BPER Banca SpA (FRA:4BE) Moat Score: 4/10 (As of Jul. 07, 2026)


FRA:4BE BPER Banca SpA FRA:4BE
58 GF Score
Price €14.10
GF Value €5.03
Valuation Significantly Overvalued
! 8 Warning Signs
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What is BPER Banca SpA Moat Score?

BPER Banca SpA FRA:4BE +2.19% 58 Moat Score is 4 as of Jul. 07, 2026. GuruFocus rates FRA:4BE with a GF Score™ of 58/100 and a GF Value™ of €5.03 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,611 Banks companies, BPER Banca SpA ranks better than 86.22% on this metric.

BPER Banca SpA has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

BPER Banca SpA has Narrow Moat: BPER Banca SpA has a modest moat due to its established market presence in Italy and a strong customer base. However, it faces significant competition and lacks substantial network effects or unique intellectual property. Its cost advantages are limited, and regulatory barriers are not exclusive.

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 BPER Banca SpA might have Narrow Moat - Discernible but modest moat.

BPER Banca SpA  (FRA:4BE) 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

BPER Banca SpA Moat Score Related Terms

BPER Banca SpA Moat Score Competitor Comparison

For the Banks - Regional subindustry, BPER Banca SpA'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.

BPER Banca SpA Moat Score vs Banks Industry

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

* The bar in red indicates where BPER Banca SpA's Moat Score falls into.


FRA:4BE
58GF Score
BPER Banca SpA FRA:4BE
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 4 mean?
BPER Banca SpA (FRA:4BE) has a Moat Score of 4 as of Jul. 07, 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, BPER Banca SpA ranks #222 out of 1611 companies in the Banks industry, placing it in the top 13.8%.
Is BPER Banca SpA's Moat Score too high?
BPER Banca SpA's current Moat Score is 4. Based on the distribution chart, BPER Banca SpA ranks #222 out of 1611 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, BPER Banca SpA has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BPER Banca SpA's Moat Score compare to competitors?
According to the Banks industry distribution chart, BPER Banca SpA ranks #222 out of 1611 companies for Moat Score. This places BPER Banca SpA in the top 14% of its industry — outperforming the majority of peers. 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. BPER Banca SpA's current Moat Score is 4. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BPER Banca SpA stock overvalued right now?
Based on GuruFocus' analysis, BPER Banca SpA (FRA:4BE) is currently considered Significantly Overvalued. The stock's GF Value™ is €5.03, compared to a current price of €14.10 — trading 180.2% above its estimated fair value. The current Moat Score is 4. BPER Banca SpA's overall GF Score™ is 58/100 with 8 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 BPER Banca SpA (FRA:4BE), the current Moat Score is 4 as of Jul. 07, 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 BPER Banca SpA (FRA:4BE) Overvalued in 2026?

Based on GuruFocus' analysis, BPER Banca SpA stock appears to be overvalued. The current stock price of €14.10 is trading 180.2% above its estimated GF Value™ of €5.03. GuruFocus considers BPER Banca SpA to be Significantly Overvalued.

Key valuation signals for FRA:4BE:

  • Moat Score: 4
  • GF Value™: €5.03 vs. price of €14.10 (180.2% above fair value)
  • GF Score™: 58/100 with 8 warning signs

No single metric tells the full story. See the FRA:4BE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

BPER Banca SpA Business Description

Address Via San Carlo 8/20, Modena, ITA, 41121
BPER Banca SpA is a banking group consisting of four Italian regional commercial banks that merged on the initiative of BPER Banca. The banks are involved in a number of market segments, including retail banking, corporate and investment banking, and wealth management and insurance. In addition to the banks, the Group includes product companies, including asset management, personal loans, leasing, and factoring operations, and special purpose vehicles. Its strategy emphasizes customer service and cooperative banking. BPER group's customer base overwhelming derives from retail banking, mostly from individuals with some business deposits. Its loan base, however, is principally the group's corporate customers.
58GF Score

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

€14.10
Price
€5.03
GF Value