GVFF (Greenville Federal Financial) Moat Score: 4/10 (As of Jul. 27, 2026)

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GVFF Greenville Federal Financial Corp GVFF
65 GF Score
Price $7.34
GF Value $7.74
Valuation Fairly Valued
! 2 Warning Signs
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What is Greenville Federal Financial Moat Score?

Greenville Federal Financial GVFF +7.94% 65 Moat Score is 4 as of Jul. 27, 2026. GuruFocus rates GVFF with a GF Score™ of 65/100 and a GF Value™ of $7.74 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,610 Banks companies, Greenville Federal Financial ranks better than 86.27% on this metric.

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

Greenville Federal Financial has Narrow Moat: Greenville Federal Financial Corp has a discernible but modest moat due to its local market presence and customer relationships. However, it lacks significant cost advantages, regulatory barriers, or innovation to strengthen its competitive 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 Greenville Federal Financial might have Narrow Moat - Discernible but modest moat.

Greenville Federal Financial  (OTCPK:GVFF) 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

Greenville Federal Financial Moat Score Related Terms

GVFF vs GLBZ, FNFI, ASCN: Moat Score Comparison

For the Banks - Regional subindustry, Greenville Federal Financial'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.

Greenville Federal Financial Moat Score vs Banks Industry

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

* The bar in red indicates where Greenville Federal Financial's Moat Score falls into.


GVFF
65GF Score
Greenville Federal Financial Corp GVFF
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?
Greenville Federal Financial (GVFF) has a Moat Score of 4 as of Jul. 27, 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, Greenville Federal Financial ranks #221 out of 1610 companies in the Banks industry, placing it in the top 13.7%.
Is Greenville Federal Financial's Moat Score too high?
Greenville Federal Financial's current Moat Score is 4. Based on the distribution chart, Greenville Federal Financial ranks #221 out of 1610 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Greenville Federal Financial has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Greenville Federal Financial's Moat Score compare to GLBZ and FNFI?
According to the Banks industry distribution chart, Greenville Federal Financial ranks #221 out of 1610 companies for Moat Score. This places Greenville Federal Financial 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. Greenville Federal Financial'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 Greenville Federal Financial stock overvalued right now?
Based on GuruFocus' analysis, Greenville Federal Financial (GVFF) is currently considered Fairly Valued. The stock's GF Value™ is $7.74, compared to a current price of $7.34 — trading 5.2% below its estimated fair value. The current Moat Score is 4. Greenville Federal Financial's overall GF Score™ is 65/100 with 2 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 Greenville Federal Financial (GVFF), the current Moat Score is 4 as of Jul. 27, 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 Greenville Federal Financial (GVFF) Overvalued in 2026?

Based on GuruFocus' analysis, Greenville Federal Financial stock appears to be undervalued. The current stock price of $7.34 is trading 5.2% below its estimated GF Value™ of $7.74. GuruFocus considers Greenville Federal Financial to be Fairly Valued.

Key valuation signals for GVFF:

  • Moat Score: 4
  • GF Value™: $7.74 vs. price of $7.34 (5.2% below fair value)
  • GF Score™: 65/100 with 2 warning signs

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

Greenville Federal Financial Business Description

Address 690 Wagner Avenue, Greenville, OH, USA, 45331
Greenville Federal Financial Corporation is engaged in providing financial services. Its primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are residential mortgage, commercial, commercial real estate and consumer loans. It offers services through its main and branch offices in Greenville, Ohio, and branch offices in Troy, Ohio, and Tipp City, Ohio.
65GF Score

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

$7.34
Price
$7.74
GF Value