FTFI (First Berlin Bancorp) Moat Score: 2/10 (As of Jul. 01, 2026)


FTFI First Berlin Bancorp Inc FTFI
42 GF Score
Price $38.25
GF Value $27.11
Valuation Significantly Overvalued
! 4 Warning Signs
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What is First Berlin Bancorp Moat Score?

First Berlin Bancorp FTFI 42 Moat Score is 2 as of Jul. 01, 2026. GuruFocus rates FTFI with a GF Score™ of 42/100 and a GF Value™ of $27.11 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,611 Banks companies, First Berlin Bancorp ranks better than 59.84% on this metric.

First Berlin Bancorp has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

First Berlin Bancorp has No Moat: First Berlin Bancorp Inc lacks significant competitive advantages. It operates in a highly competitive banking sector with no discernible market leadership, network effects, or proprietary technology that would provide a sustainable edge.

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 First Berlin Bancorp might have No Moat - Very weak/transient advantages.

First Berlin Bancorp  (OTCPK:FTFI) 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

First Berlin Bancorp Moat Score Related Terms

FTFI vs NWPP, CYVF, AUBN: Moat Score Comparison

For the Banks - Regional subindustry, First Berlin 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.

First Berlin Bancorp Moat Score vs Banks Industry

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

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


FTFI
42GF Score
First Berlin Bancorp Inc FTFI
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 2 mean?
First Berlin Bancorp (FTFI) has a Moat Score of 2 as of Jul. 01, 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, First Berlin Bancorp ranks #647 out of 1611 companies in the Banks industry, placing it in the top 40.2%.
Is First Berlin Bancorp's Moat Score too high?
First Berlin Bancorp's current Moat Score is 2. Based on the distribution chart, First Berlin Bancorp ranks #647 out of 1611 companies in the Banks industry, which is above the industry midpoint. Overall, First Berlin Bancorp has a GF Score™ of 42/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Berlin Bancorp's Moat Score compare to NWPP and CYVF?
According to the Banks industry distribution chart, First Berlin Bancorp ranks #647 out of 1611 companies for Moat Score. This puts First Berlin Bancorp in the upper half of its industry. 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. First Berlin Bancorp's current Moat Score is 2. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Berlin Bancorp stock overvalued right now?
Based on GuruFocus' analysis, First Berlin Bancorp (FTFI) is currently considered Significantly Overvalued. The stock's GF Value™ is $27.11, compared to a current price of $38.25 — trading 41.1% above its estimated fair value. The current Moat Score is 2. First Berlin Bancorp's overall GF Score™ is 42/100 with 4 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 First Berlin Bancorp (FTFI), the current Moat Score is 2 as of Jul. 01, 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 First Berlin Bancorp (FTFI) Overvalued in 2026?

Based on GuruFocus' analysis, First Berlin Bancorp stock appears to be overvalued. The current stock price of $38.25 is trading 41.1% above its estimated GF Value™ of $27.11. GuruFocus considers First Berlin Bancorp to be Significantly Overvalued.

Key valuation signals for FTFI:

  • Moat Score: 2
  • GF Value™: $27.11 vs. price of $38.25 (41.1% above fair value)
  • GF Score™: 42/100 with 4 warning signs

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

First Berlin Bancorp Business Description

Address 140 West Huron Street, Berlin, WI, USA, 54923
First Berlin Bancorp Inc is a state charted bank providing a full range of financial services including the granting of agribusiness, commercial, residential and consumer loans and accepting deposits from customers mainly in Central Wisconsin.
42GF Score

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

$38.25
Price
$27.11
GF Value