Cocke County, Union County, Hamblen County, and their surrounding areas.
10GF Score

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