WSSH (West Shore Bank) Moat Score: 3/10 (As of Jun. 30, 2026)


WSSH West Shore Bank Corp WSSH
56 GF Score
Price $43.00
GF Value $34.87
Valuation Modestly Overvalued
! 7 Warning Signs
View Full Analysis

What is West Shore Bank Moat Score?

West Shore Bank WSSH +0.47% 56 Moat Score is 3 as of Jun. 30, 2026. GuruFocus rates WSSH with a GF Score™ of 56/100 and a GF Value™ of $34.87 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,613 Banks companies, West Shore Bank ranks better than 74.52% on this metric.

West Shore Bank has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

West Shore Bank has No Moat: West Shore Bank Corp has limited competitive advantages in the banking sector. While it may have some local customer loyalty, it lacks significant scale, network effects, or regulatory barriers to establish a stronger moat.

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 West Shore Bank might have No Moat - Very weak/transient advantages.

West Shore Bank  (OTCPK:WSSH) 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

West Shore Bank Moat Score Related Terms

WSSH vs GVYB, TBBC, TCBS: Moat Score Comparison

For the Banks - Regional subindustry, West Shore Bank'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.

West Shore Bank Moat Score vs Banks Industry

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

* The bar in red indicates where West Shore Bank's Moat Score falls into.


WSSH
56GF Score
West Shore Bank Corp WSSH
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
West Shore Bank (WSSH) has a Moat Score of 3 as of Jun. 30, 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, West Shore Bank ranks #411 out of 1613 companies in the Banks industry, placing it in the top 25.5%.
Is West Shore Bank's Moat Score too high?
West Shore Bank's current Moat Score is 3. Based on the distribution chart, West Shore Bank ranks #411 out of 1613 companies in the Banks industry, which is above the industry midpoint. Overall, West Shore Bank has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does West Shore Bank's Moat Score compare to GVYB and TBBC?
According to the Banks industry distribution chart, West Shore Bank ranks #411 out of 1613 companies for Moat Score. This puts West Shore Bank 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. West Shore Bank'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 West Shore Bank stock overvalued right now?
Based on GuruFocus' analysis, West Shore Bank (WSSH) is currently considered Modestly Overvalued. The stock's GF Value™ is $34.87, compared to a current price of $43.00 — trading 23.3% above its estimated fair value. The current Moat Score is 3. West Shore Bank's overall GF Score™ is 56/100 with 7 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 West Shore Bank (WSSH), the current Moat Score is 3 as of Jun. 30, 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 West Shore Bank (WSSH) Overvalued in 2026?

Based on GuruFocus' analysis, West Shore Bank stock appears to be overvalued. The current stock price of $43.00 is trading 23.3% above its estimated GF Value™ of $34.87. GuruFocus considers West Shore Bank to be Modestly Overvalued.

Key valuation signals for WSSH:

  • Moat Score: 3
  • GF Value™: $34.87 vs. price of $43.00 (23.3% above fair value)
  • GF Score™: 56/100 with 7 warning signs

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

West Shore Bank Business Description

Address 201 West Loomis Street, PO Box 627, Ludington, MI, USA, 49431-2012
West Shore Bank Corp is a provider of banking and financial service. The banks services include time savings, demand deposits and checking account services; commercial, consumer and mortgage loan services; treasury and cash management services; wealth management and investment services; telephone banking, Internet banking and mobile banking services; safe deposit, and automated transaction machine (ATM/ITM) services, among others.
56GF Score

Get the complete analysis for WSSH

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

$43.00
Price
$34.87
GF Value