JFWV (JSB Financial) Moat Score: 2/10 (As of Jul. 06, 2026)


JFWV JSB Financial Inc JFWV
54 GF Score
Price $122.00
GF Value $113.52
Valuation Fairly Valued
! 3 Warning Signs
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What is JSB Financial Moat Score?

JSB Financial JFWV 54 Moat Score is 2 as of Jul. 06, 2026. GuruFocus rates JFWV with a GF Score™ of 54/100 and a GF Value™ of $113.52 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,612 Banks companies, JSB Financial ranks better than 59.93% on this metric.

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

JSB Financial has No Moat: JSB Financial lacks significant market share, brand strength, or unique intellectual property. The company does not exhibit strong customer loyalty or regulatory barriers, resulting in a very weak competitive position.

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 JSB Financial might have No Moat - Very weak/transient advantages.

JSB Financial  (OTCPK:JFWV) 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

JSB Financial Moat Score Related Terms

JFWV vs RBNK, WOBK, FBPA: Moat Score Comparison

For the Banks - Regional subindustry, JSB 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.

JSB Financial Moat Score vs Banks Industry

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

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


JFWV
54GF Score
JSB Financial Inc JFWV
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?
JSB Financial (JFWV) has a Moat Score of 2 as of Jul. 06, 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, JSB Financial ranks #646 out of 1612 companies in the Banks industry, placing it in the top 40.1%.
Is JSB Financial's Moat Score too high?
JSB Financial's current Moat Score is 2. Based on the distribution chart, JSB Financial ranks #646 out of 1612 companies in the Banks industry, which is above the industry midpoint. Overall, JSB Financial has a GF Score™ of 54/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does JSB Financial's Moat Score compare to RBNK and WOBK?
According to the Banks industry distribution chart, JSB Financial ranks #646 out of 1612 companies for Moat Score. This puts JSB Financial 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. JSB Financial'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 JSB Financial stock overvalued right now?
Based on GuruFocus' analysis, JSB Financial (JFWV) is currently considered Fairly Valued. The stock's GF Value™ is $113.52, compared to a current price of $122.00 — trading 7.5% above its estimated fair value. The current Moat Score is 2. JSB Financial's overall GF Score™ is 54/100 with 3 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 JSB Financial (JFWV), the current Moat Score is 2 as of Jul. 06, 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 JSB Financial (JFWV) Overvalued in 2026?

Based on GuruFocus' analysis, JSB Financial stock appears to be overvalued. The current stock price of $122.00 is trading 7.5% above its estimated GF Value™ of $113.52. GuruFocus considers JSB Financial to be Fairly Valued.

Key valuation signals for JFWV:

  • Moat Score: 2
  • GF Value™: $113.52 vs. price of $122.00 (7.5% above fair value)
  • GF Score™: 54/100 with 3 warning signs

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

JSB Financial Business Description

Address 105 East Washington Street, P.O. Box 35, Shepherdstown, WV, USA, 25443
JSB Financial Inc provides banking products and services to individuals, agricultural businesses, small and medium enterprises, local government entities, and nonprofit organizations through its offices in Jefferson and Berkeley Counties, West Virginia, and Washington County, Maryland. It operates through a single community banking segment, offering deposit products such as checking, savings, time, and money market accounts, along with personal, credit card, commercial, construction, and real estate loans, and services like safe deposit boxes and wire transfers. Revenue is mainly generated from interest income on loans and investment securities, as well as fees and other income.
54GF Score

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

$122.00
Price
$113.52
GF Value