NTBP (New Tripoli Bancorp) Moat Score: 2/10 (As of Aug. 09, 2026)

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NTBP New Tripoli Bancorp Inc NTBP
13 GF Score
Price $1,275.00
GF Value $840.22
Valuation Significantly Overvalued
! 9 Warning Signs
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What is New Tripoli Bancorp Moat Score?

New Tripoli Bancorp NTBP +13.33% 13 Moat Score is 2 as of Aug. 09, 2026. GuruFocus rates NTBP with a GF Score™ of 13/100 and a GF Value™ of $840.22 (Significantly Overvalued). The stock has 9 warning signs investors should review. Among 1,609 Banks companies, New Tripoli Bancorp ranks better than 60.16% on this metric.

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

New Tripoli Bancorp has No Moat: NTBP operates in a highly competitive local banking market with limited scale and no significant cost advantages or network effects. Its market share is small, and it lacks strong brand strength or regulatory barriers.

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 New Tripoli Bancorp might have No Moat - Very weak/transient advantages.

New Tripoli Bancorp  (OTCPK:NTBP) 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

New Tripoli Bancorp Moat Score Related Terms

NTBP vs JUVF, FBTT, NACB: Moat Score Comparison

For the Banks - Regional subindustry, New Tripoli Bancorp'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.

New Tripoli Bancorp Moat Score vs Banks Industry

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

* The bar in red indicates where New Tripoli Bancorp's Moat Score falls into.


NTBP
13GF Score
New Tripoli Bancorp Inc NTBP
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?
New Tripoli Bancorp (NTBP) has a Moat Score of 2 as of Aug. 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, New Tripoli Bancorp ranks #641 out of 1609 companies in the Banks industry, placing it in the top 39.8%.
Is New Tripoli Bancorp's Moat Score too high?
New Tripoli Bancorp's current Moat Score is 2. Based on the distribution chart, New Tripoli Bancorp ranks #641 out of 1609 companies in the Banks industry, which is above the industry midpoint. Overall, New Tripoli Bancorp has a GF Score™ of 13/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does New Tripoli Bancorp's Moat Score compare to JUVF and FBTT?
According to the Banks industry distribution chart, New Tripoli Bancorp ranks #641 out of 1609 companies for Moat Score. This puts New Tripoli Bancorp 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. New Tripoli Bancorp'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 New Tripoli Bancorp stock overvalued right now?
Based on GuruFocus' analysis, New Tripoli Bancorp (NTBP) is currently considered Significantly Overvalued. The stock's GF Value™ is $840.22, compared to a current price of $1,275.00 — trading 51.7% above its estimated fair value. The current Moat Score is 2. New Tripoli Bancorp's overall GF Score™ is 13/100 with 9 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 New Tripoli Bancorp (NTBP), the current Moat Score is 2 as of Aug. 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 New Tripoli Bancorp (NTBP) Overvalued in 2026?

Based on GuruFocus' analysis, New Tripoli Bancorp stock appears to be overvalued. The current stock price of $1,275.00 is trading 51.7% above its estimated GF Value™ of $840.22. GuruFocus considers New Tripoli Bancorp to be Significantly Overvalued.

Key valuation signals for NTBP:

  • Moat Score: 2
  • GF Value™: $840.22 vs. price of $1,275.00 (51.7% above fair value)
  • GF Score™: 13/100 with 9 warning signs

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

New Tripoli Bancorp Business Description

Address 6748 Madison Street, P.O. Box 468, New Tripoli, PA, USA, 18066-0468
New Tripoli Bancorp Inc is a one-bank holding company. Through its banking subsidiary, it offers various commercial banking and other financial products and services, such as personal savings accounts, checking accounts, auto loans, student loans, personal loans, online and mobile banking services, business checking accounts, commercial mortgages, credit cards, and ATM services, among others. The primary source of revenue is providing residential mortgages, consumer loans, and commercial loans to customers located within the Lehigh Valley, USA.
13GF Score

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

$1,275.00
Price
$840.22
GF Value