Toho Bank (TSE:8346) Moat Score: 0/10 (As of Jul. 11, 2026)


TSE:8346 Toho Bank Ltd TSE:8346
47 GF Score
Price 円820.00
GF Value 円419.19
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Toho Bank Moat Score?

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

Toho Bank 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 Toho Bank might have No Moat - No discernible moat.

Toho Bank  (TSE:8346) 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

Toho Bank Moat Score Related Terms

TSE:8346
47GF Score
Toho Bank Ltd TSE:8346
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Toho Bank (TSE:8346) Overvalued in 2026?

Based on GuruFocus' analysis, Toho Bank stock appears to be overvalued. The current stock price of 円820.00 is trading 95.6% above its estimated GF Value™ of 円419.19. GuruFocus considers Toho Bank to be Significantly Overvalued.

Key valuation signals for TSE:8346:

  • Moat Score: 0
  • GF Value™: 円419.19 vs. price of 円820.00 (95.6% above fair value)
  • GF Score™: 47/100 with 6 warning signs

No single metric tells the full story. See the TSE:8346 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Toho Bank Business Description

Address 3-25, Ohmachi, Fukushima, JPN, 960-8633
Toho Bank Ltd is a Japanese regional commercial bank group operating in the Fukushima prefecture of the island nation. The group consists of a bank and seven subsidiaries, which provide banking, leasing, credit card, and credit guaranteeing services. The banking business consists of money transfer, lending, foreign exchange services, and associate businesses. Most of the group's earnings assets are in loans and bill discounted, followed by securities. Net interest income and fees and commissions income generate most of the group's income.
47GF Score

Get the complete analysis for TSE:8346

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

円820.00
Price
円419.19
GF Value