Prime Commercial Bank (XNEP:PCBL) Moat Score: 0/10 (As of Jul. 16, 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.

XNEP:PCBL Prime Commercial Bank Ltd XNEP:PCBL
95 GF Score
Price NPR232.00
GF Value NPR258.82
Valuation Modestly Undervalued
! 1 Warning Sign
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What is Prime Commercial Bank Moat Score?

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

Prime Commercial 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 Prime Commercial Bank might have No Moat - No discernible moat.

Prime Commercial Bank  (XNEP:PCBL) 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

Prime Commercial Bank Moat Score Related Terms

XNEP:PCBL
95GF Score
Prime Commercial Bank Ltd XNEP:PCBL
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Prime Commercial Bank (XNEP:PCBL) Overvalued in 2026?

Based on GuruFocus' analysis, Prime Commercial Bank stock appears to be undervalued. The current stock price of NPR232.00 is trading 10.4% below its estimated GF Value™ of NPR258.82. GuruFocus considers Prime Commercial Bank to be Modestly Undervalued.

Key valuation signals for XNEP:PCBL:

  • Moat Score: 0
  • GF Value™: NPR258.82 vs. price of NPR232.00 (10.4% below fair value)
  • GF Score™: 95/100 with 1 warning sign

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

Prime Commercial Bank Business Description

Address Kamalpokhari, Kathmandu, NPL
Prime Commercial Bank Ltd is a commercial bank in Nepal. The company's operating segment includes Banking Operation; Treasury; Card and Others. It generates maximum revenue from the Banking Operation segment. The company is engaged in providing personal banking, business banking, retail banking and other services including SMS banking, E-Banking services, and other remittance services.
95GF Score

Get the complete analysis for XNEP:PCBL

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

NPR232.00
Price
NPR258.82
GF Value