CHBH (Croghan Bancshares) Moat Score: 3/10 (As of Jul. 05, 2026)


CHBH Croghan Bancshares Inc CHBH
57 GF Score
Price $61.00
GF Value $58.56
Valuation Fairly Valued
! 3 Warning Signs
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What is Croghan Bancshares Moat Score?

Croghan Bancshares CHBH 57 Moat Score is 3 as of Jul. 05, 2026. GuruFocus rates CHBH with a GF Score™ of 57/100 and a GF Value™ of $58.56 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,612 Banks companies, Croghan Bancshares ranks better than 74.57% on this metric.

Croghan Bancshares has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Croghan Bancshares has No Moat: Croghan Bancshares Inc has limited competitive advantages. It operates in a competitive regional banking market with no significant market leadership or customer switching costs. The company lacks strong brand strength, intellectual property, and regulatory barriers.

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 Croghan Bancshares might have No Moat - Very weak/transient advantages.

Croghan Bancshares  (OTCPK:CHBH) 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

Croghan Bancshares Moat Score Related Terms

CHBH vs PPBN, FCPB, CTUY: Moat Score Comparison

For the Banks - Regional subindustry, Croghan Bancshares'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.

Croghan Bancshares Moat Score vs Banks Industry

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

* The bar in red indicates where Croghan Bancshares's Moat Score falls into.


CHBH
57GF Score
Croghan Bancshares Inc CHBH
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?
Croghan Bancshares (CHBH) has a Moat Score of 3 as of Jul. 05, 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, Croghan Bancshares ranks #410 out of 1612 companies in the Banks industry, placing it in the top 25.4%.
Is Croghan Bancshares' Moat Score too high?
Croghan Bancshares' current Moat Score is 3. Based on the distribution chart, Croghan Bancshares ranks #410 out of 1612 companies in the Banks industry, which is above the industry midpoint. Overall, Croghan Bancshares has a GF Score™ of 57/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Croghan Bancshares' Moat Score compare to PPBN and FCPB?
According to the Banks industry distribution chart, Croghan Bancshares ranks #410 out of 1612 companies for Moat Score. This puts Croghan Bancshares 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. Croghan Bancshares'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 Croghan Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Croghan Bancshares (CHBH) is currently considered Fairly Valued. The stock's GF Value™ is $58.56, compared to a current price of $61.00 — trading 4.2% above its estimated fair value. The current Moat Score is 3. Croghan Bancshares' overall GF Score™ is 57/100 with 3 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 Croghan Bancshares (CHBH), the current Moat Score is 3 as of Jul. 05, 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 Croghan Bancshares (CHBH) Overvalued in 2026?

Based on GuruFocus' analysis, Croghan Bancshares stock appears to be overvalued. The current stock price of $61.00 is trading 4.2% above its estimated GF Value™ of $58.56. GuruFocus considers Croghan Bancshares to be Fairly Valued.

Key valuation signals for CHBH:

  • Moat Score: 3
  • GF Value™: $58.56 vs. price of $61.00 (4.2% above fair value)
  • GF Score™: 57/100 with 3 warning signs

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

Croghan Bancshares Business Description

Address 323 Croghan Street, Fremont, OH, USA, 43420
Croghan Bancshares Inc is a financial holding company. The bank offers a diverse range of commercial and retail banking services through its banking centers located in Bellevue, Clyde, Curtice, Fremont, Green Springs, Monroeville, Norwalk, Maumee, Milan, Oak Harbor, Oregon, Port Clinton, and Tiffin, Ohio. Its products are comprised of traditional banking services such as consumer, commercial, agricultural and real estate loans, personal and business checking accounts, savings accounts, time deposit accounts, safe deposit box services, and trust department services. The company operates in one industry segment, the commercial banking industry.
57GF Score

Get the complete analysis for CHBH

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

$61.00
Price
$58.56
GF Value