GVYB (Golden VY Bancshares) Moat Score: 3/10 (As of Jul. 03, 2026)


GVYB Golden VY Bancshares Inc GVYB
53 GF Score
Price $26.00
GF Value $22.53
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Golden VY Bancshares Moat Score?

Golden VY Bancshares GVYB 53 Moat Score is 3 as of Jul. 03, 2026. GuruFocus rates GVYB with a GF Score™ of 53/100 and a GF Value™ of $22.53 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,611 Banks companies, Golden VY Bancshares ranks better than 74.49% on this metric.

Golden VY Bancshares has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Golden VY Bancshares has No Moat: Golden VY Bancshares Inc operates in a competitive financial sector with limited differentiation. The company lacks significant market share, customer loyalty, and regulatory barriers, resulting in a transient competitive advantage.

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 Golden VY Bancshares might have No Moat - Very weak/transient advantages.

Golden VY Bancshares  (OTCPK:GVYB) 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

Golden VY Bancshares Moat Score Related Terms

GVYB vs WSSH, TBBC, TCBS: Moat Score Comparison

For the Banks - Regional subindustry, Golden VY Bancshares'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.

Golden VY Bancshares Moat Score vs Banks Industry

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

* The bar in red indicates where Golden VY Bancshares's Moat Score falls into.


GVYB
53GF Score
Golden VY Bancshares Inc GVYB
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 3 mean?
Golden VY Bancshares (GVYB) has a Moat Score of 3 as of Jul. 03, 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, Golden VY Bancshares ranks #411 out of 1611 companies in the Banks industry, placing it in the top 25.5%.
Is Golden VY Bancshares' Moat Score too high?
Golden VY Bancshares' current Moat Score is 3. Based on the distribution chart, Golden VY Bancshares ranks #411 out of 1611 companies in the Banks industry, which is above the industry midpoint. Overall, Golden VY Bancshares has a GF Score™ of 53/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Golden VY Bancshares' Moat Score compare to WSSH and TBBC?
According to the Banks industry distribution chart, Golden VY Bancshares ranks #411 out of 1611 companies for Moat Score. This puts Golden VY Bancshares 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. Golden VY Bancshares's current Moat Score is 3. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Golden VY Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Golden VY Bancshares (GVYB) is currently considered Modestly Overvalued. The stock's GF Value™ is $22.53, compared to a current price of $26.00 — trading 15.4% above its estimated fair value. The current Moat Score is 3. Golden VY Bancshares' overall GF Score™ is 53/100 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 Golden VY Bancshares (GVYB), the current Moat Score is 3 as of Jul. 03, 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 Golden VY Bancshares (GVYB) Overvalued in 2026?

Based on GuruFocus' analysis, Golden VY Bancshares stock appears to be overvalued. The current stock price of $26.00 is trading 15.4% above its estimated GF Value™ of $22.53. GuruFocus considers Golden VY Bancshares to be Modestly Overvalued.

Key valuation signals for GVYB:

  • Moat Score: 3
  • GF Value™: $22.53 vs. price of $26.00 (15.4% above fair value)
  • GF Score™: 53/100 with 4 warning signs

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

Golden VY Bancshares Business Description

Address 190 Cohasset Road, Suite 170, Chico, CA, USA, 95926
Golden VY Bancshares Inc is the parent company of its wholly-owned subsidiary, Golden Valley Bank. The Bank is a commercial bank that provides a wide range of loans, deposit products, and services to its surrounding communities in Butte, Shasta, and surrounding counties.
53GF Score

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

$26.00
Price
$22.53
GF Value