Public Bank Bhd (XKLS:1295) Moat Score: 7/10 (As of Jul. 06, 2026)


XKLS:1295 Public Bank Bhd XKLS:1295
75 GF Score
Price RM4.89
GF Value RM4.74
Valuation Fairly Valued
! 2 Warning Signs
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What is Public Bank Bhd Moat Score?

Public Bank Bhd XKLS:1295 +1.03% 75 Moat Score is 7 as of Jul. 06, 2026. GuruFocus rates XKLS:1295 with a GF Score™ of 75/100 and a GF Value™ of RM4.74 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,612 Banks companies, Public Bank Bhd ranks better than 99.44% on this metric.

Public Bank Bhd has the Moat Score of 7, which implies that the company might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

Public Bank Bhd has Wide Moat: Public Bank Bhd possesses a wide moat with strong market leadership, significant customer loyalty, and regulatory barriers in the banking sector. Its superior distribution network and pricing power further solidify its durable competitive advantages.

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 Public Bank Bhd might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

Public Bank Bhd  (XKLS:1295) 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

Public Bank Bhd Moat Score Related Terms

Public Bank Bhd Moat Score Competitor Comparison

For the Banks - Regional subindustry, Public Bank Bhd'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.

Public Bank Bhd Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Public Bank Bhd's Moat Score distribution charts can be found below:

* The bar in red indicates where Public Bank Bhd's Moat Score falls into.


XKLS:1295
75GF Score
Public Bank Bhd XKLS:1295
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 7 mean?
Public Bank Bhd (XKLS:1295) has a Moat Score of 7 as of Jul. 06, 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, Public Bank Bhd ranks #9 out of 1612 companies in the Banks industry, placing it in the top 0.59999999999999%.
Is Public Bank Bhd's Moat Score too high?
Public Bank Bhd's current Moat Score is 7. Based on the distribution chart, Public Bank Bhd ranks #9 out of 1612 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Public Bank Bhd has a GF Score™ of 75/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Public Bank Bhd's Moat Score compare to competitors?
According to the Banks industry distribution chart, Public Bank Bhd ranks #9 out of 1612 companies for Moat Score. This places Public Bank Bhd in the top 1% 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. Public Bank Bhd's current Moat Score is 7. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Public Bank Bhd stock overvalued right now?
Based on GuruFocus' analysis, Public Bank Bhd (XKLS:1295) is currently considered Fairly Valued. The stock's GF Value™ is RM4.74, compared to a current price of RM4.89 — trading 3.2% above its estimated fair value. The current Moat Score is 7. Public Bank Bhd's overall GF Score™ is 75/100 with 2 warning signs to review. 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 Public Bank Bhd (XKLS:1295), the current Moat Score is 7 as of Jul. 06, 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 Public Bank Bhd (XKLS:1295) Overvalued in 2026?

Based on GuruFocus' analysis, Public Bank Bhd stock appears to be overvalued. The current stock price of RM4.89 is trading 3.2% above its estimated GF Value™ of RM4.74. GuruFocus considers Public Bank Bhd to be Fairly Valued.

Key valuation signals for XKLS:1295:

  • Moat Score: 7
  • GF Value™: RM4.74 vs. price of RM4.89 (3.2% above fair value)
  • GF Score™: 75/100 with 2 warning signs

No single metric tells the full story. See the XKLS:1295 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Public Bank Bhd Business Description

Address 146, Jalan Ampang, 27th Floor, Menara Public Bank, Kuala Lumpur, SGR, MYS, 50450
Public Bank Bhd is a Malaysian banking group that provides a range of financial products and services, including personal banking, commercial banking, Islamic banking, investment banking, share broking, trustee services, nominee services, sale and management of unit trust funds, bancassurance, and general insurance products. In addition to its mostly Malaysian operational presence, the bank is exposed to other Southeast Asian nations through some of its branches. It emphasizes organic growth in the retail banking business, particularly among retail consumers and small and medium-sized enterprises. The majority of its revenue comes from the Retail Operations segment. Public Bank offers a suite of banking products and services through its extensive branch network and infrastructure.
75GF Score

Get the complete analysis for XKLS:1295

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

RM4.89
Price
RM4.74
GF Value