TMAK (Touchmark Bancshares) Moat Score: 3/10 (As of Jul. 01, 2026)


TMAK Touchmark Bancshares Inc TMAK
56 GF Score
Price $9.50
GF Value $7.71
Valuation Modestly Overvalued
! 5 Warning Signs
View Full Analysis

What is Touchmark Bancshares Moat Score?

Touchmark Bancshares TMAK 56 Moat Score is 3 as of Jul. 01, 2026. GuruFocus rates TMAK with a GF Score™ of 56/100 and a GF Value™ of $7.71 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,611 Banks companies, Touchmark Bancshares ranks better than 74.49% on this metric.

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

Touchmark Bancshares has No Moat: Touchmark Bancshares Inc lacks significant market leadership or unique competitive advantages. The company does not exhibit strong brand strength, customer loyalty, or significant regulatory barriers. Its market share is not substantial enough to create a durable moat, and there are no notable network effects or switching costs.

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 Touchmark Bancshares might have No Moat - Very weak/transient advantages.

Touchmark Bancshares  (OTCPK:TMAK) 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

Touchmark Bancshares Moat Score Related Terms

TMAK vs SOUB, ESBS, SCYT: Moat Score Comparison

For the Banks - Regional subindustry, Touchmark Bancshares'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.

Touchmark Bancshares Moat Score vs Banks Industry

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

* The bar in red indicates where Touchmark Bancshares's Moat Score falls into.


TMAK
56GF Score
Touchmark Bancshares Inc TMAK
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Touchmark Bancshares (TMAK) has a Moat Score of 3 as of Jul. 01, 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, Touchmark Bancshares ranks #411 out of 1611 companies in the Banks industry, placing it in the top 25.5%.
Is Touchmark Bancshares' Moat Score too high?
Touchmark Bancshares' current Moat Score is 3. Based on the distribution chart, Touchmark Bancshares ranks #411 out of 1611 companies in the Banks industry, which is above the industry midpoint. Overall, Touchmark Bancshares has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Touchmark Bancshares' Moat Score compare to SOUB and ESBS?
According to the Banks industry distribution chart, Touchmark Bancshares ranks #411 out of 1611 companies for Moat Score. This puts Touchmark Bancshares 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. Touchmark Bancshares'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 Touchmark Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Touchmark Bancshares (TMAK) is currently considered Modestly Overvalued. The stock's GF Value™ is $7.71, compared to a current price of $9.50 — trading 23.2% above its estimated fair value. The current Moat Score is 3. Touchmark Bancshares' overall GF Score™ is 56/100 with 5 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 Touchmark Bancshares (TMAK), the current Moat Score is 3 as of Jul. 01, 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 Touchmark Bancshares (TMAK) Overvalued in 2026?

Based on GuruFocus' analysis, Touchmark Bancshares stock appears to be overvalued. The current stock price of $9.50 is trading 23.2% above its estimated GF Value™ of $7.71. GuruFocus considers Touchmark Bancshares to be Modestly Overvalued.

Key valuation signals for TMAK:

  • Moat Score: 3
  • GF Value™: $7.71 vs. price of $9.50 (23.2% above fair value)
  • GF Score™: 56/100 with 5 warning signs

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

Touchmark Bancshares Business Description

Address 3651 Old Milton Parkway, Alpharetta, GA, USA, 30005
Touchmark Bancshares Inc, through its banking subsidiary, Touchmark National Bank, provides banking services to small- to mid-sized commercial, professional, and service companies and consumers. It offers services including Online banking, Personal banking, Business banking, and SBA. Its sources of revenue are derived from the Bank's loans to customers and its investment portfolio.
56GF Score

Get the complete analysis for TMAK

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

$9.50
Price
$7.71
GF Value