CRCBY (Chongqing Rural Commercial Bank Co) Moat Score: 6/10 (As of Jun. 25, 2026)


CRCBY Chongqing Rural Commercial Bank Co Ltd CRCBY
64 GF Score
Price $39.00
GF Value $28.87
! 4 Warning Signs
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What is Chongqing Rural Commercial Bank Co Moat Score?

Chongqing Rural Commercial Bank Co CRCBY 64 Moat Score is 6 as of Jun. 25, 2026. GuruFocus rates CRCBY with a GF Score™ of 64/100 and a GF Value™ of $28.87. The stock has 4 warning signs investors should review. Among 1,609 Banks companies, Chongqing Rural Commercial Bank Co ranks better than 97.76% on this metric.

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

Chongqing Rural Commercial Bank Co has Narrow Moat: Chongqing Rural Commercial Bank has a strong regional presence and benefits from regulatory barriers in the banking sector. It has a solid customer base and some pricing power, but lacks global brand strength and network effects.

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 Chongqing Rural Commercial Bank Co might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Chongqing Rural Commercial Bank Co  (OTCPK:CRCBY) 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

Chongqing Rural Commercial Bank Co Moat Score Related Terms

Chongqing Rural Commercial Bank Co Moat Score Competitor Comparison

For the Banks - Regional subindustry, Chongqing Rural Commercial Bank Co'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.

Chongqing Rural Commercial Bank Co Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Chongqing Rural Commercial Bank Co's Moat Score distribution charts can be found below:

* The bar in red indicates where Chongqing Rural Commercial Bank Co's Moat Score falls into.


CRCBY
64GF Score
Chongqing Rural Commercial Bank Co Ltd CRCBY
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?
Chongqing Rural Commercial Bank Co (CRCBY) has a Moat Score of 6 as of Jun. 25, 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, Chongqing Rural Commercial Bank Co ranks #36 out of 1609 companies in the Banks industry, placing it in the top 2.2%.
Is Chongqing Rural Commercial Bank Co's Moat Score too high?
Chongqing Rural Commercial Bank Co's current Moat Score is 6. Based on the distribution chart, Chongqing Rural Commercial Bank Co ranks #36 out of 1609 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Chongqing Rural Commercial Bank Co has a GF Score™ of 64/100, reflecting its overall financial health beyond just this single metric.
How does Chongqing Rural Commercial Bank Co's Moat Score compare to competitors?
According to the Banks industry distribution chart, Chongqing Rural Commercial Bank Co ranks #36 out of 1609 companies for Moat Score. This places Chongqing Rural Commercial Bank Co 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. Chongqing Rural Commercial Bank Co'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 Chongqing Rural Commercial Bank Co stock overvalued right now?
Chongqing Rural Commercial Bank Co (CRCBY) has a current Moat Score of 6. The stock's GF Value™ is $28.87, compared to a current price of $39.00 — trading 35.1% above its estimated fair value. The current Moat Score is 6. Chongqing Rural Commercial Bank Co's overall GF Score™ is 64/100 with 4 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 Chongqing Rural Commercial Bank Co (CRCBY), the current Moat Score is 6 as of Jun. 25, 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 Chongqing Rural Commercial Bank Co (CRCBY) Overvalued in 2026?

Based on GuruFocus' analysis, Chongqing Rural Commercial Bank Co stock appears to be overvalued. The current stock price of $39.00 is trading 35.1% above its estimated GF Value™ of $28.87.

Key valuation signals for CRCBY:

  • Moat Score: 6
  • GF Value™: $28.87 vs. price of $39.00 (35.1% above fair value)
  • GF Score™: 64/100 with 4 warning signs

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

Chongqing Rural Commercial Bank Co Business Description

Other Exchanges 03618:Hong Kong601077:China
Address No. 36 Jinshamen Road, Jiangbei District, Chongqing, CHN, 400023
Chongqing Rural Commercial Bank Co Ltd provides a range of banking and related services in China. The company operates in three segments: Corporate banking, which includes corporate loans, trade financing, deposit takings, financial leasing, and other services; Personal banking segment includes personal loans, deposit products, card business, personal wealth management services, and other services; and Financial market operations, which conducts money market or repurchase transactions and debt instruments investment. Its geographical segments are the County Area and Urban Area.
64GF Score

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

$39.00
Price
$28.87
GF Value