WOBK (Woodsboro Bk MD) Moat Score: 3/10 (As of Jul. 02, 2026)


WOBK Woodsboro Bk MD WOBK
57 GF Score
Price $85.00
GF Value $64.98
Valuation Significantly Overvalued
! 4 Warning Signs
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What is Woodsboro Bk MD Moat Score?

Woodsboro Bk MD WOBK 57 Moat Score is 3 as of Jul. 02, 2026. GuruFocus rates WOBK with a GF Score™ of 57/100 and a GF Value™ of $64.98 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,612 Banks companies, Woodsboro Bk MD ranks better than 74.5% on this metric.

Woodsboro Bk MD has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Woodsboro Bk MD has No Moat: Woodsboro Bk MD operates in a highly competitive banking sector with limited market leadership and no significant network effects or switching costs. The bank lacks strong brand strength, durable cost advantages, or significant 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 Woodsboro Bk MD might have No Moat - Very weak/transient advantages.

Woodsboro Bk MD  (OTCPK:WOBK) 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

Woodsboro Bk MD Moat Score Related Terms

WOBK vs FBPA, RBNK, JFWV: Moat Score Comparison

For the Banks - Regional subindustry, Woodsboro Bk MD'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.

Woodsboro Bk MD Moat Score vs Banks Industry

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

* The bar in red indicates where Woodsboro Bk MD's Moat Score falls into.


WOBK
57GF Score
Woodsboro Bk MD WOBK
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?
Woodsboro Bk MD (WOBK) has a Moat Score of 3 as of Jul. 02, 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, Woodsboro Bk MD ranks #411 out of 1612 companies in the Banks industry, placing it in the top 25.5%.
Is Woodsboro Bk MD's Moat Score too high?
Woodsboro Bk MD's current Moat Score is 3. Based on the distribution chart, Woodsboro Bk MD ranks #411 out of 1612 companies in the Banks industry, which is above the industry midpoint. Overall, Woodsboro Bk MD has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Woodsboro Bk MD's Moat Score compare to FBPA and RBNK?
According to the Banks industry distribution chart, Woodsboro Bk MD ranks #411 out of 1612 companies for Moat Score. This puts Woodsboro Bk MD 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. Woodsboro Bk MD'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 Woodsboro Bk MD stock overvalued right now?
Based on GuruFocus' analysis, Woodsboro Bk MD (WOBK) is currently considered Significantly Overvalued. The stock's GF Value™ is $64.98, compared to a current price of $85.00 — trading 30.8% above its estimated fair value. The current Moat Score is 3. Woodsboro Bk MD's overall GF Score™ is 57/100 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 Woodsboro Bk MD (WOBK), the current Moat Score is 3 as of Jul. 02, 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 Woodsboro Bk MD (WOBK) Overvalued in 2026?

Based on GuruFocus' analysis, Woodsboro Bk MD stock appears to be overvalued. The current stock price of $85.00 is trading 30.8% above its estimated GF Value™ of $64.98. GuruFocus considers Woodsboro Bk MD to be Significantly Overvalued.

Key valuation signals for WOBK:

  • Moat Score: 3
  • GF Value™: $64.98 vs. price of $85.00 (30.8% above fair value)
  • GF Score™: 57/100 with 4 warning signs

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

Woodsboro Bk MD Business Description

Address 5 North Main Street, Woodsboro, MD, USA, 21798
Woodsboro Bk MD provides a variety of financial services to individuals and corporate customers in its principal market area of Frederick County, Maryland through its five offices in Woodsboro, Frederick, and Thurmont, Maryland. The Bank's loans are categorized into seven segments: commercial real estate, residential real estate, multifamily real estate, real estate construction, other construction and land development, commercial and consumer loans.
57GF Score

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

$85.00
Price
$64.98
GF Value