EFSG (Enterprise Financial Services Group) Moat Score: 3/10 (As of Aug. 03, 2026)

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EFSG Enterprise Financial Services Group Inc EFSG
41 GF Score
Price $32.00
GF Value $21.69
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Enterprise Financial Services Group Moat Score?

Enterprise Financial Services Group EFSG 41 Moat Score is 3 as of Aug. 03, 2026. GuruFocus rates EFSG with a GF Score™ of 41/100 and a GF Value™ of $21.69 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,608 Banks companies, Enterprise Financial Services Group ranks better than 74.63% on this metric.

Enterprise Financial Services Group has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Enterprise Financial Services Group has No Moat: Enterprise Financial Services Group Inc has limited competitive advantages, with no significant market leadership or cost advantages, resulting in a very weak moat.

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 Enterprise Financial Services Group might have No Moat - Very weak/transient advantages.

Enterprise Financial Services Group  (OTCPK:EFSG) 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

Enterprise Financial Services Group Moat Score Related Terms

EFSG vs BHDB, HCKG, EXCH: Moat Score Comparison

For the Banks - Regional subindustry, Enterprise Financial Services Group'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.

Enterprise Financial Services Group Moat Score vs Banks Industry

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

* The bar in red indicates where Enterprise Financial Services Group's Moat Score falls into.


EFSG
41GF Score
Enterprise Financial Services Group Inc EFSG
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 3 mean?
Enterprise Financial Services Group (EFSG) has a Moat Score of 3 as of Aug. 03, 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, Enterprise Financial Services Group ranks #408 out of 1608 companies in the Banks industry, placing it in the top 25.4%.
Is Enterprise Financial Services Group's Moat Score too high?
Enterprise Financial Services Group's current Moat Score is 3. Based on the distribution chart, Enterprise Financial Services Group ranks #408 out of 1608 companies in the Banks industry, which is above the industry midpoint. Overall, Enterprise Financial Services Group has a GF Score™ of 41/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Enterprise Financial Services Group's Moat Score compare to BHDB and HCKG?
According to the Banks industry distribution chart, Enterprise Financial Services Group ranks #408 out of 1608 companies for Moat Score. This puts Enterprise Financial Services Group in the upper half of its industry. 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. Enterprise Financial Services Group's current Moat Score is 3. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Enterprise Financial Services Group stock overvalued right now?
Based on GuruFocus' analysis, Enterprise Financial Services Group (EFSG) is currently considered Significantly Overvalued. The stock's GF Value™ is $21.69, compared to a current price of $32.00 — trading 47.5% above its estimated fair value. The current Moat Score is 3. Enterprise Financial Services Group's overall GF Score™ is 41/100 with 6 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 Enterprise Financial Services Group (EFSG), the current Moat Score is 3 as of Aug. 03, 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 Enterprise Financial Services Group (EFSG) Overvalued in 2026?

Based on GuruFocus' analysis, Enterprise Financial Services Group stock appears to be overvalued. The current stock price of $32.00 is trading 47.5% above its estimated GF Value™ of $21.69. GuruFocus considers Enterprise Financial Services Group to be Significantly Overvalued.

Key valuation signals for EFSG:

  • Moat Score: 3
  • GF Value™: $21.69 vs. price of $32.00 (47.5% above fair value)
  • GF Score™: 41/100 with 6 warning signs

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

Enterprise Financial Services Group Business Description

Address 4091 Mount Royal Boulevard, Allison Park, PA, USA, 15101-2917
Enterprise Financial Services Group Inc is a bank holding company. The company, through its holding, provides banking products and services including personal banking, business banking, business financing, insurance and commercial loans. The primary source of revenue is from providing commercial loans to business customers located within Allegheny and its bi-contiguous counties.
41GF Score

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

$32.00
Price
$21.69
GF Value