CHBJF (China Citic Bank) Moat Score: 6/10 (As of Jul. 06, 2026)


CHBJF China Citic Bank Corp Ltd CHBJF
40 GF Score
Price $0.85
GF Value $0.83
Valuation Fairly Valued
! 2 Warning Signs
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What is China Citic Bank Moat Score?

China Citic Bank CHBJF 40 Moat Score is 6 as of Jul. 06, 2026. GuruFocus rates CHBJF with a GF Score™ of 40/100 and a GF Value™ of $0.83 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,612 Banks companies, China Citic Bank ranks better than 97.83% on this metric.

China Citic Bank has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

China Citic Bank has Narrow Moat: China Citic Bank Corp Ltd has a strong narrow moat due to its significant market share in China, strong brand recognition, and customer loyalty. It benefits from economies of scale and regulatory barriers in the Chinese banking sector, but lacks global dominance.

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 China Citic Bank might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

China Citic Bank  (OTCPK:CHBJF) 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

China Citic Bank Moat Score Related Terms

China Citic Bank Moat Score Competitor Comparison

For the Banks - Regional subindustry, China Citic Bank'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.

China Citic Bank Moat Score vs Banks Industry

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

* The bar in red indicates where China Citic Bank's Moat Score falls into.


CHBJF
40GF Score
China Citic Bank Corp Ltd CHBJF
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 6 mean?
China Citic Bank (CHBJF) has a Moat Score of 6 as of Jul. 06, 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, China Citic Bank ranks #35 out of 1612 companies in the Banks industry, placing it in the top 2.2%.
Is China Citic Bank's Moat Score too high?
China Citic Bank's current Moat Score is 6. Based on the distribution chart, China Citic Bank ranks #35 out of 1612 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, China Citic Bank has a GF Score™ of 40/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does China Citic Bank's Moat Score compare to competitors?
According to the Banks industry distribution chart, China Citic Bank ranks #35 out of 1612 companies for Moat Score. This places China Citic Bank in the top 2% 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. China Citic Bank's current Moat Score is 6. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is China Citic Bank stock overvalued right now?
Based on GuruFocus' analysis, China Citic Bank (CHBJF) is currently considered Fairly Valued. The stock's GF Value™ is $0.83, compared to a current price of $0.85 — trading 2.6% above its estimated fair value. The current Moat Score is 6. China Citic Bank's overall GF Score™ is 40/100 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 China Citic Bank (CHBJF), the current Moat Score is 6 as of Jul. 06, 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 China Citic Bank (CHBJF) Overvalued in 2026?

Based on GuruFocus' analysis, China Citic Bank stock appears to be overvalued. The current stock price of $0.85 is trading 2.6% above its estimated GF Value™ of $0.83. GuruFocus considers China Citic Bank to be Fairly Valued.

Key valuation signals for CHBJF:

  • Moat Score: 6
  • GF Value™: $0.83 vs. price of $0.85 (2.6% above fair value)
  • GF Score™: 40/100 with 2 warning signs

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

China Citic Bank Business Description

Address 10 Guanghua Road, 6-30th Floor and 32-42th Floor, Building No. 1, Chaoyang District, Beijing, CHN, 100020
China Citic Bank, headquartered in Beijing, ranks as China's ninth-largest commercial lender. The bank operates a nationwide network of 1,459 branches across 153 cities, supplemented by offshore presence in Hong Kong, Macao, New York, Los Angeles, and Singapore as of mid-2024. Founded in 1987, it serves as a core subsidiary of Citic Group, a premier state-owned conglomerate.
40GF Score

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

$0.85
Price
$0.83
GF Value