PRMY (Primary Bk) Moat Score: 3/10 (As of Jun. 26, 2026)


PRMY Primary Bk PRMY
64 GF Score
Price $29.89
GF Value $25.60
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Primary Bk Moat Score?

Primary Bk PRMY 64 Moat Score is 3 as of Jun. 26, 2026. GuruFocus rates PRMY with a GF Score™ of 64/100 and a GF Value™ of $25.60 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,610 Banks companies, Primary Bk ranks better than 74.41% on this metric.

Primary Bk has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Primary Bk has No Moat: Primary Bk does not exhibit significant competitive advantages. It lacks market leadership, strong brand strength, or substantial regulatory barriers. Its customer base and market share are not sufficient to create a durable moat.

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 Primary Bk might have No Moat - Very weak/transient advantages.

Primary Bk  (OTCPK:PRMY) 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

Primary Bk Moat Score Related Terms

PRMY vs TYFG, INBC, RMBI: Moat Score Comparison

For the Banks - Regional subindustry, Primary Bk'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.

Primary Bk Moat Score vs Banks Industry

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

* The bar in red indicates where Primary Bk's Moat Score falls into.


PRMY
64GF Score
Primary Bk PRMY
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 3 mean?
Primary Bk (PRMY) has a Moat Score of 3 as of Jun. 26, 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, Primary Bk ranks #412 out of 1610 companies in the Banks industry, placing it in the top 25.6%.
Is Primary Bk's Moat Score too high?
Primary Bk's current Moat Score is 3. Based on the distribution chart, Primary Bk ranks #412 out of 1610 companies in the Banks industry, which is above the industry midpoint. Overall, Primary Bk has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Primary Bk's Moat Score compare to TYFG and INBC?
According to the Banks industry distribution chart, Primary Bk ranks #412 out of 1610 companies for Moat Score. This puts Primary Bk 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. Primary Bk's current Moat Score is 3. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Primary Bk stock overvalued right now?
Based on GuruFocus' analysis, Primary Bk (PRMY) is currently considered Modestly Overvalued. The stock's GF Value™ is $25.60, compared to a current price of $29.89 — trading 16.7% above its estimated fair value. The current Moat Score is 3. Primary Bk's overall GF Score™ is 64/100 with 3 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 Primary Bk (PRMY), the current Moat Score is 3 as of Jun. 26, 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 Primary Bk (PRMY) Overvalued in 2026?

Based on GuruFocus' analysis, Primary Bk stock appears to be overvalued. The current stock price of $29.89 is trading 16.7% above its estimated GF Value™ of $25.60. GuruFocus considers Primary Bk to be Modestly Overvalued.

Key valuation signals for PRMY:

  • Moat Score: 3
  • GF Value™: $25.60 vs. price of $29.89 (16.7% above fair value)
  • GF Score™: 64/100 with 3 warning signs

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

Primary Bk Business Description

Address 207 Route 101, Bedford, NH, USA, 03110
Primary Bk is a banking service provider. The services offered by the bank include online banking, mobile banking, remote deposit, cash management, and credit cards. The Bank provides a variety of financial services to small and medium-sized businesses, professionals, municipalities, and not-for-profit organizations through its offices in Bedford, Manchester, Derry, and Nashua, New Hampshire.
64GF Score

Get the complete analysis for PRMY

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

$29.89
Price
$25.60
GF Value