KISB (Kish Bancorp) Moat Score: 3/10 (As of Jul. 02, 2026)


KISB Kish Bancorp Inc KISB
56 GF Score
Price $66.94
GF Value $40.83
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Kish Bancorp Moat Score?

Kish Bancorp KISB 56 Moat Score is 3 as of Jul. 02, 2026. GuruFocus rates KISB with a GF Score™ of 56/100 and a GF Value™ of $40.83 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,612 Banks companies, Kish Bancorp ranks better than 74.5% on this metric.

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

Kish Bancorp has No Moat: Kish Bancorp operates in a highly competitive regional banking market with limited differentiation. It lacks significant network effects, customer switching costs, or proprietary technology. The company does not possess a strong brand or significant regulatory barriers that would provide a durable competitive advantage.

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

Kish Bancorp  (OTCPK:KISB) 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

Kish Bancorp Moat Score Related Terms

KISB vs PSBQ, LARK, CFBK: Moat Score Comparison

For the Banks - Regional subindustry, Kish 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.

Kish Bancorp Moat Score vs Banks Industry

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

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


KISB
56GF Score
Kish Bancorp Inc KISB
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?
Kish Bancorp (KISB) has a Moat Score of 3 as of Jul. 02, 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, Kish Bancorp ranks #411 out of 1612 companies in the Banks industry, placing it in the top 25.5%.
Is Kish Bancorp's Moat Score too high?
Kish Bancorp's current Moat Score is 3. Based on the distribution chart, Kish Bancorp ranks #411 out of 1612 companies in the Banks industry, which is above the industry midpoint. Overall, Kish Bancorp has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Kish Bancorp's Moat Score compare to PSBQ and LARK?
According to the Banks industry distribution chart, Kish Bancorp ranks #411 out of 1612 companies for Moat Score. This puts Kish 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. Kish 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 Kish Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Kish Bancorp (KISB) is currently considered Significantly Overvalued. The stock's GF Value™ is $40.83, compared to a current price of $66.94 — trading 63.9% above its estimated fair value. The current Moat Score is 3. Kish Bancorp's overall GF Score™ is 56/100 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 Kish Bancorp (KISB), the current Moat Score is 3 as of Jul. 02, 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 Kish Bancorp (KISB) Overvalued in 2026?

Based on GuruFocus' analysis, Kish Bancorp stock appears to be overvalued. The current stock price of $66.94 is trading 63.9% above its estimated GF Value™ of $40.83. GuruFocus considers Kish Bancorp to be Significantly Overvalued.

Key valuation signals for KISB:

  • Moat Score: 3
  • GF Value™: $40.83 vs. price of $66.94 (63.9% above fair value)
  • GF Score™: 56/100 with 7 warning signs

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

Kish Bancorp Business Description

Address 4255 East Main Street, P.O. Box 917, Belleville, PA, USA, 17004
Kish Bancorp Inc is a diversified financial services organization whose principal activity is the ownership and management of its subsidiaries. The company generates commercial and industrial, agricultural, commercial mortgage, residential real estate, and consumer loans and deposit services to its customers located in central Pennsylvania and the surrounding areas. It operates under a Pennsylvania Department of Banking and Securities bank charter and provides full banking services. It also provides insurance products and services, and provides travel services to its customers.
56GF Score

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$66.94
Price
$40.83
GF Value