Kiyo Bank (TSE:8370) Moat Score: 0/10 (As of Jul. 11, 2026)


TSE:8370 Kiyo Bank Ltd TSE:8370
58 GF Score
Price 円4,605.00
GF Value 円2,739.69
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Kiyo Bank Moat Score?

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

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

Kiyo Bank  (TSE:8370) 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

Kiyo Bank Moat Score Related Terms

TSE:8370
58GF Score
Kiyo Bank Ltd TSE:8370
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Kiyo Bank (TSE:8370) Overvalued in 2026?

Based on GuruFocus' analysis, Kiyo Bank stock appears to be overvalued. The current stock price of 円4,605.00 is trading 68.1% above its estimated GF Value™ of 円2,739.69. GuruFocus considers Kiyo Bank to be Significantly Overvalued.

Key valuation signals for TSE:8370:

  • Moat Score: 0
  • GF Value™: 円2,739.69 vs. price of 円4,605.00 (68.1% above fair value)
  • GF Score™: 58/100 with 6 warning signs

No single metric tells the full story. See the TSE:8370 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Kiyo Bank Business Description

Address 35, Honmachi 1-chome, Chiyoda-Ku, Wakayama, JPN, 640-8656
Kiyo Bank Ltd provides banking products and services to individuals, corporations, and small businesses in Japan. Its branch network is concentrated between Wakayama prefecture and Osaka prefecture, with a small number of branches in Nara prefecture and Tokyo. The bank generates almost all revenue domestically. The core revenue driver is banking products which include deposits, loans, insurance, pensions, investment trusts, Internet banking, farm banking, and credit and debit cards. The bank also offers other services such as mergers and acquisition advisory, securities investment and trading of government bonds.
58GF Score

Get the complete analysis for TSE:8370

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

円4,605.00
Price
円2,739.69
GF Value