IBWC (IBW Financial) Moat Score: 4/10 (As of Jun. 24, 2026)


IBWC IBW Financial Corp IBWC
51 GF Score
Price $48.00
GF Value $29.18
Valuation Significantly Overvalued
! 7 Warning Signs
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What is IBW Financial Moat Score?

IBW Financial IBWC +1.05% 51 Moat Score is 4 as of Jun. 24, 2026. GuruFocus rates IBWC with a GF Score™ of 51/100 and a GF Value™ of $29.18 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,610 Banks companies, IBW Financial ranks better than 86.15% on this metric.

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

IBW Financial has Narrow Moat: IBW Financial Corp has a modest moat due to its regional market presence and customer relationships. However, it lacks significant network effects, intellectual property, or pricing power to elevate it beyond a narrow moat classification.

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 IBW Financial might have Narrow Moat - Discernible but modest moat.

IBW Financial  (OTCPK:IBWC) 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

IBW Financial Moat Score Related Terms

IBWC vs CDAB, CNBZ, AMFC: Moat Score Comparison

For the Banks - Regional subindustry, IBW Financial'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.

IBW Financial Moat Score vs Banks Industry

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

* The bar in red indicates where IBW Financial's Moat Score falls into.


IBWC
51GF Score
IBW Financial Corp IBWC
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?
IBW Financial (IBWC) has a Moat Score of 4 as of Jun. 24, 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, IBW Financial ranks #223 out of 1610 companies in the Banks industry, placing it in the top 13.9%.
Is IBW Financial's Moat Score too high?
IBW Financial's current Moat Score is 4. Based on the distribution chart, IBW Financial ranks #223 out of 1610 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, IBW Financial has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does IBW Financial's Moat Score compare to CDAB and CNBZ?
According to the Banks industry distribution chart, IBW Financial ranks #223 out of 1610 companies for Moat Score. This places IBW Financial 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. IBW Financial'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 IBW Financial stock overvalued right now?
Based on GuruFocus' analysis, IBW Financial (IBWC) is currently considered Significantly Overvalued. The stock's GF Value™ is $29.18, compared to a current price of $48.00 — trading 64.5% above its estimated fair value. The current Moat Score is 4. IBW Financial's overall GF Score™ is 51/100 with 7 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 IBW Financial (IBWC), the current Moat Score is 4 as of Jun. 24, 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 IBW Financial (IBWC) Overvalued in 2026?

Based on GuruFocus' analysis, IBW Financial stock appears to be overvalued. The current stock price of $48.00 is trading 64.5% above its estimated GF Value™ of $29.18. GuruFocus considers IBW Financial to be Significantly Overvalued.

Key valuation signals for IBWC:

  • Moat Score: 4
  • GF Value™: $29.18 vs. price of $48.00 (64.5% above fair value)
  • GF Score™: 51/100 with 7 warning signs

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

IBW Financial Business Description

Address 4812 Georgia Avenue NW, Washington, DC, USA, 20011-4113
IBW Financial Corp is a bank holding company. Through its banking subsidiary, it is engaged in offering a broad range of banking products, including a full line of business and personal savings and certificates of deposit, and other banking services. It also funds a variety of loan types, including commercial term loans and residential real estate loans, lines of credit, consumer loans, and letters of credit. The company's customers are mainly individuals and small businesses. Geographically, its primary market areas are in the District of Columbia and surrounding areas.
51GF Score

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

$48.00
Price
$29.18
GF Value