VP Bank AG (FRA:3VFN) Moat Score: 0/10 (As of Jul. 13, 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.
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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.

FRA:3VFN VP Bank AG FRA:3VFN
66 GF Score
Price €98.50
GF Value €87.31
Valuation Modestly Overvalued
! 4 Warning Signs
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What is VP Bank AG Moat Score?

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

VP Bank AG 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 VP Bank AG might have No Moat - No discernible moat.

VP Bank AG  (FRA:3VFN) 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

VP Bank AG Moat Score Related Terms

FRA:3VFN
66GF Score
VP Bank AG FRA:3VFN
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is VP Bank AG (FRA:3VFN) Overvalued in 2026?

Based on GuruFocus' analysis, VP Bank AG stock appears to be overvalued. The current stock price of €98.50 is trading 12.8% above its estimated GF Value™ of €87.31. GuruFocus considers VP Bank AG to be Modestly Overvalued.

Key valuation signals for FRA:3VFN:

  • Moat Score: 0
  • GF Value™: €87.31 vs. price of €98.50 (12.8% above fair value)
  • GF Score™: 66/100 with 4 warning signs

No single metric tells the full story. See the FRA:3VFN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

VP Bank AG Business Description

Address Aeulestrasse 6, Vaduz, LIE, 9490
VP Bank AG is a private bank. It is in the business of asset management and investment advisory services for private individuals and intermediaries and is also involved in the lending business, money market, and interbank activities and trading activities. The segments in which the company operates are Liechtenstein & BVI, International, Asset Servicing, and Corporate Center. Its geographical segments are Liechtenstein, the Rest of Europe, and Other countries, of which Liechtenstein derives maximum revenue.
66GF Score

Get the complete analysis for FRA:3VFN

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

€98.50
Price
€87.31
GF Value