National Credit and Commerce Bank (DHA:NCCBANK) Moat Score: 0/10 (As of Jul. 18, 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.
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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.

DHA:NCCBANK National Credit and Commerce Bank PLC DHA:NCCBANK
79 GF Score
Price BDT15.60
GF Value BDT13.42
Valuation Modestly Overvalued
! 4 Warning Signs
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What is National Credit and Commerce Bank Moat Score?

National Credit and Commerce Bank has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

National Credit and Commerce Bank has

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 National Credit and Commerce Bank might have No Moat - No discernible moat.

National Credit and Commerce Bank  (DHA:NCCBANK) 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

National Credit and Commerce Bank Moat Score Related Terms

DHA:NCCBANK
79GF Score
National Credit and Commerce Bank PLC DHA:NCCBANK
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is National Credit and Commerce Bank (DHA:NCCBANK) Overvalued in 2026?

Based on GuruFocus' analysis, National Credit and Commerce Bank stock appears to be overvalued. The current stock price of BDT15.60 is trading 16.2% above its estimated GF Value™ of BDT13.42. GuruFocus considers National Credit and Commerce Bank to be Modestly Overvalued.

Key valuation signals for DHA:NCCBANK:

  • Moat Score: 0
  • GF Value™: BDT13.42 vs. price of BDT15.60 (16.2% above fair value)
  • GF Score™: 79/100 with 4 warning signs

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

National Credit and Commerce Bank Business Description

Address 13/1 - 13/2, Toyenbee Circular Road, Motijheel Commercial Area, NCC Bank Bhaban, Dhaka, BGD, 1000
National Credit and Commerce Bank PLC is a commercial bank in Bangladesh. The principal activities of the company are loans and deposit services, personal and commercial banking, trade services, and others to the customers. The company offers a range of services such as Retail Banking, Corporate Banking, NRB banking, and E-banking, among others.
79GF Score

Get the complete analysis for DHA:NCCBANK

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

BDT15.60
Price
BDT13.42
GF Value