NACB (National Cap Bancorp) Moat Score: 3/10 (As of Jun. 29, 2026)


NACB National Cap Bancorp Inc NACB
57 GF Score
Price $79.00
GF Value $57.80
Valuation Significantly Overvalued
! 4 Warning Signs
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What is National Cap Bancorp Moat Score?

National Cap Bancorp NACB +1.28% 57 Moat Score is 3 as of Jun. 29, 2026. GuruFocus rates NACB with a GF Score™ of 57/100 and a GF Value™ of $57.80 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,614 Banks companies, National Cap Bancorp ranks better than 74.54% on this metric.

National Cap Bancorp has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

National Cap Bancorp has No Moat: National Cap Bancorp Inc has no discernible moat due to its limited market presence and lack of significant customer loyalty. The company does not benefit from strong network effects, intellectual property, or regulatory barriers, resulting in very weak competitive advantages.

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 National Cap Bancorp might have No Moat - Very weak/transient advantages.

National Cap Bancorp  (OTCPK:NACB) 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

National Cap Bancorp Moat Score Related Terms

NACB vs BCOW, BKSC, CULL: Moat Score Comparison

For the Banks - Regional subindustry, National Cap 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.

National Cap Bancorp Moat Score vs Banks Industry

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

* The bar in red indicates where National Cap Bancorp's Moat Score falls into.


NACB
57GF Score
National Cap Bancorp Inc NACB
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 3 mean?
National Cap Bancorp (NACB) has a Moat Score of 3 as of Jun. 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, National Cap Bancorp ranks #411 out of 1614 companies in the Banks industry, placing it in the top 25.5%.
Is National Cap Bancorp's Moat Score too high?
National Cap Bancorp's current Moat Score is 3. Based on the distribution chart, National Cap Bancorp ranks #411 out of 1614 companies in the Banks industry, which is above the industry midpoint. Overall, National Cap Bancorp has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Cap Bancorp's Moat Score compare to BCOW and BKSC?
According to the Banks industry distribution chart, National Cap Bancorp ranks #411 out of 1614 companies for Moat Score. This puts National Cap 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. National Cap Bancorp's current Moat Score is 3. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Cap Bancorp stock overvalued right now?
Based on GuruFocus' analysis, National Cap Bancorp (NACB) is currently considered Significantly Overvalued. The stock's GF Value™ is $57.80, compared to a current price of $79.00 — trading 36.7% above its estimated fair value. The current Moat Score is 3. National Cap Bancorp's overall GF Score™ is 57/100 with 4 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 National Cap Bancorp (NACB), the current Moat Score is 3 as of Jun. 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 National Cap Bancorp (NACB) Overvalued in 2026?

Based on GuruFocus' analysis, National Cap Bancorp stock appears to be overvalued. The current stock price of $79.00 is trading 36.7% above its estimated GF Value™ of $57.80. GuruFocus considers National Cap Bancorp to be Significantly Overvalued.

Key valuation signals for NACB:

  • Moat Score: 3
  • GF Value™: $57.80 vs. price of $79.00 (36.7% above fair value)
  • GF Score™: 57/100 with 4 warning signs

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

National Cap Bancorp Business Description

Address 316 Pennsylvania Avenue, SE, Washington, WA, USA, 20003
National Cap Bancorp Inc provides general banking services. The bank provides personal banking, mortgages, business banking services, and wealth management such as personal savings and loans, mobile banking, ATM cards, robust eBanking, remote deposit capture, merchant processing, construction finance, equipment leasing, treasury management services, and others.
57GF Score

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

$79.00
Price
$57.80
GF Value