CBWA (Commencement Bancorp) Moat Score: 2/10 (As of Jul. 01, 2026)


CBWA Commencement Bancorp Inc CBWA
68 GF Score
Price $17.55
GF Value $17.08
Valuation Fairly Valued
! 2 Warning Signs
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What is Commencement Bancorp Moat Score?

Commencement Bancorp CBWA 68 Moat Score is 2 as of Jul. 01, 2026. GuruFocus rates CBWA with a GF Score™ of 68/100 and a GF Value™ of $17.08 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,611 Banks companies, Commencement Bancorp ranks better than 59.84% on this metric.

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

Commencement Bancorp has No Moat: Commencement Bancorp Inc lacks significant market leadership or competitive advantages. It operates in a competitive banking sector with minimal switching costs, no strong brand strength, and no significant regulatory barriers or 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 Commencement Bancorp might have No Moat - Very weak/transient advantages.

Commencement Bancorp  (OTCPK:CBWA) 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

Commencement Bancorp Moat Score Related Terms

CBWA vs ASRV, MVLY, HFBK: Moat Score Comparison

For the Banks - Regional subindustry, Commencement Bancorp'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.

Commencement Bancorp Moat Score vs Banks Industry

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

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


CBWA
68GF Score
Commencement Bancorp Inc CBWA
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?
Commencement Bancorp (CBWA) has a Moat Score of 2 as of Jul. 01, 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, Commencement Bancorp ranks #647 out of 1611 companies in the Banks industry, placing it in the top 40.2%.
Is Commencement Bancorp's Moat Score too high?
Commencement Bancorp's current Moat Score is 2. Based on the distribution chart, Commencement Bancorp ranks #647 out of 1611 companies in the Banks industry, which is above the industry midpoint. Overall, Commencement Bancorp has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Commencement Bancorp's Moat Score compare to ASRV and MVLY?
According to the Banks industry distribution chart, Commencement Bancorp ranks #647 out of 1611 companies for Moat Score. This puts Commencement Bancorp 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. Commencement Bancorp'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 Commencement Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Commencement Bancorp (CBWA) is currently considered Fairly Valued. The stock's GF Value™ is $17.08, compared to a current price of $17.55 — trading 2.8% above its estimated fair value. The current Moat Score is 2. Commencement Bancorp's overall GF Score™ is 68/100 with 2 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 Commencement Bancorp (CBWA), the current Moat Score is 2 as of Jul. 01, 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 Commencement Bancorp (CBWA) Overvalued in 2026?

Based on GuruFocus' analysis, Commencement Bancorp stock appears to be overvalued. The current stock price of $17.55 is trading 2.8% above its estimated GF Value™ of $17.08. GuruFocus considers Commencement Bancorp to be Fairly Valued.

Key valuation signals for CBWA:

  • Moat Score: 2
  • GF Value™: $17.08 vs. price of $17.55 (2.8% above fair value)
  • GF Score™: 68/100 with 2 warning signs

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

Commencement Bancorp Business Description

Address 1313 Broadway, Suite 400, Tacoma, WA, USA, 98402
Commencement Bancorp Inc is a holding company that operates through its subsidiary. It provides loan and deposit services to customers, who are predominately individuals and small and midsized businesses in western Washington. The company offers banking products and services such as Personal Banking which includes Personal Checking, Personal Loans & Credit, Savings & Money markets, Business Banking which includes Business Loans, Checking & Savings, Business Services, and Merchant Services.
68GF Score

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$17.55
Price
$17.08
GF Value