MBOF (Marine Bancorp FLA) Moat Score: 2/10 (As of Aug. 13, 2026)

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MBOF Marine Bancorp FLA Inc MBOF
31 GF Score
Price $43.75
GF Value $18.47
! 7 Warning Signs
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What is Marine Bancorp FLA Moat Score?

Marine Bancorp FLA MBOF 31 Moat Score is 2 as of Aug. 13, 2026. GuruFocus rates MBOF with a GF Score™ of 31/100 and a GF Value™ of $18.47. The stock has 7 warning signs investors should review.

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

Marine Bancorp FLA has No Moat: Marine Bancorp FLA Inc has a small market presence with no significant competitive advantages. It lacks brand strength, customer loyalty, and regulatory barriers. The company operates in a competitive market without discernible cost advantages 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 Marine Bancorp FLA might have No Moat - Very weak/transient advantages.

Marine Bancorp FLA  (OTCPK:MBOF) 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

Marine Bancorp FLA Moat Score Related Terms

MBOF vs FBSI, KLIB, FSMK: Moat Score Comparison

For the Banks - Regional subindustry, Marine Bancorp FLA'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.

Marine Bancorp FLA Moat Score vs Banks Industry

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

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


MBOF
31GF Score
Marine Bancorp FLA Inc MBOF
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?
Marine Bancorp FLA (MBOF) has a Moat Score of 2 as of Aug. 13, 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.
Is Marine Bancorp FLA's Moat Score too high?
Marine Bancorp FLA's current Moat Score is 2. Overall, Marine Bancorp FLA has a GF Score™ of 31/100, reflecting its overall financial health beyond just this single metric.
How does Marine Bancorp FLA's Moat Score compare to FBSI and KLIB?
Marine Bancorp FLA's Moat Score of 2 can be compared against companies in the Banks 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. Marine Bancorp FLA'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 Marine Bancorp FLA stock overvalued right now?
Marine Bancorp FLA (MBOF) has a current Moat Score of 2. The stock's GF Value™ is $18.47, compared to a current price of $43.75 — trading 136.9% above its estimated fair value. The current Moat Score is 2. Marine Bancorp FLA's overall GF Score™ is 31/100 with 7 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 Marine Bancorp FLA (MBOF), the current Moat Score is 2 as of Aug. 13, 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 Marine Bancorp FLA (MBOF) Overvalued in 2026?

Based on GuruFocus' analysis, Marine Bancorp FLA stock appears to be overvalued. The current stock price of $43.75 is trading 136.9% above its estimated GF Value™ of $18.47.

Key valuation signals for MBOF:

  • Moat Score: 2
  • GF Value™: $18.47 vs. price of $43.75 (136.9% above fair value)
  • GF Score™: 31/100 with 7 warning signs

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

Marine Bancorp FLA Business Description

Address 571 Beachland Boulevard, Vero Beach, FL, USA, 32963
Marine Bancorp FLA Inc, through its subsidiary, is engaged in providing banking and related services. The Bank offers a variety of community banking services to individuals and corporate customers. The company offers Checking, Loans, Debit cards, Credit cards, Commercial Loans, Merchant Services, Business savings and money markets, Mobile Banking and related services. The loan portfolio segment includes Commercial real estate, Residential real estate, Construction and land development, Commercial and Consumer.
31GF Score

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

$43.75
Price
$18.47
GF Value