SSBP (SSB Bancorp) Moat Score: 3/10 (As of Jun. 27, 2026)


SSBP SSB Bancorp Inc SSBP
71 GF Score
Price $16.10
GF Value $14.06
Valuation Modestly Overvalued
! 3 Warning Signs
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What is SSB Bancorp Moat Score?

SSB Bancorp SSBP +0.28% 71 Moat Score is 3 as of Jun. 27, 2026. GuruFocus rates SSBP with a GF Score™ of 71/100 and a GF Value™ of $14.06 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,610 Banks companies, SSB Bancorp ranks better than 74.41% on this metric.

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

SSB Bancorp has No Moat: SSB Bancorp Inc lacks a discernible moat. It operates in a competitive banking sector with minimal market leadership or customer switching costs. The company does not possess significant intellectual property, brand strength, or regulatory advantages that would provide a sustainable competitive edge.

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

SSB Bancorp  (OTCPK:SSBP) 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

SSB Bancorp Moat Score Related Terms

SSBP vs OTTW, PCLB, EFSG: Moat Score Comparison

For the Banks - Regional subindustry, SSB 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.

SSB Bancorp Moat Score vs Banks Industry

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

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


SSBP
71GF Score
SSB Bancorp Inc SSBP
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?
SSB Bancorp (SSBP) has a Moat Score of 3 as of Jun. 27, 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, SSB Bancorp ranks #412 out of 1610 companies in the Banks industry, placing it in the top 25.6%.
Is SSB Bancorp's Moat Score too high?
SSB Bancorp's current Moat Score is 3. Based on the distribution chart, SSB Bancorp ranks #412 out of 1610 companies in the Banks industry, which is above the industry midpoint. Overall, SSB Bancorp has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SSB Bancorp's Moat Score compare to OTTW and PCLB?
According to the Banks industry distribution chart, SSB Bancorp ranks #412 out of 1610 companies for Moat Score. This puts SSB 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. SSB Bancorp'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 SSB Bancorp stock overvalued right now?
Based on GuruFocus' analysis, SSB Bancorp (SSBP) is currently considered Modestly Overvalued. The stock's GF Value™ is $14.06, compared to a current price of $16.10 — trading 14.5% above its estimated fair value. The current Moat Score is 3. SSB Bancorp's overall GF Score™ is 71/100 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 SSB Bancorp (SSBP), the current Moat Score is 3 as of Jun. 27, 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 SSB Bancorp (SSBP) Overvalued in 2026?

Based on GuruFocus' analysis, SSB Bancorp stock appears to be overvalued. The current stock price of $16.10 is trading 14.5% above its estimated GF Value™ of $14.06. GuruFocus considers SSB Bancorp to be Modestly Overvalued.

Key valuation signals for SSBP:

  • Moat Score: 3
  • GF Value™: $14.06 vs. price of $16.10 (14.5% above fair value)
  • GF Score™: 71/100 with 3 warning signs

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

SSB Bancorp Business Description

Address 8700 Perry Highway, Pittsburgh, PA, USA, 15237
SSB Bancorp Inc is engaged in the provision of financial services to individuals and corporate customers. The bank offers deposits, loans, consumer financing, certificate of deposits, mortgage loans, card services, internet banking, insurance, and other related services. It operates in single reportable segment that is community banking.
71GF Score

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

$16.10
Price
$14.06
GF Value