Bank of Commerce (PHS:BNCOM) Moat Score: 0/10 (As of Jul. 05, 2026)


PHS:BNCOM Bank of Commerce PHS:BNCOM
75 GF Score
Price ₱10.58
GF Value ₱9.27
Valuation Modestly Overvalued
! 1 Warning Sign
View Full Analysis

What is Bank of Commerce Moat Score?

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

Bank of Commerce 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 Bank of Commerce might have No Moat - No discernible moat.

Bank of Commerce  (PHS:BNCOM) 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

Bank of Commerce Moat Score Related Terms

PHS:BNCOM
75GF Score
Bank of Commerce PHS:BNCOM
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is Bank of Commerce (PHS:BNCOM) Overvalued in 2026?

Based on GuruFocus' analysis, Bank of Commerce stock appears to be overvalued. The current stock price of ₱10.58 is trading 14.1% above its estimated GF Value™ of ₱9.27. GuruFocus considers Bank of Commerce to be Modestly Overvalued.

Key valuation signals for PHS:BNCOM:

  • Moat Score: 0
  • GF Value™: ₱9.27 vs. price of ₱10.58 (14.1% above fair value)
  • GF Score™: 75/100 with 1 warning sign

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

Bank of Commerce Business Description

Address 7 St. Francis Street, San Miguel Properties Centre, P.O. Box 002, Mandaluyong, PHL, 1550
Bank of Commerce is a universal bank focused on helping its clients, communities, and conglomerate partners by delivering financial services. It provides banking solutions and a complete products and services in deposit, commercial loans, credit card services, consumer banking, transaction banking, corporate banking, investment banking, treasury, asset management, trust, and investments. Its segments include Treasury Management Group, Corporate Banking Group, Branch Banking Group, Consumer Group, and Others, with the majority of the revenue deriving from Corporate Banking Group, which principally handles loans and other credit facilities for corporate, institutional, and middle market clients.
75GF Score

Get the complete analysis for PHS:BNCOM

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

₱10.58
Price
₱9.27
GF Value