Pareto Bank ASA (LTS:0RI3) Moat Score: 0/10 (As of Jul. 18, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

LTS:0RI3 Pareto Bank ASA LTS:0RI3
67 GF Score
Price kr61.45
GF Value kr69.74
Valuation Modestly Undervalued
! 3 Warning Signs
View Full Analysis

What is Pareto Bank ASA Moat Score?

Pareto Bank ASA has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Pareto Bank ASA has

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 Pareto Bank ASA might have No Moat - No discernible moat.

Pareto Bank ASA  (LTS:0RI3) 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

Pareto Bank ASA Moat Score Related Terms

LTS:0RI3
67GF Score
Pareto Bank ASA LTS:0RI3
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is Pareto Bank ASA (LTS:0RI3) Overvalued in 2026?

Based on GuruFocus' analysis, Pareto Bank ASA stock appears to be undervalued. The current stock price of kr61.45 is trading 11.9% below its estimated GF Value™ of kr69.74. GuruFocus considers Pareto Bank ASA to be Modestly Undervalued.

Key valuation signals for LTS:0RI3:

  • Moat Score: 0
  • GF Value™: kr69.74 vs. price of kr61.45 (11.9% below fair value)
  • GF Score™: 67/100 with 3 warning signs

No single metric tells the full story. See the LTS:0RI3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Pareto Bank ASA Business Description

Address Dronning Mauds gate 3, P.O. Box 1823, Vika, Oslo, NOR, 0123
Pareto Bank ASA operates as a commercial bank in Norway. It offers diversified financial services including accepting deposits, financing of construction and rehabilitation of housing, financing solutions for companies, owners and investors, financing of shipping and offshore projects, banking. The bank also offers credit cards and online banking.
67GF Score

Get the complete analysis for LTS:0RI3

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

kr61.45
Price
kr69.74
GF Value