Karnataka Bank (NSE:KTKBANK) Moat Score: 0/10 (As of Jul. 11, 2026)


NSE:KTKBANK Karnataka Bank Ltd NSE:KTKBANK
52 GF Score
Price ₹276.35
GF Value ₹196.11
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Karnataka Bank Moat Score?

Karnataka Bank has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Karnataka Bank has

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 Karnataka Bank might have No Moat - No discernible moat.

Karnataka Bank  (NSE:KTKBANK) 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

Karnataka Bank Moat Score Related Terms

NSE:KTKBANK
52GF Score
Karnataka Bank Ltd NSE:KTKBANK
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Karnataka Bank (NSE:KTKBANK) Overvalued in 2026?

Based on GuruFocus' analysis, Karnataka Bank stock appears to be overvalued. The current stock price of ₹276.35 is trading 40.9% above its estimated GF Value™ of ₹196.11. GuruFocus considers Karnataka Bank to be Significantly Overvalued.

Key valuation signals for NSE:KTKBANK:

  • Moat Score: 0
  • GF Value™: ₹196.11 vs. price of ₹276.35 (40.9% above fair value)
  • GF Score™: 52/100 with 7 warning signs

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

Karnataka Bank Business Description

Other Exchanges 532652:India
Address Mahaveera Circle, Post Box No. 599, Kankanady, Mangaluru, KA, IND, 575 002
Karnataka Bank Ltd is an Indian banking company. Its operating segment includes Treasury operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. It generates maximum revenue from the Retail Banking segment. Geographically, it operates only in India. The company's products and services include savings accounts, certificates of deposits, cash management accounts, money market accounts, loans and advances, and others.
52GF Score

Get the complete analysis for NSE:KTKBANK

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

₹276.35
Price
₹196.11
GF Value