LYBC (Lyons Bancorp) Moat Score: 3/10 (As of Jul. 08, 2026)


LYBC Lyons Bancorp Inc LYBC
55 GF Score
Price $54.50
GF Value $52.78
Valuation Fairly Valued
! 4 Warning Signs
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What is Lyons Bancorp Moat Score?

Lyons Bancorp LYBC 55 Moat Score is 3 as of Jul. 08, 2026. GuruFocus rates LYBC with a GF Score™ of 55/100 and a GF Value™ of $52.78 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,610 Banks companies, Lyons Bancorp ranks better than 74.53% on this metric.

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

Lyons Bancorp has No Moat: Lyons Bancorp operates in a highly competitive banking sector with limited market leadership and no significant customer switching costs. It lacks strong brand strength, durable cost advantages, or significant regulatory barriers, resulting in a very 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 Lyons Bancorp might have No Moat - Very weak/transient advantages.

Lyons Bancorp  (OTCPK:LYBC) 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

Lyons Bancorp Moat Score Related Terms

LYBC vs SOME, BVFL, OAKC: Moat Score Comparison

For the Banks - Regional subindustry, Lyons 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.

Lyons Bancorp Moat Score vs Banks Industry

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

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


LYBC
55GF Score
Lyons Bancorp Inc LYBC
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?
Lyons Bancorp (LYBC) has a Moat Score of 3 as of Jul. 08, 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, Lyons Bancorp ranks #410 out of 1610 companies in the Banks industry, placing it in the top 25.5%.
Is Lyons Bancorp's Moat Score too high?
Lyons Bancorp's current Moat Score is 3. Based on the distribution chart, Lyons Bancorp ranks #410 out of 1610 companies in the Banks industry, which is above the industry midpoint. Overall, Lyons Bancorp has a GF Score™ of 55/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Lyons Bancorp's Moat Score compare to SOME and BVFL?
According to the Banks industry distribution chart, Lyons Bancorp ranks #410 out of 1610 companies for Moat Score. This puts Lyons 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. Lyons 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 Lyons Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Lyons Bancorp (LYBC) is currently considered Fairly Valued. The stock's GF Value™ is $52.78, compared to a current price of $54.50 — trading 3.3% above its estimated fair value. The current Moat Score is 3. Lyons Bancorp's overall GF Score™ is 55/100 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 Lyons Bancorp (LYBC), the current Moat Score is 3 as of Jul. 08, 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 Lyons Bancorp (LYBC) Overvalued in 2026?

Based on GuruFocus' analysis, Lyons Bancorp stock appears to be overvalued. The current stock price of $54.50 is trading 3.3% above its estimated GF Value™ of $52.78. GuruFocus considers Lyons Bancorp to be Fairly Valued.

Key valuation signals for LYBC:

  • Moat Score: 3
  • GF Value™: $52.78 vs. price of $54.50 (3.3% above fair value)
  • GF Score™: 55/100 with 4 warning signs

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

Lyons Bancorp Business Description

Address 399 Exchange Street, Geneva, NY, USA, 14456
Lyons Bancorp Inc is a bank holding company. It provides commercial and retail banking services to individual and small business customers. The bank offers checking accounts, savings accounts, individual retirement accounts, certificates of deposits, business checking, business savings, and other banking services. Company also provides financial services, including investments and insurance.
55GF Score

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

$54.50
Price
$52.78
GF Value