Sparebank 1 Ostfold Akershus (STU:Y4X) Moat Score: 0/10 (As of Jul. 21, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

STU:Y4X Sparebank 1 Ostfold Akershus STU:Y4X
66 GF Score
Price €37.61
GF Value €35.00
! 6 Warning Signs
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What is Sparebank 1 Ostfold Akershus Moat Score?

Sparebank 1 Ostfold Akershus has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Sparebank 1 Ostfold Akershus has

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 Sparebank 1 Ostfold Akershus might have No Moat - No discernible moat.

Sparebank 1 Ostfold Akershus  (STU:Y4X) 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

Sparebank 1 Ostfold Akershus Moat Score Related Terms

STU:Y4X
66GF Score
Sparebank 1 Ostfold Akershus STU:Y4X
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Sparebank 1 Ostfold Akershus (STU:Y4X) Overvalued in 2026?

Based on GuruFocus' analysis, Sparebank 1 Ostfold Akershus stock appears to be overvalued. The current stock price of €37.61 is trading 7.4% above its estimated GF Value™ of €35.00.

Key valuation signals for STU:Y4X:

  • Moat Score: 0
  • GF Value™: €35.00 vs. price of €37.61 (7.4% above fair value)
  • GF Score™: 66/100 with 6 warning signs

No single metric tells the full story. See the STU:Y4X stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Sparebank 1 Ostfold Akershus Business Description

Other Exchanges SOAG:Norway
Address Kongensgate 21, Moss, NOR, 1501
Sparebank 1 Ostfold Akershus is a regional savings bank operating through SpareBank 1 Corp. It offers a range of financial services including loans, savings, advice, insurance and pensions to personal and corporate customers. The Bank also offers credit cards, debit cards, structured products, stock savings, mobile banking and online banking services.
66GF Score

Get the complete analysis for STU:Y4X

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

€37.61
Price
€35.00
GF Value