Western New England Bancorp (FRA:489) Moat Score: 3/10 (As of Jul. 03, 2026)


FRA:489 Western New England Bancorp Inc FRA:489
67 GF Score
Price €12.50
GF Value €8.98
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Western New England Bancorp Moat Score?

Western New England Bancorp FRA:489 +17.92% 67 Moat Score is 3 as of Jul. 03, 2026. GuruFocus rates FRA:489 with a GF Score™ of 67/100 and a GF Value™ of €8.98 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,611 Banks companies, Western New England Bancorp ranks better than 74.49% on this metric.

Western New England Bancorp has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Western New England Bancorp has No Moat: Western New England Bancorp Inc has transient advantages with limited market leadership and no significant network effects or cost advantages. Its regional focus limits its 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 Western New England Bancorp might have No Moat - Very weak/transient advantages.

Western New England Bancorp  (FRA:489) 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

Western New England Bancorp Moat Score Related Terms

FRA:489 vs CCFN, FNRN, FUNC: Moat Score Comparison

For the Banks - Regional subindustry, Western New England Bancorp'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.

Western New England Bancorp Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Western New England Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where Western New England Bancorp's Moat Score falls into.


FRA:489
67GF Score
Western New England Bancorp Inc FRA:489
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?
Western New England Bancorp (FRA:489) has a Moat Score of 3 as of Jul. 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, Western New England Bancorp ranks #411 out of 1611 companies in the Banks industry, placing it in the top 25.5%.
Is Western New England Bancorp's Moat Score too high?
Western New England Bancorp's current Moat Score is 3. Based on the distribution chart, Western New England Bancorp ranks #411 out of 1611 companies in the Banks industry, which is above the industry midpoint. Overall, Western New England Bancorp has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Western New England Bancorp's Moat Score compare to CCFN and FNRN?
According to the Banks industry distribution chart, Western New England Bancorp ranks #411 out of 1611 companies for Moat Score. This puts Western New England Bancorp 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. Western New England Bancorp'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 Western New England Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Western New England Bancorp (FRA:489) is currently considered Significantly Overvalued. The stock's GF Value™ is €8.98, compared to a current price of €12.50 — trading 39.2% above its estimated fair value. The current Moat Score is 3. Western New England Bancorp's overall GF Score™ is 67/100 with 7 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 Western New England Bancorp (FRA:489), the current Moat Score is 3 as of Jul. 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 Western New England Bancorp (FRA:489) Overvalued in 2026?

Based on GuruFocus' analysis, Western New England Bancorp stock appears to be overvalued. The current stock price of €12.50 is trading 39.2% above its estimated GF Value™ of €8.98. GuruFocus considers Western New England Bancorp to be Significantly Overvalued.

Key valuation signals for FRA:489:

  • Moat Score: 3
  • GF Value™: €8.98 vs. price of €12.50 (39.2% above fair value)
  • GF Score™: 67/100 with 7 warning signs

No single metric tells the full story. See the FRA:489 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Western New England Bancorp Business Description

Other Exchanges WNEB:USA
Address 141 Elm Street, Westfield, MA, USA, 01085
Western New England Bancorp Inc through its bank subsidiary, provides a range of financial services to individuals and companies in western Massachusetts and northern Connecticut. These services include commercial lending, residential lending and consumer lending, checking, savings and time deposits, cash management, and wealth management. Substantially all of the company's revenues, profits, and assets are derived by the Bank from banking products and services.
67GF Score

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

€12.50
Price
€8.98
GF Value