CF Bankshares (FRA:2BM) Moat Score: 2/10 (As of Jul. 06, 2026)


FRA:2BM CF Bankshares Inc FRA:2BM
58 GF Score
Price €27.80
GF Value €23.52
! 6 Warning Signs
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What is CF Bankshares Moat Score?

CF Bankshares FRA:2BM -3.30% 58 Moat Score is 2 as of Jul. 06, 2026. GuruFocus rates FRA:2BM with a GF Score™ of 58/100 and a GF Value™ of €23.52. The stock has 6 warning signs investors should review. Among 1,612 Banks companies, CF Bankshares ranks better than 59.93% on this metric.

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

CF Bankshares has No Moat: CFBK operates in a competitive banking sector with limited market share and lacks significant customer switching costs or brand strength. The company does not exhibit durable cost advantages or regulatory barriers that would provide a competitive edge.

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 CF Bankshares might have No Moat - Very weak/transient advantages.

CF Bankshares  (FRA:2BM) 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

CF Bankshares Moat Score Related Terms

FRA:2BM vs PSBQ, PBNC, FINW: Moat Score Comparison

For the Banks - Regional subindustry, CF Bankshares'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.

CF Bankshares Moat Score vs Banks Industry

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

* The bar in red indicates where CF Bankshares's Moat Score falls into.


FRA:2BM
58GF Score
CF Bankshares Inc FRA:2BM
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?
CF Bankshares (FRA:2BM) has a Moat Score of 2 as of Jul. 06, 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, CF Bankshares ranks #646 out of 1612 companies in the Banks industry, placing it in the top 40.1%.
Is CF Bankshares' Moat Score too high?
CF Bankshares' current Moat Score is 2. Based on the distribution chart, CF Bankshares ranks #646 out of 1612 companies in the Banks industry, which is above the industry midpoint. Overall, CF Bankshares has a GF Score™ of 58/100, reflecting its overall financial health beyond just this single metric.
How does CF Bankshares' Moat Score compare to PSBQ and PBNC?
According to the Banks industry distribution chart, CF Bankshares ranks #646 out of 1612 companies for Moat Score. This puts CF Bankshares 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. CF Bankshares'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 CF Bankshares stock overvalued right now?
CF Bankshares (FRA:2BM) has a current Moat Score of 2. The stock's GF Value™ is €23.52, compared to a current price of €27.80 — trading 18.2% above its estimated fair value. The current Moat Score is 2. CF Bankshares' overall GF Score™ is 58/100 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 CF Bankshares (FRA:2BM), the current Moat Score is 2 as of Jul. 06, 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 CF Bankshares (FRA:2BM) Overvalued in 2026?

Based on GuruFocus' analysis, CF Bankshares stock appears to be overvalued. The current stock price of €27.80 is trading 18.2% above its estimated GF Value™ of €23.52.

Key valuation signals for FRA:2BM:

  • Moat Score: 2
  • GF Value™: €23.52 vs. price of €27.80 (18.2% above fair value)
  • GF Score™: 58/100 with 6 warning signs

No single metric tells the full story. See the FRA:2BM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

CF Bankshares Business Description

Other Exchanges CFBK:USA
Address 4960 East Dublin Granville Road, Suite 400, Columbus, OH, USA, 43081
CF Bankshares Inc is engaged in the provision of a variety of financial services. It provides personalized business banking products and services, including commercial loans and leases, commercial and residential real estate loans, equipment leasing, SBA loans, and treasury management depository services. The revenues are derived principally from the interest and fees on loans originated and noninterest income generated on the sale of loans.
58GF Score

Get the complete analysis for FRA:2BM

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

€27.80
Price
€23.52
GF Value