TRCY (Tri City Bankshares) Moat Score: 4/10 (As of Jul. 08, 2026)


TRCY Tri City Bankshares Corp TRCY
64 GF Score
Price $19.12
GF Value $15.43
Valuation Modestly Overvalued
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What is Tri City Bankshares Moat Score?

Tri City Bankshares TRCY +1.20% 64 Moat Score is 4 as of Jul. 08, 2026. GuruFocus rates TRCY with a GF Score™ of 64/100 and a GF Value™ of $15.43 (Modestly Overvalued). Among 1,610 Banks companies, Tri City Bankshares ranks better than 86.21% on this metric.

Tri City Bankshares has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Tri City Bankshares has Narrow Moat: Tri City Bankshares Corp has a discernible but modest moat due to its regional market presence and customer loyalty. However, it lacks significant economies of scale or strong 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 Tri City Bankshares might have Narrow Moat - Discernible but modest moat.

Tri City Bankshares  (OTCPK:TRCY) 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

Tri City Bankshares Moat Score Related Terms

TRCY vs UBAB, SBKO, ECBK: Moat Score Comparison

For the Banks - Regional subindustry, Tri City Bankshares'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.

Tri City Bankshares Moat Score vs Banks Industry

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

* The bar in red indicates where Tri City Bankshares's Moat Score falls into.


TRCY
64GF Score
Tri City Bankshares Corp TRCY
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 4 mean?
Tri City Bankshares (TRCY) has a Moat Score of 4 as of Jul. 08, 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, Tri City Bankshares ranks #222 out of 1610 companies in the Banks industry, placing it in the top 13.8%.
Is Tri City Bankshares' Moat Score too high?
Tri City Bankshares' current Moat Score is 4. Based on the distribution chart, Tri City Bankshares ranks #222 out of 1610 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Tri City Bankshares has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Tri City Bankshares' Moat Score compare to UBAB and SBKO?
According to the Banks industry distribution chart, Tri City Bankshares ranks #222 out of 1610 companies for Moat Score. This places Tri City Bankshares in the top 14% of its industry — outperforming the majority of peers. 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. Tri City Bankshares's current Moat Score is 4. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Tri City Bankshares stock overvalued right now?
Based on GuruFocus' analysis, Tri City Bankshares (TRCY) is currently considered Modestly Overvalued. The stock's GF Value™ is $15.43, compared to a current price of $19.12 — trading 23.9% above its estimated fair value. The current Moat Score is 4. Tri City Bankshares' overall GF Score™ is 64/100. 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 Tri City Bankshares (TRCY), the current Moat Score is 4 as of Jul. 08, 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 Tri City Bankshares (TRCY) Overvalued in 2026?

Based on GuruFocus' analysis, Tri City Bankshares stock appears to be overvalued. The current stock price of $19.12 is trading 23.9% above its estimated GF Value™ of $15.43. GuruFocus considers Tri City Bankshares to be Modestly Overvalued.

Key valuation signals for TRCY:

  • Moat Score: 4
  • GF Value™: $15.43 vs. price of $19.12 (23.9% above fair value)
  • GF Score™: 64/100

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

Tri City Bankshares Business Description

Address 6400 South 27th Street, Oak Creek, WI, USA, 53154
Tri City Bankshares Corp is a bank holding company. It provides consumer and commercial banking services to individuals and businesses. The services provided by the bank are loan facilities, credit card facilities, reverse mortgages, online banking services, business cards, savings facilities, and other services. It has one reportable segment, community banking.
64GF Score

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

$19.12
Price
$15.43
GF Value