Patria Bank (FRA:5VH) Moat Score: 0/10 (As of Aug. 14, 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:5VH Patria Bank SA FRA:5VH
36 GF Score
Price €0.02
GF Value €0.01
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Patria Bank Moat Score?

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

Patria Bank 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 Patria Bank might have No Moat - No discernible moat.

Patria Bank  (FRA:5VH) 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

Patria Bank Moat Score Related Terms

FRA:5VH
36GF Score
Patria Bank SA FRA:5VH
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Patria Bank (FRA:5VH) Overvalued in 2026?

Based on GuruFocus' analysis, Patria Bank stock appears to be overvalued. The current stock price of €0.02 is trading 100% above its estimated GF Value™ of €0.01. GuruFocus considers Patria Bank to be Significantly Overvalued.

Key valuation signals for FRA:5VH:

  • Moat Score: 0
  • GF Value™: €0.01 vs. price of €0.02 (100% above fair value)
  • GF Score™: 36/100 with 6 warning signs

No single metric tells the full story. See the FRA:5VH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Patria Bank Business Description

Other Exchanges PBK:Romania
Address 42 Pipera Road, Globalworth Plaza building, floors 7, 8 and 10, Bucharest, ROU, 020112
Patria Bank SA provides the whole range of banking services for individuals and legal entities, including deposits, cash management, lending and foreign exchange operations. It provides traditional banking services and products, including payment orders, documentary transactions and issuance of letters of credit and guarantees. The company carries out its activity in Romania.
36GF Score

Get the complete analysis for FRA:5VH

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

€0.02
Price
€0.01
GF Value