California BanCorp (FRA:KZ9) Moat Score: 3/10 (As of Jul. 14, 2026)

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FRA:KZ9 California BanCorp FRA:KZ9
59 GF Score
Price €17.50
GF Value €13.60
! 5 Warning Signs
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What is California BanCorp Moat Score?

California BanCorp FRA:KZ9 +4.17% 59 Moat Score is 3 as of Jul. 14, 2026. GuruFocus rates FRA:KZ9 with a GF Score™ of 59/100 and a GF Value™ of €13.60. The stock has 5 warning signs investors should review. Among 1,613 Banks companies, California BanCorp ranks better than 74.52% on this metric.

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

California BanCorp has No Moat: California BanCorp operates in a competitive banking sector with limited market share and brand strength. It lacks significant customer switching costs, proprietary technology, or regulatory barriers, resulting in a very weak competitive position.

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 California BanCorp might have No Moat - Very weak/transient advantages.

California BanCorp  (FRA:KZ9) 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

California BanCorp Moat Score Related Terms

FRA:KZ9 vs PFIS, THVB, TCBX: Moat Score Comparison

For the Banks - Regional subindustry, California 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.

California BanCorp Moat Score vs Banks Industry

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

* The bar in red indicates where California BanCorp's Moat Score falls into.


FRA:KZ9
59GF Score
California BanCorp FRA:KZ9
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?
California BanCorp (FRA:KZ9) has a Moat Score of 3 as of Jul. 14, 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, California BanCorp ranks #411 out of 1613 companies in the Banks industry, placing it in the top 25.5%.
Is California BanCorp's Moat Score too high?
California BanCorp's current Moat Score is 3. Based on the distribution chart, California BanCorp ranks #411 out of 1613 companies in the Banks industry, which is above the industry midpoint. Overall, California BanCorp has a GF Score™ of 59/100, reflecting its overall financial health beyond just this single metric.
How does California BanCorp's Moat Score compare to PFIS and THVB?
According to the Banks industry distribution chart, California BanCorp ranks #411 out of 1613 companies for Moat Score. This puts California 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. California 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 California BanCorp stock overvalued right now?
California BanCorp (FRA:KZ9) has a current Moat Score of 3. The stock's GF Value™ is €13.60, compared to a current price of €17.50 — trading 28.7% above its estimated fair value. The current Moat Score is 3. California BanCorp's overall GF Score™ is 59/100 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 California BanCorp (FRA:KZ9), the current Moat Score is 3 as of Jul. 14, 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 California BanCorp (FRA:KZ9) Overvalued in 2026?

Based on GuruFocus' analysis, California BanCorp stock appears to be overvalued. The current stock price of €17.50 is trading 28.7% above its estimated GF Value™ of €13.60.

Key valuation signals for FRA:KZ9:

  • Moat Score: 3
  • GF Value™: €13.60 vs. price of €17.50 (28.7% above fair value)
  • GF Score™: 59/100 with 5 warning signs

No single metric tells the full story. See the FRA:KZ9 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

California BanCorp Business Description

Other Exchanges BCAL:USA
Address 12265 El Camino Real, Suite 210, San Diego, CA, USA, 92130
California BanCorp is a relationship-focused community bank offering commercial loan and deposit products, along with other services delivered directly or through strategic alliances, to business and individual customers in its target markets. The Company provides financial products and services to individuals, professionals, and small to medium-sized businesses through its branch and commercial banking offices serving California. Its lending products consist mainly of construction and land development loans, real estate loans, C&I loans, and consumer loans, and it is a Preferred SBA Lender, while its deposit products consist mainly of demand deposit, money market, and certificates of deposit. The Company operates in one reportable segment, commercial banking.
59GF Score

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

€17.50
Price
€13.60
GF Value