ISDAY (Israel Discount Bank) Moat Score: 5/10 (As of Jun. 25, 2026)


ISDAY Israel Discount Bank Ltd ISDAY
67 GF Score
Price $95.96
GF Value $106.18
Valuation Modestly Undervalued
! 6 Warning Signs
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What is Israel Discount Bank Moat Score?

Israel Discount Bank ISDAY +1.28% 67 Moat Score is 5 as of Jun. 25, 2026. GuruFocus rates ISDAY with a GF Score™ of 67/100 and a GF Value™ of $106.18 (Modestly Undervalued). The stock has 6 warning signs investors should review. Among 1,610 Banks companies, Israel Discount Bank ranks better than 93.98% on this metric.

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

Israel Discount Bank has Narrow Moat: Israel Discount Bank has a solid narrow moat due to its established presence in the Israeli banking sector and customer loyalty. However, it faces competition from larger banks and lacks significant international market share.

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 Israel Discount Bank might have Narrow Moat - Solid narrow moat.

Israel Discount Bank  (OTCPK:ISDAY) 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

Israel Discount Bank Moat Score Related Terms

ISDAY vs PNC: Moat Score Comparison

For the Banks - Regional subindustry, Israel Discount 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.

Israel Discount Bank Moat Score vs Banks Industry

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

* The bar in red indicates where Israel Discount Bank's Moat Score falls into.


ISDAY
67GF Score
Israel Discount Bank Ltd ISDAY
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?
Israel Discount Bank (ISDAY) has a Moat Score of 5 as of Jun. 25, 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, Israel Discount Bank ranks #97 out of 1610 companies in the Banks industry, placing it in the top 6%.
Is Israel Discount Bank's Moat Score too high?
Israel Discount Bank's current Moat Score is 5. Based on the distribution chart, Israel Discount Bank ranks #97 out of 1610 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Israel Discount Bank has a GF Score™ of 67/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Israel Discount Bank's Moat Score compare to PNC?
According to the Banks industry distribution chart, Israel Discount Bank ranks #97 out of 1610 companies for Moat Score. This places Israel Discount Bank 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. Israel Discount Bank'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 Israel Discount Bank stock overvalued right now?
Based on GuruFocus' analysis, Israel Discount Bank (ISDAY) is currently considered Modestly Undervalued. The stock's GF Value™ is $106.18, compared to a current price of $95.96 — trading 9.6% below its estimated fair value. The current Moat Score is 5. Israel Discount Bank's overall GF Score™ is 67/100 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 Israel Discount Bank (ISDAY), the current Moat Score is 5 as of Jun. 25, 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 Israel Discount Bank (ISDAY) Overvalued in 2026?

Based on GuruFocus' analysis, Israel Discount Bank stock appears to be undervalued. The current stock price of $95.96 is trading 9.6% below its estimated GF Value™ of $106.18. GuruFocus considers Israel Discount Bank to be Modestly Undervalued.

Key valuation signals for ISDAY:

  • Moat Score: 5
  • GF Value™: $106.18 vs. price of $95.96 (9.6% below fair value)
  • GF Score™: 67/100 with 6 warning signs

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

Israel Discount Bank Business Description

Other Exchanges ISDAF:USADSCT:Israel
Address 23 Yehuda Halevi Street, Tel Aviv, ISR, 65136
Israel Discount Bank Ltd and its subsidiaries engage in banking and financial services. The bank is headquartered in Israel and earns the majority of its revenue domestically. The bank operates through several segments organized by customer type, including Households, Private Banking, Small and minute businesses, Medium businesses, Large businesses, Institutional bodies, Financial management, and Other Segment.
67GF Score

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

$95.96
Price
$106.18
GF Value