STBI (Sturgis Bancorp) Moat Score: 3/10 (As of Jun. 29, 2026)


STBI Sturgis Bancorp Inc STBI
76 GF Score
Price $26.20
GF Value $21.27
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Sturgis Bancorp Moat Score?

Sturgis Bancorp STBI -0.80% 76 Moat Score is 3 as of Jun. 29, 2026. GuruFocus rates STBI with a GF Score™ of 76/100 and a GF Value™ of $21.27 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,614 Banks companies, Sturgis Bancorp ranks better than 74.54% on this metric.

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

Sturgis Bancorp has No Moat: Sturgis Bancorp has very weak competitive advantages, with limited market share and no significant intellectual property. The company operates in a highly competitive banking sector with minimal customer switching costs and lacks economies of scale or pricing power.

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

Sturgis Bancorp  (OTCPK:STBI) 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

Sturgis Bancorp Moat Score Related Terms

STBI vs NEFB, BBBK, BAOB: Moat Score Comparison

For the Banks - Regional subindustry, Sturgis 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.

Sturgis Bancorp Moat Score vs Banks Industry

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

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


STBI
76GF Score
Sturgis Bancorp Inc STBI
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?
Sturgis Bancorp (STBI) has a Moat Score of 3 as of Jun. 29, 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, Sturgis Bancorp ranks #411 out of 1614 companies in the Banks industry, placing it in the top 25.5%.
Is Sturgis Bancorp's Moat Score too high?
Sturgis Bancorp's current Moat Score is 3. Based on the distribution chart, Sturgis Bancorp ranks #411 out of 1614 companies in the Banks industry, which is above the industry midpoint. Overall, Sturgis Bancorp has a GF Score™ of 76/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sturgis Bancorp's Moat Score compare to NEFB and BBBK?
According to the Banks industry distribution chart, Sturgis Bancorp ranks #411 out of 1614 companies for Moat Score. This puts Sturgis 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. Sturgis 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 Sturgis Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Sturgis Bancorp (STBI) is currently considered Modestly Overvalued. The stock's GF Value™ is $21.27, compared to a current price of $26.20 — trading 23.2% above its estimated fair value. The current Moat Score is 3. Sturgis Bancorp's overall GF Score™ is 76/100 with 6 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 Sturgis Bancorp (STBI), the current Moat Score is 3 as of Jun. 29, 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 Sturgis Bancorp (STBI) Overvalued in 2026?

Based on GuruFocus' analysis, Sturgis Bancorp stock appears to be overvalued. The current stock price of $26.20 is trading 23.2% above its estimated GF Value™ of $21.27. GuruFocus considers Sturgis Bancorp to be Modestly Overvalued.

Key valuation signals for STBI:

  • Moat Score: 3
  • GF Value™: $21.27 vs. price of $26.20 (23.2% above fair value)
  • GF Score™: 76/100 with 6 warning signs

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

Sturgis Bancorp Business Description

Address 113-125 East Chicago Road, P.O. Box 600, Sturgis, MI, USA, 49091
Sturgis Bancorp Inc is a bank holding company operating predominantly in the southwestern portion of Michigan's Lower Peninsula. Through its subsidiaries, it is engaged in accepting deposits and making commercial and residential mortgage loans; providing various investment and financial advisory services; offering credit cards and different types of loans; and providing title, consumer, and commercial insurance products, among others.
76GF Score

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$26.20
Price
$21.27
GF Value