Jyoti Bikas Bank (XNEP:JBBL) Moat Score: 0/10 (As of Jul. 24, 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.
Reviewed by: Charlie Tian Charlie Tian
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.

XNEP:JBBL Jyoti Bikas Bank Ltd XNEP:JBBL
72 GF Score
Price NPR364.10
GF Value NPR329.63
Valuation Fairly Valued
! 3 Warning Signs
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What is Jyoti Bikas Bank Moat Score?

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

Jyoti Bikas 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 Jyoti Bikas Bank might have No Moat - No discernible moat.

Jyoti Bikas Bank  (XNEP:JBBL) 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

Jyoti Bikas Bank Moat Score Related Terms

XNEP:JBBL
72GF Score
Jyoti Bikas Bank Ltd XNEP:JBBL
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Jyoti Bikas Bank (XNEP:JBBL) Overvalued in 2026?

Based on GuruFocus' analysis, Jyoti Bikas Bank stock appears to be overvalued. The current stock price of NPR364.10 is trading 10.5% above its estimated GF Value™ of NPR329.63. GuruFocus considers Jyoti Bikas Bank to be Fairly Valued.

Key valuation signals for XNEP:JBBL:

  • Moat Score: 0
  • GF Value™: NPR329.63 vs. price of NPR364.10 (10.5% above fair value)
  • GF Score™: 72/100 with 3 warning signs

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

Jyoti Bikas Bank Business Description

Address Kamalpokhari, Kathmandu, NPL
Jyoti Bikas Bank Ltd provides standard banking services in Nepal. The company focuses on financing the development of hydropower and infrastructure and providing banking facilities to the general public for various purposes. The Bank operates in the following segments: Core Banking, Micro Finance, Treasury, and Digital Banking & Others. The majority of the revenue is generated from the Core Banking segment. All the revenues come from the domestic market.
72GF Score

Get the complete analysis for XNEP:JBBL

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

NPR364.10
Price
NPR329.63
GF Value