National Bank of Greece (LUX:GREEC) Moat Score: 4/10 (As of Jul. 02, 2026)


LUX:GREEC National Bank of Greece SA LUX:GREEC
57 GF Score
Price €92.25
GF Value €47.34
! 8 Warning Signs
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What is National Bank of Greece Moat Score?

National Bank of Greece LUX:GREEC 57 Moat Score is 4 as of Jul. 02, 2026. GuruFocus rates LUX:GREEC with a GF Score™ of 57/100 and a GF Value™ of €47.34. The stock has 8 warning signs investors should review. Among 1,612 Banks companies, National Bank of Greece ranks better than 86.23% on this metric.

National Bank of Greece has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

National Bank of Greece has Narrow Moat: National Bank of Greece SA has a modest market share and some regulatory barriers in the Greek banking sector. However, it lacks strong brand strength or customer loyalty to establish a more robust 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 National Bank of Greece might have Narrow Moat - Discernible but modest moat.

National Bank of Greece  (LUX:GREEC) 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

National Bank of Greece Moat Score Related Terms

LUX:GREEC vs PNC, USB: Moat Score Comparison

For the Banks - Regional subindustry, National Bank of Greece'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.

National Bank of Greece Moat Score vs Banks Industry

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

* The bar in red indicates where National Bank of Greece's Moat Score falls into.


LUX:GREEC
57GF Score
National Bank of Greece SA LUX:GREEC
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 4 mean?
National Bank of Greece (LUX:GREEC) has a Moat Score of 4 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, National Bank of Greece ranks #222 out of 1612 companies in the Banks industry, placing it in the top 13.8%.
Is National Bank of Greece's Moat Score too high?
National Bank of Greece's current Moat Score is 4. Based on the distribution chart, National Bank of Greece ranks #222 out of 1612 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, National Bank of Greece has a GF Score™ of 57/100, reflecting its overall financial health beyond just this single metric.
How does National Bank of Greece's Moat Score compare to PNC and USB?
According to the Banks industry distribution chart, National Bank of Greece ranks #222 out of 1612 companies for Moat Score. This places National Bank of Greece in the top 14% 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. National Bank of Greece's current Moat Score is 4. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Bank of Greece stock overvalued right now?
National Bank of Greece (LUX:GREEC) has a current Moat Score of 4. The stock's GF Value™ is €47.34, compared to a current price of €92.25 — trading 94.9% above its estimated fair value. The current Moat Score is 4. National Bank of Greece's overall GF Score™ is 57/100 with 8 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 National Bank of Greece (LUX:GREEC), the current Moat Score is 4 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 National Bank of Greece (LUX:GREEC) Overvalued in 2026?

Based on GuruFocus' analysis, National Bank of Greece stock appears to be overvalued. The current stock price of €92.25 is trading 94.9% above its estimated GF Value™ of €47.34.

Key valuation signals for LUX:GREEC:

  • Moat Score: 4
  • GF Value™: €47.34 vs. price of €92.25 (94.9% above fair value)
  • GF Score™: 57/100 with 8 warning signs

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

National Bank of Greece Business Description

Address 86 Eolou Street, Athens, GRC, 10559
National Bank of Greece SA consists of several subsidiaries offering diverse financial services, including retail, corporate, and investment banking, specialized asset solutions, transactional banking, leasing, factoring, brokerage, asset management, real estate management, and bancassurance-related services. Its segments include Retail Banking, Corporate and Investment Banking, Trouble Assets Units, Global Markets and Asset Management, International Banking Operations, and Other. The group generates maximum revenue from the Retail Banking segment, which, through its branch network and digital business, offers various types of loans (mortgage, consumer, and small business lending), cards (debit, credit, and prepaid cards), deposits, investment, bancassurance, and other products.
57GF Score

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

€92.25
Price
€47.34
GF Value