SEBNF (Seven Bank) Moat Score: 4/10 (As of Jul. 02, 2026)


SEBNF Seven Bank Ltd SEBNF
71 GF Score
Price $1.78
GF Value $2.31
! 2 Warning Signs
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What is Seven Bank Moat Score?

Seven Bank SEBNF 71 Moat Score is 4 as of Jul. 02, 2026. GuruFocus rates SEBNF with a GF Score™ of 71/100 and a GF Value™ of $2.31. The stock has 2 warning signs investors should review. Among 1,612 Banks companies, Seven Bank ranks better than 86.23% on this metric.

Seven Bank has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Seven Bank has Narrow Moat: Seven Bank Ltd has a discernible but modest moat due to its ATM network in Japan, providing some network effects and customer convenience. However, it lacks strong brand strength, pricing power, and significant 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 Seven Bank might have Narrow Moat - Discernible but modest moat.

Seven Bank  (OTCPK:SEBNF) 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

Seven Bank Moat Score Related Terms

Seven Bank Moat Score Competitor Comparison

For the Banks - Regional subindustry, Seven Bank'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.

Seven Bank Moat Score vs Banks Industry

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

* The bar in red indicates where Seven Bank's Moat Score falls into.


SEBNF
71GF Score
Seven Bank Ltd SEBNF
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 4 mean?
Seven Bank (SEBNF) has a Moat Score of 4 as of Jul. 02, 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, Seven Bank ranks #222 out of 1612 companies in the Banks industry, placing it in the top 13.8%.
Is Seven Bank's Moat Score too high?
Seven Bank's current Moat Score is 4. Based on the distribution chart, Seven Bank ranks #222 out of 1612 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Seven Bank has a GF Score™ of 71/100, reflecting its overall financial health beyond just this single metric.
How does Seven Bank's Moat Score compare to competitors?
According to the Banks industry distribution chart, Seven Bank ranks #222 out of 1612 companies for Moat Score. This places Seven Bank in the top 14% of its industry — outperforming the majority of peers. 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. Seven Bank's current Moat Score is 4. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Seven Bank stock overvalued right now?
Seven Bank (SEBNF) has a current Moat Score of 4. The stock's GF Value™ is $2.31, compared to a current price of $1.78 — trading 22.9% below its estimated fair value. The current Moat Score is 4. Seven Bank's overall GF Score™ is 71/100 with 2 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 Seven Bank (SEBNF), the current Moat Score is 4 as of Jul. 02, 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 Seven Bank (SEBNF) Overvalued in 2026?

Based on GuruFocus' analysis, Seven Bank stock appears to be undervalued. The current stock price of $1.78 is trading 22.9% below its estimated GF Value™ of $2.31.

Key valuation signals for SEBNF:

  • Moat Score: 4
  • GF Value™: $2.31 vs. price of $1.78 (22.9% below fair value)
  • GF Score™: 71/100 with 2 warning signs

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

Seven Bank Business Description

Address 6-1 Marunouchi 1-chome, Chiyoda-ku, Tokyo, JPN, 100-0005
Seven Bank Ltd is a Japan-based business bank. It operates a network of ATMs in partnership with financial institutions across Japan. The company's business segments include the ATM Services segment and the Financial Services segment. The ATM Services segment, provides deposits, withdrawals, and bank transfers at more than 22,000 Seven Bank ATMs nationwide using the cards of more than 590 partner institutions. The Financial Services segment provides convenient account-related services, such as ordinary deposits, time deposits, personal loans and international money transfers, which are accessible from not only Seven Bank ATMs but also personal computers and smartphones. Also, the company provides ATM services overseas and back-office support on commission through its subsidiaries.
71GF Score

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

$1.78
Price
$2.31
GF Value