HMLN (Hamlin Bank and Trust Co) Moat Score: 4/10 (As of Jun. 29, 2026)


HMLN Hamlin Bank and Trust Co HMLN
71 GF Score
Price $240.00
GF Value $273.02
Valuation Modestly Undervalued
! 3 Warning Signs
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What is Hamlin Bank and Trust Co Moat Score?

Hamlin Bank and Trust Co HMLN 71 Moat Score is 4 as of Jun. 29, 2026. GuruFocus rates HMLN with a GF Score™ of 71/100 and a GF Value™ of $273.02 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,614 Banks companies, Hamlin Bank and Trust Co ranks better than 86.25% on this metric.

Hamlin Bank and Trust Co has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Hamlin Bank and Trust Co has Narrow Moat: Hamlin Bank and Trust Co has a discernible but modest moat due to its local market presence and customer relationships. However, it lacks significant network effects, intellectual property, or regulatory barriers to ensure a stronger 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 Hamlin Bank and Trust Co might have Narrow Moat - Discernible but modest moat.

Hamlin Bank and Trust Co  (OTCPK:HMLN) 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

Hamlin Bank and Trust Co Moat Score Related Terms

HMLN vs SOBS, BKOR, EDVR: Moat Score Comparison

For the Banks - Regional subindustry, Hamlin Bank and Trust Co'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.

Hamlin Bank and Trust Co Moat Score vs Banks Industry

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

* The bar in red indicates where Hamlin Bank and Trust Co's Moat Score falls into.


HMLN
71GF Score
Hamlin Bank and Trust Co HMLN
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?
Hamlin Bank and Trust Co (HMLN) has a Moat Score of 4 as of Jun. 29, 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, Hamlin Bank and Trust Co ranks #222 out of 1614 companies in the Banks industry, placing it in the top 13.8%.
Is Hamlin Bank and Trust Co's Moat Score too high?
Hamlin Bank and Trust Co's current Moat Score is 4. Based on the distribution chart, Hamlin Bank and Trust Co ranks #222 out of 1614 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Hamlin Bank and Trust Co has a GF Score™ of 71/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Hamlin Bank and Trust Co's Moat Score compare to SOBS and BKOR?
According to the Banks industry distribution chart, Hamlin Bank and Trust Co ranks #222 out of 1614 companies for Moat Score. This places Hamlin Bank and Trust Co 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. Hamlin Bank and Trust Co'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 Hamlin Bank and Trust Co stock overvalued right now?
Based on GuruFocus' analysis, Hamlin Bank and Trust Co (HMLN) is currently considered Modestly Undervalued. The stock's GF Value™ is $273.02, compared to a current price of $240.00 — trading 12.1% below its estimated fair value. The current Moat Score is 4. Hamlin Bank and Trust Co's overall GF Score™ is 71/100 with 3 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 Hamlin Bank and Trust Co (HMLN), the current Moat Score is 4 as of Jun. 29, 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 Hamlin Bank and Trust Co (HMLN) Overvalued in 2026?

Based on GuruFocus' analysis, Hamlin Bank and Trust Co stock appears to be undervalued. The current stock price of $240.00 is trading 12.1% below its estimated GF Value™ of $273.02. GuruFocus considers Hamlin Bank and Trust Co to be Modestly Undervalued.

Key valuation signals for HMLN:

  • Moat Score: 4
  • GF Value™: $273.02 vs. price of $240.00 (12.1% below fair value)
  • GF Score™: 71/100 with 3 warning signs

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

Hamlin Bank and Trust Co Business Description

Address 333 West Main Street, PO Box 367, Smethport, PA, USA, 16749
Hamlin Bank and Trust Co are a United States-based state charted commercial bank. It offers a variety of financial and trust services. The company provides services such as personal banking services, business banking services, trust services, and other banking services. The Banks principal sources of revenue emanate from its portfolio of residential real estate, commercial mortgage, commercial, and consumer loans, as well as interest on investment securities and a variety of deposit and trust services provided to its customers.
71GF Score

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

$240.00
Price
$273.02
GF Value