CDAB (Coeur D'Alene Bancorp) Moat Score: 3/10 (As of Jun. 29, 2026)


CDAB Coeur D'Alene Bancorp CDAB
57 GF Score
Price $16.00
GF Value $16.78
Valuation Fairly Valued
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What is Coeur D'Alene Bancorp Moat Score?

Coeur D'Alene Bancorp CDAB 57 Moat Score is 3 as of Jun. 29, 2026. GuruFocus rates CDAB with a GF Score™ of 57/100 and a GF Value™ of $16.78 (Fairly Valued). Among 1,614 Banks companies, Coeur D'Alene Bancorp ranks better than 74.54% on this metric.

Coeur D'Alene Bancorp has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Coeur D'Alene Bancorp has No Moat: Coeur D'Alene Bancorp operates in a competitive regional banking market with limited differentiation. It lacks significant regulatory barriers, brand strength, or cost advantages that would provide a durable competitive edge.

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 Coeur D'Alene Bancorp might have No Moat - Very weak/transient advantages.

Coeur D'Alene Bancorp  (OTCPK:CDAB) 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

Coeur D'Alene Bancorp Moat Score Related Terms

CDAB vs AMFC, IBWC, ELMA: Moat Score Comparison

For the Banks - Regional subindustry, Coeur D'Alene 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.

Coeur D'Alene Bancorp Moat Score vs Banks Industry

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

* The bar in red indicates where Coeur D'Alene Bancorp's Moat Score falls into.


CDAB
57GF Score
Coeur D'Alene Bancorp CDAB
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 3 mean?
Coeur D'Alene Bancorp (CDAB) has a Moat Score of 3 as of Jun. 29, 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, Coeur D'Alene Bancorp ranks #411 out of 1614 companies in the Banks industry, placing it in the top 25.5%.
Is Coeur D'Alene Bancorp's Moat Score too high?
Coeur D'Alene Bancorp's current Moat Score is 3. Based on the distribution chart, Coeur D'Alene Bancorp ranks #411 out of 1614 companies in the Banks industry, which is above the industry midpoint. Overall, Coeur D'Alene Bancorp has a GF Score™ of 57/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Coeur D'Alene Bancorp's Moat Score compare to AMFC and IBWC?
According to the Banks industry distribution chart, Coeur D'Alene Bancorp ranks #411 out of 1614 companies for Moat Score. This puts Coeur D'Alene 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. Coeur D'Alene Bancorp's current Moat Score is 3. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Coeur D'Alene Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Coeur D'Alene Bancorp (CDAB) is currently considered Fairly Valued. The stock's GF Value™ is $16.78, compared to a current price of $16.00 — trading 4.6% below its estimated fair value. The current Moat Score is 3. Coeur D'Alene Bancorp's overall GF Score™ is 57/100. 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 Coeur D'Alene Bancorp (CDAB), the current Moat Score is 3 as of Jun. 29, 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 Coeur D'Alene Bancorp (CDAB) Overvalued in 2026?

Based on GuruFocus' analysis, Coeur D'Alene Bancorp stock appears to be undervalued. The current stock price of $16.00 is trading 4.6% below its estimated GF Value™ of $16.78. GuruFocus considers Coeur D'Alene Bancorp to be Fairly Valued.

Key valuation signals for CDAB:

  • Moat Score: 3
  • GF Value™: $16.78 vs. price of $16.00 (4.6% below fair value)
  • GF Score™: 57/100

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

Coeur D'Alene Bancorp Business Description

Address 912 Northwest Boulevard, Coeur d’Alene, ID, USA, 83814
Coeur D'Alene Bancorp is a holding company for banks. It provides a full range of banking services to its commercial and consumer customers through its four branches serving Coeur d'Alene, Post Falls, Hayden, Kellogg, Idaho, and contiguous areas. It offers Business loans and Personal loans, home loans including consumer loans and construction loans, and also offers e-banking services including online banking, bill pay, mobile banking, and online education.
57GF Score

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

$16.00
Price
$16.78
GF Value