Erste Bank Polska (FRA:BZI) Moat Score: 5/10 (As of Jul. 06, 2026)


FRA:BZI Erste Bank Polska SA FRA:BZI
65 GF Score
Price €152.20
GF Value €118.08
Valuation Modestly Overvalued
! 9 Warning Signs
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What is Erste Bank Polska Moat Score?

Erste Bank Polska FRA:BZI +1.77% 65 Moat Score is 5 as of Jul. 06, 2026. GuruFocus rates FRA:BZI with a GF Score™ of 65/100 and a GF Value™ of €118.08 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 1,612 Banks companies, Erste Bank Polska ranks better than 94.04% on this metric.

Erste Bank Polska has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Erste Bank Polska has Narrow Moat: Erste Bank Polska SA has a solid narrow moat due to its established market presence and customer loyalty in Poland. It benefits from some regulatory barriers and a strong distribution network, but lacks significant intellectual property or pricing power to elevate it to a wide moat.

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 Erste Bank Polska might have Narrow Moat - Solid narrow moat.

Erste Bank Polska  (FRA:BZI) 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

Erste Bank Polska Moat Score Related Terms

FRA:BZI vs PNC: Moat Score Comparison

For the Banks - Regional subindustry, Erste Bank Polska'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.

Erste Bank Polska Moat Score vs Banks Industry

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

* The bar in red indicates where Erste Bank Polska's Moat Score falls into.


FRA:BZI
65GF Score
Erste Bank Polska SA FRA:BZI
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 5 mean?
Erste Bank Polska (FRA:BZI) has a Moat Score of 5 as of Jul. 06, 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, Erste Bank Polska ranks #96 out of 1612 companies in the Banks industry, placing it in the top 6%.
Is Erste Bank Polska's Moat Score too high?
Erste Bank Polska's current Moat Score is 5. Based on the distribution chart, Erste Bank Polska ranks #96 out of 1612 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Erste Bank Polska has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Erste Bank Polska's Moat Score compare to PNC?
According to the Banks industry distribution chart, Erste Bank Polska ranks #96 out of 1612 companies for Moat Score. This places Erste Bank Polska in the top 6% 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. Erste Bank Polska's current Moat Score is 5. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Erste Bank Polska stock overvalued right now?
Based on GuruFocus' analysis, Erste Bank Polska (FRA:BZI) is currently considered Modestly Overvalued. The stock's GF Value™ is €118.08, compared to a current price of €152.20 — trading 28.9% above its estimated fair value. The current Moat Score is 5. Erste Bank Polska's overall GF Score™ is 65/100 with 9 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 Erste Bank Polska (FRA:BZI), the current Moat Score is 5 as of Jul. 06, 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 Erste Bank Polska (FRA:BZI) Overvalued in 2026?

Based on GuruFocus' analysis, Erste Bank Polska stock appears to be overvalued. The current stock price of €152.20 is trading 28.9% above its estimated GF Value™ of €118.08. GuruFocus considers Erste Bank Polska to be Modestly Overvalued.

Key valuation signals for FRA:BZI:

  • Moat Score: 5
  • GF Value™: €118.08 vs. price of €152.20 (28.9% above fair value)
  • GF Score™: 65/100 with 9 warning signs

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

Erste Bank Polska Business Description

Other Exchanges BKZHY:USAEBP:Poland
Address Plac Europejski 3A, Warszawa, POL, 00-854
Erste Bank Polska SA is a commercial bank. It provides financial products and services such as Personal accounts, Payment cards, Loans, Savings and investments, and products for overseas customers.
65GF Score

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

€152.20
Price
€118.08
GF Value