NCB Financial Group (XJAM:NCBFG) Moat Score: 0/10 (As of Aug. 01, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

XJAM:NCBFG NCB Financial Group Ltd XJAM:NCBFG
60 GF Score
Price JMD74.00
GF Value JMD39.49
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is NCB Financial Group Moat Score?

NCB Financial Group has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

NCB Financial Group 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 NCB Financial Group might have No Moat - No discernible moat.

NCB Financial Group  (XJAM:NCBFG) 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

NCB Financial Group Moat Score Related Terms

XJAM:NCBFG
60GF Score
NCB Financial Group Ltd XJAM:NCBFG
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is NCB Financial Group (XJAM:NCBFG) Overvalued in 2026?

Based on GuruFocus' analysis, NCB Financial Group stock appears to be overvalued. The current stock price of JMD74.00 is trading 87.4% above its estimated GF Value™ of JMD39.49. GuruFocus considers NCB Financial Group to be Significantly Overvalued.

Key valuation signals for XJAM:NCBFG:

  • Moat Score: 0
  • GF Value™: JMD39.49 vs. price of JMD74.00 (87.4% above fair value)
  • GF Score™: 60/100 with 6 warning signs

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

NCB Financial Group Business Description

Other Exchanges NCBFG:Trinidad and Tobago
Address 32 Trafalgar Road, The Atrium, Kingston, JAM, 10
NCB Financial Group Ltd provides financial services. Its segments comprise Banking and Investment Activities which includes Consumer & SME Banking, Corporate and Commerical Banking, Payment services, Treasury and Correspondent banking, Wealth, Asset management, and Investment Banking; And Insurance Activities Life and Health Insurance and pension Management, and General Insurance. Maximum revenue is from Life and Health Insurance and pension Management sector, with maximum profit from Jamaica and Trinidad and Tobago.
60GF Score

Get the complete analysis for XJAM:NCBFG

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

JMD74.00
Price
JMD39.49
GF Value