EBSH (Empire Bancshares) Moat Score: 2/10 (As of Aug. 02, 2026)

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EBSH Empire Bancshares Inc EBSH
52 GF Score
Price $41.63
GF Value $23.52
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Empire Bancshares Moat Score?

Empire Bancshares EBSH 52 Moat Score is 2 as of Aug. 02, 2026. GuruFocus rates EBSH with a GF Score™ of 52/100 and a GF Value™ of $23.52 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,609 Banks companies, Empire Bancshares ranks better than 60.04% on this metric.

Empire Bancshares has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

Empire Bancshares has No Moat: Empire Bancshares Inc has a very weak moat. It operates in a highly competitive banking sector with minimal differentiation. It lacks significant market share, brand strength, or unique cost advantages, making its competitive position vulnerable.

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 Empire Bancshares might have No Moat - Very weak/transient advantages.

Empire Bancshares  (OTCPK:EBSH) 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

Empire Bancshares Moat Score Related Terms

EBSH vs GWBK, MNBO, GTPS: Moat Score Comparison

For the Banks - Regional subindustry, Empire 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.

Empire Bancshares Moat Score vs Banks Industry

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

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


EBSH
52GF Score
Empire Bancshares Inc EBSH
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 2 mean?
Empire Bancshares (EBSH) has a Moat Score of 2 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, Empire Bancshares ranks #643 out of 1609 companies in the Banks industry, placing it in the top 40%.
Is Empire Bancshares' Moat Score too high?
Empire Bancshares' current Moat Score is 2. Based on the distribution chart, Empire Bancshares ranks #643 out of 1609 companies in the Banks industry, which is above the industry midpoint. Overall, Empire Bancshares has a GF Score™ of 52/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Empire Bancshares' Moat Score compare to GWBK and MNBO?
According to the Banks industry distribution chart, Empire Bancshares ranks #643 out of 1609 companies for Moat Score. This puts Empire 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. Empire Bancshares's current Moat Score is 2. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Empire Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Empire Bancshares (EBSH) is currently considered Significantly Overvalued. The stock's GF Value™ is $23.52, compared to a current price of $41.63 — trading 77% above its estimated fair value. The current Moat Score is 2. Empire Bancshares' overall GF Score™ is 52/100 with 5 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 Empire Bancshares (EBSH), the current Moat Score is 2 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.

Is Empire Bancshares (EBSH) Overvalued in 2026?

Based on GuruFocus' analysis, Empire Bancshares stock appears to be overvalued. The current stock price of $41.63 is trading 77% above its estimated GF Value™ of $23.52. GuruFocus considers Empire Bancshares to be Significantly Overvalued.

Key valuation signals for EBSH:

  • Moat Score: 2
  • GF Value™: $23.52 vs. price of $41.63 (77% above fair value)
  • GF Score™: 52/100 with 5 warning signs

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

Empire Bancshares Business Description

Address 144 E. High Street, PO Box 283, Hicksville, OH, USA, 43526
Empire Bancshares Inc, through its subsidiary, is engaged in providing banking products and services. The Bank's principal services include accepting deposits and making loans. Loan and deposit customers are mainly located in northwestern Ohio and northeastern Indiana, and include a wide range of individuals, businesses, and other organizations. A portion of loans is secured by various forms of collateral, including real estate, business assets, consumer property, and other items, although borrower cash flow is generally the primary source of repayment.
52GF Score

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

$41.63
Price
$23.52
GF Value