Hyakugo Bank (NGO:8368) Moat Score: 4/10 (As of Jul. 09, 2026)


NGO:8368 Hyakugo Bank Ltd NGO:8368
51 GF Score
Price 円2,031.00
GF Value 円887.29
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Hyakugo Bank Moat Score?

Hyakugo Bank NGO:8368 51 Moat Score is 4 as of Jul. 09, 2026. GuruFocus rates NGO:8368 with a GF Score™ of 51/100 and a GF Value™ of 円887.29 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,609 Banks companies, Hyakugo Bank ranks better than 86.2% on this metric.

Hyakugo Bank has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Hyakugo Bank has Narrow Moat: Hyakugo Bank Ltd has a modest moat due to its established regional presence and customer relationships. However, it faces intense competition and lacks significant pricing power and innovation capabilities.

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 Hyakugo Bank might have Narrow Moat - Discernible but modest moat.

Hyakugo Bank  (NGO:8368) 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

Hyakugo Bank Moat Score Related Terms

Hyakugo Bank Moat Score Competitor Comparison

For the Banks - Regional subindustry, Hyakugo 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.

Hyakugo Bank Moat Score vs Banks Industry

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

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


NGO:8368
51GF Score
Hyakugo Bank Ltd NGO:8368
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 4 mean?
Hyakugo Bank (NGO:8368) has a Moat Score of 4 as of Jul. 09, 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, Hyakugo Bank ranks #222 out of 1609 companies in the Banks industry, placing it in the top 13.8%.
Is Hyakugo Bank's Moat Score too high?
Hyakugo Bank's current Moat Score is 4. Based on the distribution chart, Hyakugo Bank ranks #222 out of 1609 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Hyakugo Bank has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hyakugo Bank's Moat Score compare to competitors?
According to the Banks industry distribution chart, Hyakugo Bank ranks #222 out of 1609 companies for Moat Score. This places Hyakugo Bank in the top 14% 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. Hyakugo Bank's current Moat Score is 4. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hyakugo Bank stock overvalued right now?
Based on GuruFocus' analysis, Hyakugo Bank (NGO:8368) is currently considered Significantly Overvalued. The stock's GF Value™ is 円887.29, compared to a current price of 円2,031.00 — trading 128.9% above its estimated fair value. The current Moat Score is 4. Hyakugo Bank's overall GF Score™ is 51/100 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 Hyakugo Bank (NGO:8368), the current Moat Score is 4 as of Jul. 09, 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 Hyakugo Bank (NGO:8368) Overvalued in 2026?

Based on GuruFocus' analysis, Hyakugo Bank stock appears to be overvalued. The current stock price of 円2,031.00 is trading 128.9% above its estimated GF Value™ of 円887.29. GuruFocus considers Hyakugo Bank to be Significantly Overvalued.

Key valuation signals for NGO:8368:

  • Moat Score: 4
  • GF Value™: 円887.29 vs. price of 円2,031.00 (128.9% above fair value)
  • GF Score™: 51/100 with 5 warning signs

No single metric tells the full story. See the NGO:8368 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Hyakugo Bank Business Description

Other Exchanges 8368:Japan
Address 21-27, Iwata, Tsu, Mie, JPN, 514-8666
Hyakugo Bank Ltd is a Japanese bank that operates primarily in the Mie and Aichi prefectures. The bank's earning assets are just over half in loans and bills discounted and just under half in securities. Its loan portfolio is a diverse mix of loans to individuals, consumers, and small and medium-size companies. Housing loans dominate most loans made to consumers. Most outstanding loans to small and medium-size companies are in the manufacturing, real estate, wholesale and retail, government, financial services, and construction industries. Nearly all of the loans are made in the region the bank operates in. The bank's deposit base mostly originates from individuals.
51GF Score

Get the complete analysis for NGO:8368

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

円2,031.00
Price
円887.29
GF Value