MNBO (MNB Holdings) Moat Score: 2/10 (As of Aug. 29, 2026)

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MNBO MNB Holdings Corp MNBO
32 GF Score
Price $56.30
GF Value $22.95
! 5 Warning Signs
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What is MNB Holdings Moat Score?

MNB Holdings MNBO 32 Moat Score is 2 as of Aug. 29, 2026. GuruFocus rates MNBO with a GF Score™ of 32/100 and a GF Value™ of $22.95. The stock has 5 warning signs investors should review. Among 1,605 Banks companies, MNB Holdings ranks better than 60.06% on this metric.

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

MNB Holdings has No Moat: MNB Holdings Corp lacks significant market leadership or unique competitive advantages. It does not exhibit strong brand strength, network effects, or significant customer switching costs. The company also lacks proprietary technology 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 MNB Holdings might have No Moat - Very weak/transient advantages.

MNB Holdings  (OTCPK:MNBO) 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

MNB Holdings Moat Score Related Terms

MNBO vs GTPS, CAIB, EBSH: Moat Score Comparison

For the Banks - Regional subindustry, MNB Holdings'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.

MNB Holdings Moat Score vs Banks Industry

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

* The bar in red indicates where MNB Holdings's Moat Score falls into.


MNBO
32GF Score
MNB Holdings Corp MNBO
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?
MNB Holdings (MNBO) has a Moat Score of 2 as of Aug. 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, MNB Holdings ranks #641 out of 1605 companies in the Banks industry, placing it in the top 39.9%.
Is MNB Holdings' Moat Score too high?
MNB Holdings' current Moat Score is 2. Based on the distribution chart, MNB Holdings ranks #641 out of 1605 companies in the Banks industry, which is above the industry midpoint. Overall, MNB Holdings has a GF Score™ of 32/100, reflecting its overall financial health beyond just this single metric.
How does MNB Holdings' Moat Score compare to GTPS and CAIB?
According to the Banks industry distribution chart, MNB Holdings ranks #641 out of 1605 companies for Moat Score. This puts MNB Holdings 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. MNB Holdings'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 MNB Holdings stock overvalued right now?
MNB Holdings (MNBO) has a current Moat Score of 2. The stock's GF Value™ is $22.95, compared to a current price of $56.30 — trading 145.3% above its estimated fair value. The current Moat Score is 2. MNB Holdings' overall GF Score™ is 32/100 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 MNB Holdings (MNBO), the current Moat Score is 2 as of Aug. 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 MNB Holdings (MNBO) Overvalued in 2026?

Based on GuruFocus' analysis, MNB Holdings stock appears to be overvalued. The current stock price of $56.30 is trading 145.3% above its estimated GF Value™ of $22.95.

Key valuation signals for MNBO:

  • Moat Score: 2
  • GF Value™: $22.95 vs. price of $56.30 (145.3% above fair value)
  • GF Score™: 32/100 with 5 warning signs

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

MNB Holdings Business Description

Address 3060 16th Street, San Francisco, CA, USA, 94103
MNB Holdings Corp is a bank holding company. It is engaged in the general commercial banking business in the city and county of San Francisco and all other nine San Francisco Bay Area counties. The company provides traditional commercial and retail banking services, which include accepting demand, savings, and time deposits and making commercial, and real estate loans. It also offers other installment and term loans.
32GF Score

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

$56.30
Price
$22.95
GF Value