MTRBF (Metro Bank Holdings) Moat Score: 2/10 (As of Jul. 05, 2026)


MTRBF Metro Bank Holdings PLC MTRBF
44 GF Score
Price $2.30
GF Value $0.90
Valuation Significantly Overvalued
! 8 Warning Signs
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What is Metro Bank Holdings Moat Score?

Metro Bank Holdings MTRBF +0.88% 44 Moat Score is 2 as of Jul. 05, 2026. GuruFocus rates MTRBF with a GF Score™ of 44/100 and a GF Value™ of $0.90 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,612 Banks companies, Metro Bank Holdings ranks better than 59.93% on this metric.

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

Metro Bank Holdings has No Moat: Metro Bank Holdings PLC has very weak competitive advantages. It faces intense competition in the UK banking sector with low switching costs and lacks significant brand strength or unique offerings to establish a durable moat.

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 Metro Bank Holdings might have No Moat - Very weak/transient advantages.

Metro Bank Holdings  (OTCPK:MTRBF) 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

Metro Bank Holdings Moat Score Related Terms

Metro Bank Holdings Moat Score Competitor Comparison

For the Banks - Regional subindustry, Metro Bank 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.

Metro Bank Holdings Moat Score vs Banks Industry

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

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


MTRBF
44GF Score
Metro Bank Holdings PLC MTRBF
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?
Metro Bank Holdings (MTRBF) has a Moat Score of 2 as of Jul. 05, 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, Metro Bank Holdings ranks #646 out of 1612 companies in the Banks industry, placing it in the top 40.1%.
Is Metro Bank Holdings' Moat Score too high?
Metro Bank Holdings' current Moat Score is 2. Based on the distribution chart, Metro Bank Holdings ranks #646 out of 1612 companies in the Banks industry, which is above the industry midpoint. Overall, Metro Bank Holdings has a GF Score™ of 44/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Metro Bank Holdings' Moat Score compare to competitors?
According to the Banks industry distribution chart, Metro Bank Holdings ranks #646 out of 1612 companies for Moat Score. This puts Metro Bank 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. Metro Bank 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 Metro Bank Holdings stock overvalued right now?
Based on GuruFocus' analysis, Metro Bank Holdings (MTRBF) is currently considered Significantly Overvalued. The stock's GF Value™ is $0.90, compared to a current price of $2.30 — trading 155.6% above its estimated fair value. The current Moat Score is 2. Metro Bank Holdings' overall GF Score™ is 44/100 with 8 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 Metro Bank Holdings (MTRBF), the current Moat Score is 2 as of Jul. 05, 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 Metro Bank Holdings (MTRBF) Overvalued in 2026?

Based on GuruFocus' analysis, Metro Bank Holdings stock appears to be overvalued. The current stock price of $2.30 is trading 155.6% above its estimated GF Value™ of $0.90. GuruFocus considers Metro Bank Holdings to be Significantly Overvalued.

Key valuation signals for MTRBF:

  • Moat Score: 2
  • GF Value™: $0.90 vs. price of $2.30 (155.6% above fair value)
  • GF Score™: 44/100 with 8 warning signs

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

Metro Bank Holdings Business Description

Other Exchanges MTROl:UKMTRO:UK6MB0:Germany
Address One Southampton Row, London, GBR, WC1B 5HA
Metro Bank Holdings PLC is a holding company. The firm through its subsidiary engages in deposit-taking and lending activities with a focus on retail and small and medium-sized commercial customers in the United Kingdom. It engages in offering bank accounts, saving accounts, borrowing services, insurance, and mortgage services for personal and business banking.
44GF Score

Get the complete analysis for MTRBF

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

$2.30
Price
$0.90
GF Value