Sanima Bank (XNEP:SANIMA) Moat Score: 0/10 (As of Aug. 12, 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:SANIMA Sanima Bank Ltd XNEP:SANIMA
98 GF Score
Price NPR369.00
GF Value NPR382.38
Valuation Fairly Valued
! 2 Warning Signs
View Full Analysis

What is Sanima Bank Moat Score?

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

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

Sanima Bank  (XNEP:SANIMA) 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

Sanima Bank Moat Score Related Terms

XNEP:SANIMA
98GF Score
Sanima Bank Ltd XNEP:SANIMA
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is Sanima Bank (XNEP:SANIMA) Overvalued in 2026?

Based on GuruFocus' analysis, Sanima Bank stock appears to be undervalued. The current stock price of NPR369.00 is trading 3.5% below its estimated GF Value™ of NPR382.38. GuruFocus considers Sanima Bank to be Fairly Valued.

Key valuation signals for XNEP:SANIMA:

  • Moat Score: 0
  • GF Value™: NPR382.38 vs. price of NPR369.00 (3.5% below fair value)
  • GF Score™: 98/100 with 2 warning signs

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

Sanima Bank Business Description

Address Alakapuri Building, Naxal, G.P.O. Box: 20394, Kathmandu, NPL, 20394
Sanima Bank Ltd is a registered bank operating in Nepal. It offers various banking and related services to individuals and corporate customers. The company provides retail and commercial banking products such as savings, current accounts, deposits, fixed deposits, staff salary account and remittance saving account. It also offers credit facilities to individuals including home loan, education loan, auto loan, overdraft, agro equipment loan, personal loan, gold loan as well as it provides microenterprises loan, project financing, corporate loan, term loan, small-medium enterprise (SME) loan and commercial vehicle loan to corporates. In addition, it provides trade finance, online banking, mobile banking, priority banking, and others. Most of the company's revenue comes from Nepal.
98GF Score

Get the complete analysis for XNEP:SANIMA

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

NPR369.00
Price
NPR382.38
GF Value