FGFI (First Greenwich Financial) Moat Score: 1/10 (As of Jul. 04, 2026)


FGFI First Greenwich Financial Inc FGFI
67 GF Score
Price $19.65
GF Value $21.08
Valuation Fairly Valued
! 3 Warning Signs
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What is First Greenwich Financial Moat Score?

First Greenwich Financial FGFI 67 Moat Score is 1 as of Jul. 04, 2026. GuruFocus rates FGFI with a GF Score™ of 67/100 and a GF Value™ of $21.08 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,611 Banks companies, First Greenwich Financial ranks better than 53.45% on this metric.

First Greenwich Financial has the Moat Score of 1, which implies that the company might have No Moat - Very weak/transient advantages.

First Greenwich Financial has No Moat: First Greenwich Financial Inc has minimal competitive advantages. It operates in a highly competitive financial sector with no significant market share, intellectual property, or cost advantages to protect its position.

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 First Greenwich Financial might have No Moat - Very weak/transient advantages.

First Greenwich Financial  (OTCPK:FGFI) 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

First Greenwich Financial Moat Score Related Terms

FGFI vs DENI, PVBK, TCBS: Moat Score Comparison

For the Banks - Regional subindustry, First Greenwich Financial'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.

First Greenwich Financial Moat Score vs Banks Industry

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

* The bar in red indicates where First Greenwich Financial's Moat Score falls into.


FGFI
67GF Score
First Greenwich Financial Inc FGFI
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 1 mean?
First Greenwich Financial (FGFI) has a Moat Score of 1 as of Jul. 04, 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, First Greenwich Financial ranks #750 out of 1611 companies in the Banks industry, placing it in the top 46.6%.
Is First Greenwich Financial's Moat Score too high?
First Greenwich Financial's current Moat Score is 1. Based on the distribution chart, First Greenwich Financial ranks #750 out of 1611 companies in the Banks industry, which is above the industry midpoint. Overall, First Greenwich Financial has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does First Greenwich Financial's Moat Score compare to DENI and PVBK?
According to the Banks industry distribution chart, First Greenwich Financial ranks #750 out of 1611 companies for Moat Score. This puts First Greenwich Financial 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. First Greenwich Financial's current Moat Score is 1. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Greenwich Financial stock overvalued right now?
Based on GuruFocus' analysis, First Greenwich Financial (FGFI) is currently considered Fairly Valued. The stock's GF Value™ is $21.08, compared to a current price of $19.65 — trading 6.8% below its estimated fair value. The current Moat Score is 1. First Greenwich Financial's overall GF Score™ is 67/100 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 First Greenwich Financial (FGFI), the current Moat Score is 1 as of Jul. 04, 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 First Greenwich Financial (FGFI) Overvalued in 2026?

Based on GuruFocus' analysis, First Greenwich Financial stock appears to be undervalued. The current stock price of $19.65 is trading 6.8% below its estimated GF Value™ of $21.08. GuruFocus considers First Greenwich Financial to be Fairly Valued.

Key valuation signals for FGFI:

  • Moat Score: 1
  • GF Value™: $21.08 vs. price of $19.65 (6.8% below fair value)
  • GF Score™: 67/100 with 3 warning signs

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

First Greenwich Financial Business Description

Address 444 East Putnam Avenue, Cos Cob, CT, USA, 06807
First Greenwich Financial Inc is a United States-based company engaged in attracting deposits from the general public and investing those deposits in residential & commercial real estate loans and consumer & small business loans. It offers services including Certificate of Deposit, Checking, Courier Service, Online Banking, Retirement Accounts, and Lending services, among others.
67GF Score

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

$19.65
Price
$21.08
GF Value