CIBH (CIB Marine Bancshares) Moat Score: 3/10 (As of Aug. 02, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CIBH CIB Marine Bancshares Inc CIBH
40 GF Score
Price $41.99
! 7 Warning Signs
View Full Analysis

What is CIB Marine Bancshares Moat Score?

CIB Marine Bancshares CIBH -0.79% 40 Moat Score is 3 as of Aug. 02, 2026. GuruFocus rates CIBH with a GF Score™ of 40/100. The stock has 7 warning signs investors should review. Among 1,609 Banks companies, CIB Marine Bancshares ranks better than 74.64% on this metric.

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

CIB Marine Bancshares has No Moat: CIB Marine Bancshares operates in a competitive banking sector with no significant market leadership or proprietary technology. It lacks strong brand strength or 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 CIB Marine Bancshares might have No Moat - Very weak/transient advantages.

CIB Marine Bancshares  (OTCPK:CIBH) 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

CIB Marine Bancshares Moat Score Related Terms

CIBH vs BBBK, NIDB, INFT: Moat Score Comparison

For the Banks - Regional subindustry, CIB Marine 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.

CIB Marine Bancshares Moat Score vs Banks Industry

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

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


CIBH
40GF Score
CIB Marine Bancshares Inc CIBH
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
CIB Marine Bancshares (CIBH) has a Moat Score of 3 as of Aug. 02, 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, CIB Marine Bancshares ranks #408 out of 1609 companies in the Banks industry, placing it in the top 25.4%.
Is CIB Marine Bancshares' Moat Score too high?
CIB Marine Bancshares' current Moat Score is 3. Based on the distribution chart, CIB Marine Bancshares ranks #408 out of 1609 companies in the Banks industry, which is above the industry midpoint. Overall, CIB Marine Bancshares has a GF Score™ of 40/100, reflecting its overall financial health beyond just this single metric.
How does CIB Marine Bancshares' Moat Score compare to BBBK and NIDB?
According to the Banks industry distribution chart, CIB Marine Bancshares ranks #408 out of 1609 companies for Moat Score. This puts CIB Marine 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. CIB Marine 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 CIB Marine Bancshares stock overvalued right now?
CIB Marine Bancshares (CIBH) has a current Moat Score of 3. The current Moat Score is 3. CIB Marine Bancshares' overall GF Score™ is 40/100 with 7 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 CIB Marine Bancshares (CIBH), the current Moat Score is 3 as of Aug. 02, 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.

CIB Marine Bancshares Business Description

Address 19601 West Bluemound Road, Brookfield, WI, USA, 53045
CIB Marine Bancshares Inc is a financial service holding company. It provides a full range of banking and related services through its banking subsidiary. The primary sources of revenue are predominantly from loans to small and middle-market business customers, investments in securities, and mortgage banking activity. The Bank also offers a range of deposits and other financial products to its customers. Its offices and, generally, customers are in the central and northeastern Illinois, Milwaukee, and Indianapolis markets.
40GF Score

Get the complete analysis for CIBH

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

$41.99
Price