North Pacific Bank (FRA:2PT) Moat Score: 0/10 (As of Jul. 04, 2026)


FRA:2PT North Pacific Bank Ltd FRA:2PT
63 GF Score
Price €5.55
GF Value €3.80
! 6 Warning Signs
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What is North Pacific Bank Moat Score?

North Pacific Bank has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

North Pacific 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 North Pacific Bank might have No Moat - No discernible moat.

North Pacific Bank  (FRA:2PT) 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

North Pacific Bank Moat Score Related Terms

FRA:2PT
63GF Score
North Pacific Bank Ltd FRA:2PT
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is North Pacific Bank (FRA:2PT) Overvalued in 2026?

Based on GuruFocus' analysis, North Pacific Bank stock appears to be overvalued. The current stock price of €5.55 is trading 46.1% above its estimated GF Value™ of €3.80.

Key valuation signals for FRA:2PT:

  • Moat Score: 0
  • GF Value™: €3.80 vs. price of €5.55 (46.1% above fair value)
  • GF Score™: 63/100 with 6 warning signs

No single metric tells the full story. See the FRA:2PT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

North Pacific Bank Business Description

Other Exchanges 8524:Japan
Address 7, Odori Nishi 3-chome, Chuo-Ku, Sapporo, JPN, 060-8661
North Pacific Bank Ltd is engaged in the provision of banking products and services. The firm offers time deposit, reserve deposit, government/ public bonds, asset management support services, smartphone-based services, including real-time updates on account balances and transactions, including deposits and withdrawals, along with cashless payment based on QR codes.
63GF Score

Get the complete analysis for FRA:2PT

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

€5.55
Price
€3.80
GF Value