ECLP (Eclipse Bancorp) Moat Score: 3/10 (As of Jun. 27, 2026)


ECLP Eclipse Bancorp Inc ECLP
8 GF Score
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What is Eclipse Bancorp Moat Score?

Eclipse Bancorp ECLP 8 Moat Score is 3 as of Jun. 27, 2026. GuruFocus rates ECLP with a GF Score™ of 8/100. Among 1,610 Banks companies, Eclipse Bancorp ranks better than 74.41% on this metric.

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

Eclipse Bancorp has No Moat: Eclipse Bancorp Inc lacks significant market leadership or unique competitive advantages. The company does not exhibit strong customer loyalty, significant switching costs, or proprietary technology that would provide a durable competitive edge.

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 Eclipse Bancorp might have No Moat - Very weak/transient advantages.

Eclipse Bancorp  (OTCPK:ECLP) 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

Eclipse Bancorp Moat Score Related Terms

ECLP vs HRBK, MNBO, FPBC: Moat Score Comparison

For the Banks - Regional subindustry, Eclipse Bancorp'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.

Eclipse Bancorp Moat Score vs Banks Industry

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

* The bar in red indicates where Eclipse Bancorp's Moat Score falls into.


ECLP
8GF Score
Eclipse Bancorp Inc ECLP
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 3 mean?
Eclipse Bancorp (ECLP) has a Moat Score of 3 as of Jun. 27, 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, Eclipse Bancorp ranks #412 out of 1610 companies in the Banks industry, placing it in the top 25.6%.
Is Eclipse Bancorp's Moat Score too high?
Eclipse Bancorp's current Moat Score is 3. Based on the distribution chart, Eclipse Bancorp ranks #412 out of 1610 companies in the Banks industry, which is above the industry midpoint. Overall, Eclipse Bancorp has a GF Score™ of 8/100, reflecting its overall financial health beyond just this single metric.
How does Eclipse Bancorp's Moat Score compare to HRBK and MNBO?
According to the Banks industry distribution chart, Eclipse Bancorp ranks #412 out of 1610 companies for Moat Score. This puts Eclipse Bancorp 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. Eclipse Bancorp'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 Eclipse Bancorp stock overvalued right now?
Eclipse Bancorp (ECLP) has a current Moat Score of 3. The current Moat Score is 3. Eclipse Bancorp's overall GF Score™ is 8/100. 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 Eclipse Bancorp (ECLP), the current Moat Score is 3 as of Jun. 27, 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.

Eclipse Bancorp Business Description

Address 13903 Promenade Green Way, Louisville, KY, USA, 40245
Eclipse Bancorp Inc is a bank holding company. The company is engaged in providing different banking and financial services to individual and corporate customers in Louisville, Kentucky, and surrounding areas; Johnson City, Tennessee, and surrounding areas; and Cincinnati, Ohio and surrounding areas.
8GF Score

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