Bank of Tianjin Co (STU:B95) Moat Score: 0/10 (As of Sep. 21, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

STU:B95 Bank of Tianjin Co Ltd STU:B95
55 GF Score
Price €0.22
GF Value €0.21
! 4 Warning Signs
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What is Bank of Tianjin Co Moat Score?

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

Bank of Tianjin Co 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 Tianjin Co might have No Moat - No discernible moat.

Bank of Tianjin Co  (STU:B95) 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 Tianjin Co Moat Score Related Terms

STU:B95
55GF Score
Bank of Tianjin Co Ltd STU:B95
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Bank of Tianjin Co (STU:B95) Overvalued in 2026?

Based on GuruFocus' analysis, Bank of Tianjin Co stock appears to be overvalued. The current stock price of €0.22 is trading 4.8% above its estimated GF Value™ of €0.21.

Key valuation signals for STU:B95:

  • Moat Score: 0
  • GF Value™: €0.21 vs. price of €0.22 (4.8% above fair value)
  • GF Score™: 55/100 with 4 warning signs

No single metric tells the full story. See the STU:B95 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Bank of Tianjin Co Business Description

Other Exchanges 01578:Hong KongB95:Germany
Address No. 15 Youyi Road, Hexi District, Tianjin, CHN, 300201
Bank of Tianjin Co Ltd is engaged in corporate banking, personal banking, treasury operations, and other financial services, providing a diversified range of banking products and services. The corporate banking segment, which generates maximum revenue, offers loans, trade financing, deposit-taking, and intermediary services to corporations, government agencies, and financial institutions. The personal banking segment provides loans, deposits, card business, wealth management, and intermediary services to individual customers. The treasury operations segment conducts money market, foreign exchange, precious metals, and derivatives transactions, and debt instrument investments for its own accounts or on behalf of customers.
55GF Score

Get the complete analysis for STU:B95

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

€0.22
Price
€0.21
GF Value