Bank Polska Kasa Opieki (CHIX:PEOW) Moat Score: 4/10 (As of Jun. 26, 2026)


CHIX:PEOW Bank Polska Kasa Opieki SA CHIX:PEOW
79 GF Score
Price zł110.10
GF Value zł84.49
! 9 Warning Signs
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What is Bank Polska Kasa Opieki Moat Score?

Bank Polska Kasa Opieki CHIX:PEOW 79 Moat Score is 4 as of Jun. 26, 2026. GuruFocus rates CHIX:PEOW with a GF Score™ of 79/100 and a GF Value™ of zł84.49. The stock has 9 warning signs investors should review. Among 1,609 Banks companies, Bank Polska Kasa Opieki ranks better than 86.14% on this metric.

Bank Polska Kasa Opieki has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Bank Polska Kasa Opieki has Narrow Moat: Bank Polska Kasa Opieki SA has a discernible but modest moat due to its established presence in Poland and some regulatory barriers. The bank benefits from economies of scale but lacks strong brand strength and significant customer switching costs.

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 Bank Polska Kasa Opieki might have Narrow Moat - Discernible but modest moat.

Bank Polska Kasa Opieki  (CHIX:PEOw) 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

Bank Polska Kasa Opieki Moat Score Related Terms

CHIX:PEOW vs PNC: Moat Score Comparison

For the Banks - Regional subindustry, Bank Polska Kasa Opieki'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.

Bank Polska Kasa Opieki Moat Score vs Banks Industry

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

* The bar in red indicates where Bank Polska Kasa Opieki's Moat Score falls into.


CHIX:PEOW
79GF Score
Bank Polska Kasa Opieki SA CHIX:PEOW
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 4 mean?
Bank Polska Kasa Opieki (CHIX:PEOW) has a Moat Score of 4 as of Jun. 26, 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, Bank Polska Kasa Opieki ranks #223 out of 1609 companies in the Banks industry, placing it in the top 13.9%.
Is Bank Polska Kasa Opieki's Moat Score too high?
Bank Polska Kasa Opieki's current Moat Score is 4. Based on the distribution chart, Bank Polska Kasa Opieki ranks #223 out of 1609 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bank Polska Kasa Opieki has a GF Score™ of 79/100, reflecting its overall financial health beyond just this single metric.
How does Bank Polska Kasa Opieki's Moat Score compare to PNC?
According to the Banks industry distribution chart, Bank Polska Kasa Opieki ranks #223 out of 1609 companies for Moat Score. This places Bank Polska Kasa Opieki in the top 14% 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. Bank Polska Kasa Opieki's current Moat Score is 4. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Polska Kasa Opieki stock overvalued right now?
Bank Polska Kasa Opieki (CHIX:PEOW) has a current Moat Score of 4. The stock's GF Value™ is zł84.49, compared to a current price of zł110.10 — trading 30.3% above its estimated fair value. The current Moat Score is 4. Bank Polska Kasa Opieki's overall GF Score™ is 79/100 with 9 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 Bank Polska Kasa Opieki (CHIX:PEOW), the current Moat Score is 4 as of Jun. 26, 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 Bank Polska Kasa Opieki (CHIX:PEOW) Overvalued in 2026?

Based on GuruFocus' analysis, Bank Polska Kasa Opieki stock appears to be overvalued. The current stock price of zł110.10 is trading 30.3% above its estimated GF Value™ of zł84.49.

Key valuation signals for CHIX:PEOW:

  • Moat Score: 4
  • GF Value™: zł84.49 vs. price of zł110.10 (30.3% above fair value)
  • GF Score™: 79/100 with 9 warning signs

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

Bank Polska Kasa Opieki Business Description

Address Zubra Street 1, Warsaw, POL, 01-066
Bank Polska Kasa Opieki SA is a commercial banking group that provides a wide variety of retail and investment services in Poland. The group's four segments include retail banking and private banking, corporate and investment banking, enterprise banking and assets and liabilities management. Of these segments, retail and private banking is the greatest contributor to both net interest income and fee and commission income, followed by corporate and investment banking. The majority of the bank's revenue is net interest income, almost entirely derived from loans and receivables from customers.
79GF Score

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

zł110.10
Price
zł84.49
GF Value