TBBC (Triad Business Bank) Moat Score: 2/10 (As of Aug. 02, 2026)

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TBBC Triad Business Bank TBBC
67 GF Score
Price $6.51
GF Value $5.43
Valuation Modestly Overvalued
! 2 Warning Signs
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What is Triad Business Bank Moat Score?

Triad Business Bank TBBC 67 Moat Score is 2 as of Aug. 02, 2026. GuruFocus rates TBBC with a GF Score™ of 67/100 and a GF Value™ of $5.43 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 1,609 Banks companies, Triad Business Bank ranks better than 60.04% on this metric.

Triad Business Bank has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

Triad Business Bank has No Moat: Triad Business Bank has minimal market leadership and lacks significant customer switching costs or regulatory barriers. Its competitive position is weak with no discernible durable advantages.

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 Triad Business Bank might have No Moat - Very weak/transient advantages.

Triad Business Bank  (OTCPK:TBBC) 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

Triad Business Bank Moat Score Related Terms

TBBC vs DENI, FGFI, WSSH: Moat Score Comparison

For the Banks - Regional subindustry, Triad Business 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.

Triad Business Bank Moat Score vs Banks Industry

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

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


TBBC
67GF Score
Triad Business Bank TBBC
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 2 mean?
Triad Business Bank (TBBC) has a Moat Score of 2 as of Aug. 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, Triad Business Bank ranks #643 out of 1609 companies in the Banks industry, placing it in the top 40%.
Is Triad Business Bank's Moat Score too high?
Triad Business Bank's current Moat Score is 2. Based on the distribution chart, Triad Business Bank ranks #643 out of 1609 companies in the Banks industry, which is above the industry midpoint. Overall, Triad Business Bank has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Triad Business Bank's Moat Score compare to DENI and FGFI?
According to the Banks industry distribution chart, Triad Business Bank ranks #643 out of 1609 companies for Moat Score. This puts Triad Business Bank 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. Triad Business Bank's current Moat Score is 2. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Triad Business Bank stock overvalued right now?
Based on GuruFocus' analysis, Triad Business Bank (TBBC) is currently considered Modestly Overvalued. The stock's GF Value™ is $5.43, compared to a current price of $6.51 — trading 19.9% above its estimated fair value. The current Moat Score is 2. Triad Business Bank's overall GF Score™ is 67/100 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 Triad Business Bank (TBBC), the current Moat Score is 2 as of Aug. 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 Triad Business Bank (TBBC) Overvalued in 2026?

Based on GuruFocus' analysis, Triad Business Bank stock appears to be overvalued. The current stock price of $6.51 is trading 19.9% above its estimated GF Value™ of $5.43. GuruFocus considers Triad Business Bank to be Modestly Overvalued.

Key valuation signals for TBBC:

  • Moat Score: 2
  • GF Value™: $5.43 vs. price of $6.51 (19.9% above fair value)
  • GF Score™: 67/100 with 2 warning signs

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

Triad Business Bank Business Description

Address 1501 Highwoods Boulevard, Suite 103, Greensboro, NC, USA, 27410
Triad Business Bank is engaged in the provision of financial products and services operating through its banking offices in the Triad region of North Carolina, USA. It offers a range of private banking, commercial banking, and treasury solutions, which include products and services like checking accounts, debit cards and online services, loans, money market accounts, and cash management solutions, among others.
67GF Score

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

$6.51
Price
$5.43
GF Value