JTNB (JTNB Bancorp) Moat Score: 3/10 (As of Jul. 30, 2026)

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JTNB JTNB Bancorp Inc JTNB
62 GF Score
Price $21.00
GF Value $15.25
Valuation Significantly Overvalued
! 4 Warning Signs
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What is JTNB Bancorp Moat Score?

JTNB Bancorp JTNB +0.48% 62 Moat Score is 3 as of Jul. 30, 2026. GuruFocus rates JTNB with a GF Score™ of 62/100 and a GF Value™ of $15.25 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,609 Banks companies, JTNB Bancorp ranks better than 74.64% on this metric.

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

JTNB Bancorp has No Moat: JTNB Bancorp Inc has very weak competitive advantages. It operates in a competitive banking sector with low switching costs and lacks significant regulatory barriers or intellectual property.

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 JTNB Bancorp might have No Moat - Very weak/transient advantages.

JTNB Bancorp  (OTCPK:JTNB) 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

JTNB Bancorp Moat Score Related Terms

JTNB vs FIDS, MSBB, TCNB: Moat Score Comparison

For the Banks - Regional subindustry, JTNB 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.

JTNB Bancorp Moat Score vs Banks Industry

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

* The bar in red indicates where JTNB Bancorp's Moat Score falls into.


JTNB
62GF Score
JTNB Bancorp Inc JTNB
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?
JTNB Bancorp (JTNB) has a Moat Score of 3 as of Jul. 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, JTNB Bancorp ranks #408 out of 1609 companies in the Banks industry, placing it in the top 25.4%.
Is JTNB Bancorp's Moat Score too high?
JTNB Bancorp's current Moat Score is 3. Based on the distribution chart, JTNB Bancorp ranks #408 out of 1609 companies in the Banks industry, which is above the industry midpoint. Overall, JTNB Bancorp has a GF Score™ of 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does JTNB Bancorp's Moat Score compare to FIDS and MSBB?
According to the Banks industry distribution chart, JTNB Bancorp ranks #408 out of 1609 companies for Moat Score. This puts JTNB 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. JTNB 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 JTNB Bancorp stock overvalued right now?
Based on GuruFocus' analysis, JTNB Bancorp (JTNB) is currently considered Significantly Overvalued. The stock's GF Value™ is $15.25, compared to a current price of $21.00 — trading 37.7% above its estimated fair value. The current Moat Score is 3. JTNB Bancorp's overall GF Score™ is 62/100 with 4 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 JTNB Bancorp (JTNB), the current Moat Score is 3 as of Jul. 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 JTNB Bancorp (JTNB) Overvalued in 2026?

Based on GuruFocus' analysis, JTNB Bancorp stock appears to be overvalued. The current stock price of $21.00 is trading 37.7% above its estimated GF Value™ of $15.25. GuruFocus considers JTNB Bancorp to be Significantly Overvalued.

Key valuation signals for JTNB:

  • Moat Score: 3
  • GF Value™: $15.25 vs. price of $21.00 (37.7% above fair value)
  • GF Score™: 62/100 with 4 warning signs

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

JTNB Bancorp Business Description

Address 12 Broadway, P.O. Box 209, Jim Thorpe, PA, USA, 18229
JTNB Bancorp Inc operates as a commercial bank that offers various banking and financial products and services for individuals and small businesses. The bank offers services such as checking and savings facilities, mortgage loans, consumer loans, debit cards, credit cards, online banking, commercial loans, merchant processing, and others.
62GF Score

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

$21.00
Price
$15.25
GF Value