Shiga Bank (TSE:8366) Moat Score: 0/10 (As of Jul. 05, 2026)


TSE:8366 Shiga Bank Ltd TSE:8366
43 GF Score
Price 円2,641.00
GF Value 円1,224.15
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Shiga Bank Moat Score?

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

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

Shiga Bank  (TSE:8366) 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

Shiga Bank Moat Score Related Terms

TSE:8366
43GF Score
Shiga Bank Ltd TSE:8366
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Shiga Bank (TSE:8366) Overvalued in 2026?

Based on GuruFocus' analysis, Shiga Bank stock appears to be overvalued. The current stock price of 円2,641.00 is trading 115.7% above its estimated GF Value™ of 円1,224.15. GuruFocus considers Shiga Bank to be Significantly Overvalued.

Key valuation signals for TSE:8366:

  • Moat Score: 0
  • GF Value™: 円1,224.15 vs. price of 円2,641.00 (115.7% above fair value)
  • GF Score™: 43/100 with 6 warning signs

No single metric tells the full story. See the TSE:8366 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Shiga Bank Business Description

Address 1-38 Hamamachi, Otsu, Shiga, JPN, 520-8686
Shiga Bank Ltd is a Japanese bank that has a majority of its deposit and loan portfolio targeting the Shiga prefecture. The bank's strategy emphasizes regional market penetration to build and grow its current customer base. Its corporate customer acquisition strategy attempts to leverage its financial intermediary functions. Its high-net-worth client acquisition strategy emphasizes pushing trust products and inheritance tax mitigation measures such as real estate. Loans on deeds constitute an overwhelming majority of its loan portfolio. The bank's deposit base, however, is split nearly evenly between ordinary and time deposits.
43GF Score

Get the complete analysis for TSE:8366

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

円2,641.00
Price
円1,224.15
GF Value