Valley National Bancorp (FRA:VNB) Moat Score: 5/10 (As of Jul. 05, 2026)


FRA:VNB Valley National Bancorp FRA:VNB
69 GF Score
Price €12.70
GF Value €8.47
! 7 Warning Signs
View Full Analysis

What is Valley National Bancorp Moat Score?

Valley National Bancorp FRA:VNB -1.55% 69 Moat Score is 5 as of Jul. 05, 2026. GuruFocus rates FRA:VNB with a GF Score™ of 69/100 and a GF Value™ of €8.47. The stock has 7 warning signs investors should review. Among 1,612 Banks companies, Valley National Bancorp ranks better than 94.04% on this metric.

Valley National Bancorp has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Valley National Bancorp has Narrow Moat: Valley National Bancorp has a solid narrow moat due to its strong regional market presence and customer loyalty. It benefits from economies of scale and a robust distribution network, but lacks significant network effects or unique intellectual property to warrant a wide moat.

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 Valley National Bancorp might have Narrow Moat - Solid narrow moat.

Valley National Bancorp  (FRA:VNB) 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

Valley National Bancorp Moat Score Related Terms

FRA:VNB vs CBSH, BOKF, PB: Moat Score Comparison

For the Banks - Regional subindustry, Valley National 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.

Valley National Bancorp Moat Score vs Banks Industry

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

* The bar in red indicates where Valley National Bancorp's Moat Score falls into.


FRA:VNB
69GF Score
Valley National Bancorp FRA:VNB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Valley National Bancorp (FRA:VNB) has a Moat Score of 5 as of Jul. 05, 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, Valley National Bancorp ranks #96 out of 1612 companies in the Banks industry, placing it in the top 6%.
Is Valley National Bancorp's Moat Score too high?
Valley National Bancorp's current Moat Score is 5. Based on the distribution chart, Valley National Bancorp ranks #96 out of 1612 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Valley National Bancorp has a GF Score™ of 69/100, reflecting its overall financial health beyond just this single metric.
How does Valley National Bancorp's Moat Score compare to CBSH and BOKF?
According to the Banks industry distribution chart, Valley National Bancorp ranks #96 out of 1612 companies for Moat Score. This places Valley National Bancorp in the top 6% 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. Valley National Bancorp's current Moat Score is 5. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Valley National Bancorp stock overvalued right now?
Valley National Bancorp (FRA:VNB) has a current Moat Score of 5. The stock's GF Value™ is €8.47, compared to a current price of €12.70 — trading 49.9% above its estimated fair value. The current Moat Score is 5. Valley National Bancorp's overall GF Score™ is 69/100 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 Valley National Bancorp (FRA:VNB), the current Moat Score is 5 as of Jul. 05, 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 Valley National Bancorp (FRA:VNB) Overvalued in 2026?

Based on GuruFocus' analysis, Valley National Bancorp stock appears to be overvalued. The current stock price of €12.70 is trading 49.9% above its estimated GF Value™ of €8.47.

Key valuation signals for FRA:VNB:

  • Moat Score: 5
  • GF Value™: €8.47 vs. price of €12.70 (49.9% above fair value)
  • GF Score™: 69/100 with 7 warning signs

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

Valley National Bancorp Business Description

Address One Penn Plaza, New York, NY, USA, 10119
Valley National Bancorp is a bank holding company that offers a full suite of national and regional banking solutions through various commercial, private banking, retail, insurance, and wealth management financial services products. It provides personalized service and customized solutions to assist its customers with their financial service needs. The group also offers niche financial services, including loan and deposit products for homeowners associations, cannabis-related business banking, and venture banking, which offers nationally. It manages its business operations under operating segments consisting of Consumer Banking; Commercial Banking; and Treasury and Corporate Other. The group generates the majority of its revenue from the Commercial Banking Segment.
69GF Score

Get the complete analysis for FRA:VNB

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

€12.70
Price
€8.47
GF Value