MFBI (Monroe Federal Bancorp) Moat Score: 2/10 (As of Jun. 28, 2026)


MFBI Monroe Federal Bancorp Inc MFBI
6 GF Score
Price $11.72
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What is Monroe Federal Bancorp Moat Score?

Monroe Federal Bancorp MFBI +1.01% 6 Moat Score is 2 as of Jun. 28, 2026. GuruFocus rates MFBI with a GF Score™ of 6/100. The stock has 1 warning sign investors should review. Among 1,614 Banks companies, Monroe Federal Bancorp ranks better than 59.85% on this metric.

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

Monroe Federal Bancorp has No Moat: Monroe Federal Bancorp Inc operates in a competitive banking sector with minimal differentiation. It lacks significant network effects, customer loyalty, or proprietary technology. The company does not have strong regulatory barriers or pricing power to sustain a 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 Monroe Federal Bancorp might have No Moat - Very weak/transient advantages.

Monroe Federal Bancorp  (OTCPK:MFBI) 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

Monroe Federal Bancorp Moat Score Related Terms

MFBI vs LWCL, EWSB, ABBB: Moat Score Comparison

For the Banks - Regional subindustry, Monroe Federal 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.

Monroe Federal Bancorp Moat Score vs Banks Industry

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

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


MFBI
6GF Score
Monroe Federal Bancorp Inc MFBI
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 2 mean?
Monroe Federal Bancorp (MFBI) has a Moat Score of 2 as of Jun. 28, 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, Monroe Federal Bancorp ranks #648 out of 1614 companies in the Banks industry, placing it in the top 40.1%.
Is Monroe Federal Bancorp's Moat Score too high?
Monroe Federal Bancorp's current Moat Score is 2. Based on the distribution chart, Monroe Federal Bancorp ranks #648 out of 1614 companies in the Banks industry, which is above the industry midpoint. Overall, Monroe Federal Bancorp has a GF Score™ of 6/100, reflecting its overall financial health beyond just this single metric.
How does Monroe Federal Bancorp's Moat Score compare to LWCL and EWSB?
According to the Banks industry distribution chart, Monroe Federal Bancorp ranks #648 out of 1614 companies for Moat Score. This puts Monroe Federal 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. Monroe Federal Bancorp'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 Monroe Federal Bancorp stock overvalued right now?
Monroe Federal Bancorp (MFBI) has a current Moat Score of 2. The current Moat Score is 2. Monroe Federal Bancorp's overall GF Score™ is 6/100 with 1 warning sign 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 Monroe Federal Bancorp (MFBI), the current Moat Score is 2 as of Jun. 28, 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.

Monroe Federal Bancorp Business Description

Address 24 East Main Street, Tipp City, OH, USA, 45371
Monroe Federal Bancorp Inc is a Financial institution offering various products and services for individual and commercial customers. The main products and services offered include checking, savings, and time deposits, including IRAs, and residential and commercial mortgage loans.
6GF Score

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