MCHT (Mauch Chunk Trust Financial) Moat Score: 2/10 (As of Jul. 03, 2026)


MCHT Mauch Chunk Trust Financial Corp MCHT
48 GF Score
Price $6.70
GF Value $6.75
Valuation Fairly Valued
! 5 Warning Signs
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What is Mauch Chunk Trust Financial Moat Score?

Mauch Chunk Trust Financial MCHT 48 Moat Score is 2 as of Jul. 03, 2026. GuruFocus rates MCHT with a GF Score™ of 48/100 and a GF Value™ of $6.75 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,611 Banks companies, Mauch Chunk Trust Financial ranks better than 59.84% on this metric.

Mauch Chunk Trust Financial has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

Mauch Chunk Trust Financial has No Moat: Mauch Chunk Trust Financial Corp operates in a highly competitive financial services market with limited market leadership and customer loyalty. It lacks significant regulatory barriers or cost advantages, 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 Mauch Chunk Trust Financial might have No Moat - Very weak/transient advantages.

Mauch Chunk Trust Financial  (OTCPK:MCHT) 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

Mauch Chunk Trust Financial Moat Score Related Terms

MCHT vs CNAF, UNIF, SNNF: Moat Score Comparison

For the Banks - Regional subindustry, Mauch Chunk Trust Financial'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.

Mauch Chunk Trust Financial Moat Score vs Banks Industry

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

* The bar in red indicates where Mauch Chunk Trust Financial's Moat Score falls into.


MCHT
48GF Score
Mauch Chunk Trust Financial Corp MCHT
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?
Mauch Chunk Trust Financial (MCHT) has a Moat Score of 2 as of Jul. 03, 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, Mauch Chunk Trust Financial ranks #647 out of 1611 companies in the Banks industry, placing it in the top 40.2%.
Is Mauch Chunk Trust Financial's Moat Score too high?
Mauch Chunk Trust Financial's current Moat Score is 2. Based on the distribution chart, Mauch Chunk Trust Financial ranks #647 out of 1611 companies in the Banks industry, which is above the industry midpoint. Overall, Mauch Chunk Trust Financial has a GF Score™ of 48/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Mauch Chunk Trust Financial's Moat Score compare to CNAF and UNIF?
According to the Banks industry distribution chart, Mauch Chunk Trust Financial ranks #647 out of 1611 companies for Moat Score. This puts Mauch Chunk Trust Financial 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. Mauch Chunk Trust Financial'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 Mauch Chunk Trust Financial stock overvalued right now?
Based on GuruFocus' analysis, Mauch Chunk Trust Financial (MCHT) is currently considered Fairly Valued. The stock's GF Value™ is $6.75, compared to a current price of $6.70 — trading 0.7% below its estimated fair value. The current Moat Score is 2. Mauch Chunk Trust Financial's overall GF Score™ is 48/100 with 5 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 Mauch Chunk Trust Financial (MCHT), the current Moat Score is 2 as of Jul. 03, 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 Mauch Chunk Trust Financial (MCHT) Overvalued in 2026?

Based on GuruFocus' analysis, Mauch Chunk Trust Financial stock appears to be undervalued. The current stock price of $6.70 is trading 0.7% below its estimated GF Value™ of $6.75. GuruFocus considers Mauch Chunk Trust Financial to be Fairly Valued.

Key valuation signals for MCHT:

  • Moat Score: 2
  • GF Value™: $6.75 vs. price of $6.70 (0.7% below fair value)
  • GF Score™: 48/100 with 5 warning signs

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

Mauch Chunk Trust Financial Business Description

Address 1111 North Street, P.O. Box 289, Jim Thorpe, PA, USA, 18229-0289
Mauch Chunk Trust Financial Corp is a bank holding company. Through its banking subsidiary, it provides full banking services, including trust services. The Group's various financial products and service offerings include personal loans, credit cards, savings accounts, checking accounts, wealth management solutions, home equity loans, trust services, business savings accounts, small business loans, municipal leasing, and commercial letters of credit, among others. These services are offered to both individuals and business clients through a network of branch offices located across Jim Thorpe, Albrightsville, Nesquehoning, Lehighton, Hometown, and West Penn, USA.
48GF Score

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

$6.70
Price
$6.75
GF Value