Tamilnad Mercantile Bank (NSE:TMB) Moat Score: 0/10 (As of Jul. 04, 2026)


NSE:TMB Tamilnad Mercantile Bank Ltd NSE:TMB
57 GF Score
Price ₹778.65
GF Value ₹560.22
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Tamilnad Mercantile Bank Moat Score?

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

Tamilnad Mercantile 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 Tamilnad Mercantile Bank might have No Moat - No discernible moat.

Tamilnad Mercantile Bank  (NSE:TMB) 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

Tamilnad Mercantile Bank Moat Score Related Terms

NSE:TMB
57GF Score
Tamilnad Mercantile Bank Ltd NSE:TMB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Tamilnad Mercantile Bank (NSE:TMB) Overvalued in 2026?

Based on GuruFocus' analysis, Tamilnad Mercantile Bank stock appears to be overvalued. The current stock price of ₹778.65 is trading 39% above its estimated GF Value™ of ₹560.22. GuruFocus considers Tamilnad Mercantile Bank to be Significantly Overvalued.

Key valuation signals for NSE:TMB:

  • Moat Score: 0
  • GF Value™: ₹560.22 vs. price of ₹778.65 (39% above fair value)
  • GF Score™: 57/100 with 5 warning signs

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

Tamilnad Mercantile Bank Business Description

Other Exchanges 543596:India
Address No. 57, Victoria Extension Road, Tuticorin, TN, IND, 628 002
Tamilnad Mercantile Bank Ltd is engaged in providing a wide range of banking & financial services involving retail, corporate banking and para-banking activities in addition to treasury and foreign exchange business. The company has a portfolio of advances and deposits from a diversified customer base including retail customers, agricultural customers, and MSMEs. The segments of the bank are Treasury, Corporate and Wholesale banking, Retail banking, and Other banking Operations. It generates the majority of its revenue from the Retail banking segment.
57GF Score

Get the complete analysis for NSE:TMB

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

₹778.65
Price
₹560.22
GF Value