MBKL (MBT Bancshares) Moat Score: 2/10 (As of Jun. 29, 2026)


MBKL MBT Bancshares Inc MBKL
62 GF Score
Price $27.10
GF Value $24.39
Valuation Modestly Overvalued
! 4 Warning Signs
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What is MBT Bancshares Moat Score?

MBT Bancshares MBKL +0.37% 62 Moat Score is 2 as of Jun. 29, 2026. GuruFocus rates MBKL with a GF Score™ of 62/100 and a GF Value™ of $24.39 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,614 Banks companies, MBT Bancshares ranks better than 59.85% on this metric.

MBT Bancshares has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

MBT Bancshares has No Moat: MBT Bancshares Inc lacks significant market leadership or unique competitive advantages. The company does not exhibit strong brand strength, customer loyalty, or significant regulatory barriers. Its market share is modest, and it does not benefit from economies of scale or proprietary technology.

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 MBT Bancshares might have No Moat - Very weak/transient advantages.

MBT Bancshares  (OTCPK:MBKL) 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

MBT Bancshares Moat Score Related Terms

MBKL vs BSPA, KEFI, CIZN: Moat Score Comparison

For the Banks - Regional subindustry, MBT Bancshares'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.

MBT Bancshares Moat Score vs Banks Industry

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

* The bar in red indicates where MBT Bancshares's Moat Score falls into.


MBKL
62GF Score
MBT Bancshares Inc MBKL
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 2 mean?
MBT Bancshares (MBKL) has a Moat Score of 2 as of Jun. 29, 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, MBT Bancshares ranks #648 out of 1614 companies in the Banks industry, placing it in the top 40.1%.
Is MBT Bancshares' Moat Score too high?
MBT Bancshares' current Moat Score is 2. Based on the distribution chart, MBT Bancshares ranks #648 out of 1614 companies in the Banks industry, which is above the industry midpoint. Overall, MBT Bancshares has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does MBT Bancshares' Moat Score compare to BSPA and KEFI?
According to the Banks industry distribution chart, MBT Bancshares ranks #648 out of 1614 companies for Moat Score. This puts MBT Bancshares 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. MBT Bancshares's current Moat Score is 2. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MBT Bancshares stock overvalued right now?
Based on GuruFocus' analysis, MBT Bancshares (MBKL) is currently considered Modestly Overvalued. The stock's GF Value™ is $24.39, compared to a current price of $27.10 — trading 11.1% above its estimated fair value. The current Moat Score is 2. MBT Bancshares' overall GF Score™ is 62/100 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 MBT Bancshares (MBKL), the current Moat Score is 2 as of Jun. 29, 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 MBT Bancshares (MBKL) Overvalued in 2026?

Based on GuruFocus' analysis, MBT Bancshares stock appears to be overvalued. The current stock price of $27.10 is trading 11.1% above its estimated GF Value™ of $24.39. GuruFocus considers MBT Bancshares to be Modestly Overvalued.

Key valuation signals for MBKL:

  • Moat Score: 2
  • GF Value™: $24.39 vs. price of $27.10 (11.1% above fair value)
  • GF Score™: 62/100 with 4 warning signs

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

MBT Bancshares Business Description

Address 3344 Metairie Road, Metairie, LA, USA, 70001
MBT Bancshares Inc is a United States-based company providing commercial banking services. It offers personal banking and business banking services. The services portfolio includes online banking service, checking accounts service, savings account facility, card services, and other services.
62GF Score

Get the complete analysis for MBKL

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

$27.10
Price
$24.39
GF Value