NAUBF (National Australia Bank) Moat Score: 7/10 (As of Jul. 02, 2026)


NAUBF National Australia Bank Ltd NAUBF
65 GF Score
Price $25.56
GF Value $33.70
Valuation Modestly Undervalued
! 3 Warning Signs
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What is National Australia Bank Moat Score?

National Australia Bank NAUBF 65 Moat Score is 7 as of Jul. 02, 2026. GuruFocus rates NAUBF with a GF Score™ of 65/100 and a GF Value™ of $33.70 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,612 Banks companies, National Australia Bank ranks better than 99.44% on this metric.

National Australia Bank has the Moat Score of 7, which implies that the company might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

National Australia Bank has Wide Moat: National Australia Bank Ltd possesses a wide moat due to its strong market leadership in the Australian banking sector, significant customer loyalty, and regulatory barriers. The bank benefits from economies of scale and a superior distribution network, providing durable 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 Australia Bank might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

National Australia Bank  (OTCPK:NAUBF) 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 Australia Bank Moat Score Related Terms

NAUBF vs JPM, BAC, WFC: Moat Score Comparison

For the Banks - Diversified subindustry, National Australia Bank'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 Australia Bank Moat Score vs Banks Industry

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

* The bar in red indicates where National Australia Bank's Moat Score falls into.


NAUBF
65GF Score
National Australia Bank Ltd NAUBF
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 7 mean?
National Australia Bank (NAUBF) has a Moat Score of 7 as of Jul. 02, 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 Australia Bank ranks #9 out of 1612 companies in the Banks industry, placing it in the top 0.59999999999999%.
Is National Australia Bank's Moat Score too high?
National Australia Bank's current Moat Score is 7. Based on the distribution chart, National Australia Bank ranks #9 out of 1612 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, National Australia Bank has a GF Score™ of 65/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does National Australia Bank's Moat Score compare to JPM and BAC?
According to the Banks industry distribution chart, National Australia Bank ranks #9 out of 1612 companies for Moat Score. This places National Australia Bank in the top 1% of its industry — outperforming the majority of peers. 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 Australia Bank's current Moat Score is 7. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Australia Bank stock overvalued right now?
Based on GuruFocus' analysis, National Australia Bank (NAUBF) is currently considered Modestly Undervalued. The stock's GF Value™ is $33.70, compared to a current price of $25.56 — trading 24.2% below its estimated fair value. The current Moat Score is 7. National Australia Bank's overall GF Score™ is 65/100 with 3 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 Australia Bank (NAUBF), the current Moat Score is 7 as of Jul. 02, 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 Australia Bank (NAUBF) Overvalued in 2026?

Based on GuruFocus' analysis, National Australia Bank stock appears to be undervalued. The current stock price of $25.56 is trading 24.2% below its estimated GF Value™ of $33.70. GuruFocus considers National Australia Bank to be Modestly Undervalued.

Key valuation signals for NAUBF:

  • Moat Score: 7
  • GF Value™: $33.70 vs. price of $25.56 (24.2% below fair value)
  • GF Score™: 65/100 with 3 warning signs

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

National Australia Bank Business Description

Address 395 Bourke Street, Level 28, Melbourne, VIC, AUS, 3000
National Australia Bank is the most business-focused of the four major banks, holding the largest share of business loans and the number-three spot in home loans. National Australia Bank is currently the second-largest bank by market capitalization, with the franchise covering consumer, small business, corporate, and institutional sectors. Under the UBank brand the bank also owns one of Australia's largest digital-only banks. Offshore operations in New Zealand round out the group.
65GF Score

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

$25.56
Price
$33.70
GF Value