NMBF (NMB Finl) Moat Score: 2/10 (As of Jul. 15, 2026)

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NMBF NMB Finl Corp NMBF
64 GF Score
Price $18.90
GF Value $14.65
Valuation Modestly Overvalued
! 2 Warning Signs
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What is NMB Finl Moat Score?

NMB Finl NMBF 64 Moat Score is 2 as of Jul. 15, 2026. GuruFocus rates NMBF with a GF Score™ of 64/100 and a GF Value™ of $14.65 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 1,610 Banks companies, NMB Finl ranks better than 59.88% on this metric.

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

NMB Finl has No Moat: NMB Finl Corp operates in a competitive financial services sector with minimal differentiation. It lacks significant market share, brand strength, or proprietary technology. The company does not benefit from network effects or substantial regulatory barriers, and customer switching costs are low.

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 NMB Finl might have No Moat - Very weak/transient advantages.

NMB Finl  (OTCPK:NMBF) 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

NMB Finl Moat Score Related Terms

NMBF vs FABP, CYVF, FTFI: Moat Score Comparison

For the Banks - Regional subindustry, NMB Finl'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.

NMB Finl Moat Score vs Banks Industry

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

* The bar in red indicates where NMB Finl's Moat Score falls into.


NMBF
64GF Score
NMB Finl Corp NMBF
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?
NMB Finl (NMBF) has a Moat Score of 2 as of Jul. 15, 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, NMB Finl ranks #646 out of 1610 companies in the Banks industry, placing it in the top 40.1%.
Is NMB Finl's Moat Score too high?
NMB Finl's current Moat Score is 2. Based on the distribution chart, NMB Finl ranks #646 out of 1610 companies in the Banks industry, which is above the industry midpoint. Overall, NMB Finl has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NMB Finl's Moat Score compare to FABP and CYVF?
According to the Banks industry distribution chart, NMB Finl ranks #646 out of 1610 companies for Moat Score. This puts NMB Finl 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. NMB Finl'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 NMB Finl stock overvalued right now?
Based on GuruFocus' analysis, NMB Finl (NMBF) is currently considered Modestly Overvalued. The stock's GF Value™ is $14.65, compared to a current price of $18.90 — trading 29% above its estimated fair value. The current Moat Score is 2. NMB Finl's overall GF Score™ is 64/100 with 2 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 NMB Finl (NMBF), the current Moat Score is 2 as of Jul. 15, 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 NMB Finl (NMBF) Overvalued in 2026?

Based on GuruFocus' analysis, NMB Finl stock appears to be overvalued. The current stock price of $18.90 is trading 29% above its estimated GF Value™ of $14.65. GuruFocus considers NMB Finl to be Modestly Overvalued.

Key valuation signals for NMBF:

  • Moat Score: 2
  • GF Value™: $14.65 vs. price of $18.90 (29% above fair value)
  • GF Score™: 64/100 with 2 warning signs

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

NMB Finl Business Description

Address 222 Bruce Reynolds Boulevard, Suite 400, Fort Lee, NJ, USA, 07024
NMB Finl Corp is a bank holding company of New Millennium Bank. The bank generates commercial, mortgage, and consumer loans and receives deposits from customers at its New Brunswick and Somerset New Jersey locations. In addition, it also offers various other online banking services.
64GF Score

Get the complete analysis for NMBF

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

$18.90
Price
$14.65
GF Value