CBTN (Citizens Bancorp Investment) Moat Score: 2/10 (As of Jul. 31, 2026)

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CBTN Citizens Bancorp Investment Inc CBTN
68 GF Score
Price $35.50
GF Value $35.77
Valuation Fairly Valued
! 5 Warning Signs
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What is Citizens Bancorp Investment Moat Score?

Citizens Bancorp Investment CBTN 68 Moat Score is 2 as of Jul. 31, 2026. GuruFocus rates CBTN with a GF Score™ of 68/100 and a GF Value™ of $35.77 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,609 Banks companies, Citizens Bancorp Investment ranks better than 60.04% on this metric.

Citizens Bancorp Investment has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

Citizens Bancorp Investment has No Moat: Citizens Bancorp Investment Inc lacks significant market leadership or unique competitive advantages. It does not exhibit strong brand strength, customer loyalty, or significant regulatory barriers. The company operates in a highly competitive banking sector with minimal switching costs and no discernible cost advantages.

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 Citizens Bancorp Investment might have No Moat - Very weak/transient advantages.

Citizens Bancorp Investment  (OTCPK:CBTN) 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

Citizens Bancorp Investment Moat Score Related Terms

CBTN vs FOTB, PBNC, PSBQ: Moat Score Comparison

For the Banks - Regional subindustry, Citizens Bancorp Investment'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.

Citizens Bancorp Investment Moat Score vs Banks Industry

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

* The bar in red indicates where Citizens Bancorp Investment's Moat Score falls into.


CBTN
68GF Score
Citizens Bancorp Investment Inc CBTN
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 2 mean?
Citizens Bancorp Investment (CBTN) has a Moat Score of 2 as of Jul. 31, 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, Citizens Bancorp Investment ranks #643 out of 1609 companies in the Banks industry, placing it in the top 40%.
Is Citizens Bancorp Investment's Moat Score too high?
Citizens Bancorp Investment's current Moat Score is 2. Based on the distribution chart, Citizens Bancorp Investment ranks #643 out of 1609 companies in the Banks industry, which is above the industry midpoint. Overall, Citizens Bancorp Investment has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Citizens Bancorp Investment's Moat Score compare to FOTB and PBNC?
According to the Banks industry distribution chart, Citizens Bancorp Investment ranks #643 out of 1609 companies for Moat Score. This puts Citizens Bancorp Investment 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. Citizens Bancorp Investment's current Moat Score is 2. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citizens Bancorp Investment stock overvalued right now?
Based on GuruFocus' analysis, Citizens Bancorp Investment (CBTN) is currently considered Fairly Valued. The stock's GF Value™ is $35.77, compared to a current price of $35.50 — trading 0.8% below its estimated fair value. The current Moat Score is 2. Citizens Bancorp Investment's overall GF Score™ is 68/100 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 Citizens Bancorp Investment (CBTN), the current Moat Score is 2 as of Jul. 31, 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 Citizens Bancorp Investment (CBTN) Overvalued in 2026?

Based on GuruFocus' analysis, Citizens Bancorp Investment stock appears to be undervalued. The current stock price of $35.50 is trading 0.8% below its estimated GF Value™ of $35.77. GuruFocus considers Citizens Bancorp Investment to be Fairly Valued.

Key valuation signals for CBTN:

  • Moat Score: 2
  • GF Value™: $35.77 vs. price of $35.50 (0.8% below fair value)
  • GF Score™: 68/100 with 5 warning signs

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

Citizens Bancorp Investment Business Description

Address 400 Highway 52 West, P.O. Box 100, Lafayette, TN, USA, 37083
Citizens Bancorp Investment Inc is engaged in providing commercial banking services. The company offers traditional community banking products, including loans, mortgages, deposits, debit cards, and business cash management. It also provides services such as online and mobile banking, overdraft facilities, business banking solutions, and agricultural financing.
68GF Score

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

$35.50
Price
$35.77
GF Value