Washington Trust Bancorp (FRA:WT1) Moat Score: 4/10 (As of Jul. 08, 2026)


FRA:WT1 Washington Trust Bancorp Inc FRA:WT1
55 GF Score
Price €31.20
GF Value €26.93
Valuation Modestly Overvalued
! 8 Warning Signs
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What is Washington Trust Bancorp Moat Score?

Washington Trust Bancorp FRA:WT1 -6.59% 55 Moat Score is 4 as of Jul. 08, 2026. GuruFocus rates FRA:WT1 with a GF Score™ of 55/100 and a GF Value™ of €26.93 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,610 Banks companies, Washington Trust Bancorp ranks better than 86.21% on this metric.

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

Washington Trust Bancorp has Narrow Moat: Washington Trust Bancorp Inc has a discernible but modest moat, primarily due to its regional market presence and customer relationships. However, it lacks significant cost advantages, intellectual property, or regulatory barriers to elevate it to a stronger 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 Washington Trust Bancorp might have Narrow Moat - Discernible but modest moat.

Washington Trust Bancorp  (FRA:WT1) 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

Washington Trust Bancorp Moat Score Related Terms

FRA:WT1 vs HIFS, AROW, TCBX: Moat Score Comparison

For the Banks - Regional subindustry, Washington Trust 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.

Washington Trust Bancorp Moat Score vs Banks Industry

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

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


FRA:WT1
55GF Score
Washington Trust Bancorp Inc FRA:WT1
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?
Washington Trust Bancorp (FRA:WT1) has a Moat Score of 4 as of Jul. 08, 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, Washington Trust Bancorp ranks #222 out of 1610 companies in the Banks industry, placing it in the top 13.8%.
Is Washington Trust Bancorp's Moat Score too high?
Washington Trust Bancorp's current Moat Score is 4. Based on the distribution chart, Washington Trust Bancorp ranks #222 out of 1610 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Washington Trust Bancorp has a GF Score™ of 55/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Washington Trust Bancorp's Moat Score compare to HIFS and AROW?
According to the Banks industry distribution chart, Washington Trust Bancorp ranks #222 out of 1610 companies for Moat Score. This places Washington Trust 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. Washington Trust 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 Washington Trust Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Washington Trust Bancorp (FRA:WT1) is currently considered Modestly Overvalued. The stock's GF Value™ is €26.93, compared to a current price of €31.20 — trading 15.9% above its estimated fair value. The current Moat Score is 4. Washington Trust Bancorp's overall GF Score™ is 55/100 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 Washington Trust Bancorp (FRA:WT1), the current Moat Score is 4 as of Jul. 08, 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 Washington Trust Bancorp (FRA:WT1) Overvalued in 2026?

Based on GuruFocus' analysis, Washington Trust Bancorp stock appears to be overvalued. The current stock price of €31.20 is trading 15.9% above its estimated GF Value™ of €26.93. GuruFocus considers Washington Trust Bancorp to be Modestly Overvalued.

Key valuation signals for FRA:WT1:

  • Moat Score: 4
  • GF Value™: €26.93 vs. price of €31.20 (15.9% above fair value)
  • GF Score™: 55/100 with 8 warning signs

No single metric tells the full story. See the FRA:WT1 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Washington Trust Bancorp Business Description

Other Exchanges WASH:USA
Address 23 Broad Street, Westerly, RI, USA, 02891
Washington Trust Bancorp Inc through its subsidiaries, offers banking and financial services to individuals and businesses. It offers a full range of financial services, including commercial banking, mortgage banking, personal banking, wealth management, and trust services, through its offices located in Rhode Island, Connecticut, and Massachusetts. It operates in two segments. The Commercial Banking segment includes lending activities, commercial loans, residential real estate loan deposit activities, and others. The Wealth Management Services segment consists of investment management, financial planning, personal trust, and estate services, including services as trustee, personal representative, custodian, and guardian, and settlement of decedents' estates.
55GF Score

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

€31.20
Price
€26.93
GF Value