VWFB (VWF Bancorp) Moat Score: 2/10 (As of Jul. 16, 2026)

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VWFB VWF Bancorp Inc VWFB
36 GF Score
Price $15.23
GF Value $29.76
Valuation Significantly Undervalued
! 6 Warning Signs
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What is VWF Bancorp Moat Score?

VWF Bancorp VWFB 36 Moat Score is 2 as of Jul. 16, 2026. GuruFocus rates VWFB with a GF Score™ of 36/100 and a GF Value™ of $29.76 (Significantly Undervalued). The stock has 6 warning signs investors should review. Among 1,610 Banks companies, VWF Bancorp ranks better than 59.88% on this metric.

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

VWF Bancorp has No Moat: VWF Bancorp Inc operates in a competitive banking sector with limited market share and no significant cost advantages. The company lacks strong brand strength, intellectual property, 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 VWF Bancorp might have No Moat - Very weak/transient advantages.

VWF Bancorp  (OTCPK:VWFB) 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

VWF Bancorp Moat Score Related Terms

VWFB vs PFSB, CNBZ, ELMA: Moat Score Comparison

For the Banks - Regional subindustry, VWF 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.

VWF Bancorp Moat Score vs Banks Industry

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

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


VWFB
36GF Score
VWF Bancorp Inc VWFB
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?
VWF Bancorp (VWFB) has a Moat Score of 2 as of Jul. 16, 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, VWF Bancorp ranks #646 out of 1610 companies in the Banks industry, placing it in the top 40.1%.
Is VWF Bancorp's Moat Score too high?
VWF Bancorp's current Moat Score is 2. Based on the distribution chart, VWF Bancorp ranks #646 out of 1610 companies in the Banks industry, which is above the industry midpoint. Overall, VWF Bancorp has a GF Score™ of 36/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does VWF Bancorp's Moat Score compare to PFSB and CNBZ?
According to the Banks industry distribution chart, VWF Bancorp ranks #646 out of 1610 companies for Moat Score. This puts VWF 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. VWF 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 VWF Bancorp stock overvalued right now?
Based on GuruFocus' analysis, VWF Bancorp (VWFB) is currently considered Significantly Undervalued. The stock's GF Value™ is $29.76, compared to a current price of $15.23 — trading 48.8% below its estimated fair value. The current Moat Score is 2. VWF Bancorp's overall GF Score™ is 36/100 with 6 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 VWF Bancorp (VWFB), the current Moat Score is 2 as of Jul. 16, 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 VWF Bancorp (VWFB) Overvalued in 2026?

Based on GuruFocus' analysis, VWF Bancorp stock appears to be undervalued. The current stock price of $15.23 is trading 48.8% below its estimated GF Value™ of $29.76. GuruFocus considers VWF Bancorp to be Significantly Undervalued.

Key valuation signals for VWFB:

  • Moat Score: 2
  • GF Value™: $29.76 vs. price of $15.23 (48.8% below fair value)
  • GF Score™: 36/100 with 6 warning signs

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

VWF Bancorp Business Description

Address 976 South Shannon Street, Van Wert, OH, USA, 45891
VWF Bancorp Inc operates as a savings and loan holding company for GreenWay Bank. The firm, through its subsidiaries, engages in the business of making residential mortgage loans and accepting deposits.
36GF Score

Get the complete analysis for VWFB

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

$15.23
Price
$29.76
GF Value