FDVA (Freedom Financial Holdings) Moat Score: 2/10 (As of Sep. 14, 2026)

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FDVA Freedom Financial Holdings Inc FDVA
60 GF Score
Price $11.95
GF Value $11.12
Valuation Fairly Valued
! 3 Warning Signs
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What is Freedom Financial Holdings Moat Score?

Freedom Financial Holdings FDVA -0.42% 60 Moat Score is 2 as of Sep. 14, 2026. GuruFocus rates FDVA with a GF Score™ of 60/100 and a GF Value™ of $11.12 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,598 Banks companies, Freedom Financial Holdings ranks better than 60.14% on this metric.

Freedom Financial Holdings has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

Freedom Financial Holdings has No Moat: Freedom Financial Holdings Inc lacks significant competitive advantages, with no strong market leadership, network effects, or proprietary technology. The company does not exhibit strong brand strength or customer loyalty, and there are no notable regulatory barriers.

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 Freedom Financial Holdings might have No Moat - Very weak/transient advantages.

Freedom Financial Holdings  (OTCPK:FDVA) 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

Freedom Financial Holdings Moat Score Related Terms

FDVA vs PBKC, SOBS, AUBN: Moat Score Comparison

For the Banks - Regional subindustry, Freedom Financial Holdings'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.

Freedom Financial Holdings Moat Score vs Banks Industry

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

* The bar in red indicates where Freedom Financial Holdings's Moat Score falls into.


FDVA
60GF Score
Freedom Financial Holdings Inc FDVA
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 2 mean?
Freedom Financial Holdings (FDVA) has a Moat Score of 2 as of Sep. 14, 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, Freedom Financial Holdings ranks #637 out of 1598 companies in the Banks industry, placing it in the top 39.9%.
Is Freedom Financial Holdings' Moat Score too high?
Freedom Financial Holdings' current Moat Score is 2. Based on the distribution chart, Freedom Financial Holdings ranks #637 out of 1598 companies in the Banks industry, which is above the industry midpoint. Overall, Freedom Financial Holdings has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Freedom Financial Holdings' Moat Score compare to PBKC and SOBS?
According to the Banks industry distribution chart, Freedom Financial Holdings ranks #637 out of 1598 companies for Moat Score. This puts Freedom Financial Holdings 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. Freedom Financial Holdings's current Moat Score is 2. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Freedom Financial Holdings stock overvalued right now?
Based on GuruFocus' analysis, Freedom Financial Holdings (FDVA) is currently considered Fairly Valued. The stock's GF Value™ is $11.12, compared to a current price of $11.95 — trading 7.5% above its estimated fair value. The current Moat Score is 2. Freedom Financial Holdings' overall GF Score™ is 60/100 with 3 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 Freedom Financial Holdings (FDVA), the current Moat Score is 2 as of Sep. 14, 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 Freedom Financial Holdings (FDVA) Overvalued in 2026?

Based on GuruFocus' analysis, Freedom Financial Holdings stock appears to be overvalued. The current stock price of $11.95 is trading 7.5% above its estimated GF Value™ of $11.12. GuruFocus considers Freedom Financial Holdings to be Fairly Valued.

Key valuation signals for FDVA:

  • Moat Score: 2
  • GF Value™: $11.12 vs. price of $11.95 (7.5% above fair value)
  • GF Score™: 60/100 with 3 warning signs

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

Freedom Financial Holdings Business Description

Address 10555 Main Street, Suite 100, Fairfax, VA, USA, 22030
Freedom Financial Holdings Inc is a bank holding company. Through its banking subsidiary, it provides various banking products and services such as checking accounts, savings accounts, certificates of deposits, online and mobile banking services, different types of loans and advances, credit cards, and merchant services, among others. The company conducts its business activities through its single reportable segment: community banking. Community banking revolves around serving the community and customers where the bank has branches and offices. Community banking consists of lending, depository, and trust relationships.
60GF Score

Get the complete analysis for FDVA

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

$11.95
Price
$11.12
GF Value