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

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KSBI KS Bancorp Inc KSBI
59 GF Score
Price $79.06
GF Value $72.20
Valuation Fairly Valued
! 2 Warning Signs
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What is KS Bancorp Moat Score?

KS Bancorp KSBI +1.75% 59 Moat Score is 3 as of Jul. 30, 2026. GuruFocus rates KSBI with a GF Score™ of 59/100 and a GF Value™ of $72.20 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,609 Banks companies, KS Bancorp ranks better than 74.64% on this metric.

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

KS Bancorp has No Moat: KS Bancorp operates in a highly competitive banking industry with limited market share and brand strength. It lacks significant customer switching costs, intellectual property, and regulatory advantages, resulting in a weak competitive position.

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

KS Bancorp  (OTCPK:KSBI) 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

KS Bancorp Moat Score Related Terms

KSBI vs CIWV, CZBC, ORPB: Moat Score Comparison

For the Banks - Regional subindustry, KS 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.

KS Bancorp Moat Score vs Banks Industry

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

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


KSBI
59GF Score
KS Bancorp Inc KSBI
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?
KS Bancorp (KSBI) 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, KS Bancorp ranks #408 out of 1609 companies in the Banks industry, placing it in the top 25.4%.
Is KS Bancorp's Moat Score too high?
KS Bancorp's current Moat Score is 3. Based on the distribution chart, KS Bancorp ranks #408 out of 1609 companies in the Banks industry, which is above the industry midpoint. Overall, KS Bancorp has a GF Score™ of 59/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does KS Bancorp's Moat Score compare to CIWV and CZBC?
According to the Banks industry distribution chart, KS Bancorp ranks #408 out of 1609 companies for Moat Score. This puts KS 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. KS 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 KS Bancorp stock overvalued right now?
Based on GuruFocus' analysis, KS Bancorp (KSBI) is currently considered Fairly Valued. The stock's GF Value™ is $72.20, compared to a current price of $79.06 — trading 9.5% above its estimated fair value. The current Moat Score is 3. KS Bancorp's overall GF Score™ is 59/100 with 2 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 KS Bancorp (KSBI), 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 KS Bancorp (KSBI) Overvalued in 2026?

Based on GuruFocus' analysis, KS Bancorp stock appears to be overvalued. The current stock price of $79.06 is trading 9.5% above its estimated GF Value™ of $72.20. GuruFocus considers KS Bancorp to be Fairly Valued.

Key valuation signals for KSBI:

  • Moat Score: 3
  • GF Value™: $72.20 vs. price of $79.06 (9.5% above fair value)
  • GF Score™: 59/100 with 2 warning signs

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

KS Bancorp Business Description

Address 1031 North Brightleaf Boulevard, PO Box 661, Smithfield, NC, USA, 27577
KS Bancorp Inc is a community bank. The Bank's operations are retail-oriented and directed toward individuals and small to medium-sized businesses located in the company's banking market. The Bank provides traditional banking services, which include taking of demand deposits and making of consumer and commercial loans. The Bank's primary source of revenue is the interest income derived from its lending activities.
59GF Score

Get the complete analysis for KSBI

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

$79.06
Price
$72.20
GF Value