West Bancorp (FRA:WB3) Moat Score: 4/10 (As of Jul. 04, 2026)


FRA:WB3 West Bancorp Inc FRA:WB3
58 GF Score
Price €23.40
GF Value €21.24
! 7 Warning Signs
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What is West Bancorp Moat Score?

West Bancorp FRA:WB3 -1.68% 58 Moat Score is 4 as of Jul. 04, 2026. GuruFocus rates FRA:WB3 with a GF Score™ of 58/100 and a GF Value™ of €21.24. The stock has 7 warning signs investors should review. Among 1,611 Banks companies, West Bancorp ranks better than 86.22% on this metric.

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

West Bancorp has Narrow Moat: West Bancorp Inc has a modest moat due to its regional market leadership and customer loyalty. However, it lacks significant network effects, intellectual property, or regulatory barriers that would strengthen its position further.

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 West Bancorp might have Narrow Moat - Discernible but modest moat.

West Bancorp  (FRA:WB3) 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

West Bancorp Moat Score Related Terms

FRA:WB3 vs RBB, CBK, BMRC: Moat Score Comparison

For the Banks - Regional subindustry, West 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.

West Bancorp Moat Score vs Banks Industry

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

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


FRA:WB3
58GF Score
West Bancorp Inc FRA:WB3
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?
West Bancorp (FRA:WB3) has a Moat Score of 4 as of Jul. 04, 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, West Bancorp ranks #222 out of 1611 companies in the Banks industry, placing it in the top 13.8%.
Is West Bancorp's Moat Score too high?
West Bancorp's current Moat Score is 4. Based on the distribution chart, West Bancorp ranks #222 out of 1611 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, West Bancorp has a GF Score™ of 58/100, reflecting its overall financial health beyond just this single metric.
How does West Bancorp's Moat Score compare to RBB and CBK?
According to the Banks industry distribution chart, West Bancorp ranks #222 out of 1611 companies for Moat Score. This places West Bancorp 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. West Bancorp'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 West Bancorp stock overvalued right now?
West Bancorp (FRA:WB3) has a current Moat Score of 4. The stock's GF Value™ is €21.24, compared to a current price of €23.40 — trading 10.2% above its estimated fair value. The current Moat Score is 4. West Bancorp's overall GF Score™ is 58/100 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 West Bancorp (FRA:WB3), the current Moat Score is 4 as of Jul. 04, 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 West Bancorp (FRA:WB3) Overvalued in 2026?

Based on GuruFocus' analysis, West Bancorp stock appears to be overvalued. The current stock price of €23.40 is trading 10.2% above its estimated GF Value™ of €21.24.

Key valuation signals for FRA:WB3:

  • Moat Score: 4
  • GF Value™: €21.24 vs. price of €23.40 (10.2% above fair value)
  • GF Score™: 58/100 with 7 warning signs

No single metric tells the full story. See the FRA:WB3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

West Bancorp Business Description

Other Exchanges WTBA:USA
Address 3330 Westown Parkway, West Des Moines, IA, USA, 50266
West Bancorp Inc is a United States-based company that offers a full range of deposit services, including checking, savings, and money market accounts and time certificates of deposit. West Bank also offers online banking, mobile banking, and treasury management services, which help to meet the banking needs of its customers. Treasury management services offered to business customers include cash management, client-generated automated clearing house transactions, remote deposit, and fraud protection services. Also offered are merchant credit card processing and corporate credit cards. The bank operates only in the United States of America.
58GF Score

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

€23.40
Price
€21.24
GF Value