HACBY (Hachijuni Nagano Bank) Moat Score: 4/10 (As of Jun. 30, 2026)


HACBY Hachijuni Nagano Bank Ltd HACBY
56 GF Score
Price $27.21
GF Value $18.50
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Hachijuni Nagano Bank Moat Score?

Hachijuni Nagano Bank HACBY 56 Moat Score is 4 as of Jun. 30, 2026. GuruFocus rates HACBY with a GF Score™ of 56/100 and a GF Value™ of $18.50 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,613 Banks companies, Hachijuni Nagano Bank ranks better than 86.24% on this metric.

Hachijuni Nagano Bank has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Hachijuni Nagano Bank has Narrow Moat: Hachijuni Nagano Bank has a modest moat due to its regional market presence and customer relationships. However, it faces significant competition and lacks strong differentiation in terms of technology or brand strength.

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 Hachijuni Nagano Bank might have Narrow Moat - Discernible but modest moat.

Hachijuni Nagano Bank  (OTCPK:HACBY) 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

Hachijuni Nagano Bank Moat Score Related Terms

Hachijuni Nagano Bank Moat Score Competitor Comparison

For the Banks - Regional subindustry, Hachijuni Nagano Bank'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.

Hachijuni Nagano Bank Moat Score vs Banks Industry

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

* The bar in red indicates where Hachijuni Nagano Bank's Moat Score falls into.


HACBY
56GF Score
Hachijuni Nagano Bank Ltd HACBY
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 4 mean?
Hachijuni Nagano Bank (HACBY) has a Moat Score of 4 as of Jun. 30, 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, Hachijuni Nagano Bank ranks #222 out of 1613 companies in the Banks industry, placing it in the top 13.8%.
Is Hachijuni Nagano Bank's Moat Score too high?
Hachijuni Nagano Bank's current Moat Score is 4. Based on the distribution chart, Hachijuni Nagano Bank ranks #222 out of 1613 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Hachijuni Nagano Bank has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hachijuni Nagano Bank's Moat Score compare to competitors?
According to the Banks industry distribution chart, Hachijuni Nagano Bank ranks #222 out of 1613 companies for Moat Score. This places Hachijuni Nagano Bank in the top 14% 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. Hachijuni Nagano Bank's current Moat Score is 4. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hachijuni Nagano Bank stock overvalued right now?
Based on GuruFocus' analysis, Hachijuni Nagano Bank (HACBY) is currently considered Significantly Overvalued. The stock's GF Value™ is $18.50, compared to a current price of $27.21 — trading 47.1% above its estimated fair value. The current Moat Score is 4. Hachijuni Nagano Bank's overall GF Score™ is 56/100 with 6 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 Hachijuni Nagano Bank (HACBY), the current Moat Score is 4 as of Jun. 30, 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 Hachijuni Nagano Bank (HACBY) Overvalued in 2026?

Based on GuruFocus' analysis, Hachijuni Nagano Bank stock appears to be overvalued. The current stock price of $27.21 is trading 47.1% above its estimated GF Value™ of $18.50. GuruFocus considers Hachijuni Nagano Bank to be Significantly Overvalued.

Key valuation signals for HACBY:

  • Moat Score: 4
  • GF Value™: $18.50 vs. price of $27.21 (47.1% above fair value)
  • GF Score™: 56/100 with 6 warning signs

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

Hachijuni Nagano Bank Business Description

Other Exchanges 8359:Japan
Address 178-8 Okada, Nakagosho, Nagano, JPN, 380-8682
Hachijuni Nagano Bank Ltd is a Japan-based company that is principally engaged in banking. The company is a regional bank, with its business mainly based in Nagano Prefecture. The company's core business segments comprise the leasing business segment and the banking business segment, which encompasses the banking and credit card operations. The company generates the majority of revenue from the banking business segment. The majority of its branches are located in certain areas of Japan, and the firm also has a business presence in overseas markets such as Hong Kong, Dalian, Shanghai, and Bangkok.
56GF Score

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

$27.21
Price
$18.50
GF Value