FBAK (First National Bank Alaska) Moat Score: 4/10 (As of Jun. 28, 2026)


FBAK First National Bank Alaska FBAK
66 GF Score
Price $318.00
GF Value $264.18
Valuation Modestly Overvalued
! 6 Warning Signs
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What is First National Bank Alaska Moat Score?

First National Bank Alaska FBAK -0.56% 66 Moat Score is 4 as of Jun. 28, 2026. GuruFocus rates FBAK with a GF Score™ of 66/100 and a GF Value™ of $264.18 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,614 Banks companies, First National Bank Alaska ranks better than 86.25% on this metric.

First National Bank Alaska has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

First National Bank Alaska has Narrow Moat: First National Bank Alaska has a discernible but modest moat due to its regional market leadership and customer loyalty. It benefits from some economies of scale but lacks significant network effects, intellectual property, and regulatory barriers, resulting in a modest competitive advantage.

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 First National Bank Alaska might have Narrow Moat - Discernible but modest moat.

First National Bank Alaska  (OTCPK:FBAK) 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

First National Bank Alaska Moat Score Related Terms

FBAK vs NBN, OCFC, CCB: Moat Score Comparison

For the Banks - Regional subindustry, First National Bank Alaska'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.

First National Bank Alaska Moat Score vs Banks Industry

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

* The bar in red indicates where First National Bank Alaska's Moat Score falls into.


FBAK
66GF Score
First National Bank Alaska FBAK
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 4 mean?
First National Bank Alaska (FBAK) has a Moat Score of 4 as of Jun. 28, 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, First National Bank Alaska ranks #222 out of 1614 companies in the Banks industry, placing it in the top 13.8%.
Is First National Bank Alaska's Moat Score too high?
First National Bank Alaska's current Moat Score is 4. Based on the distribution chart, First National Bank Alaska ranks #222 out of 1614 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, First National Bank Alaska has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First National Bank Alaska's Moat Score compare to NBN and OCFC?
According to the Banks industry distribution chart, First National Bank Alaska ranks #222 out of 1614 companies for Moat Score. This places First National Bank Alaska in the top 14% of its industry — outperforming the majority of peers. 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. First National Bank Alaska's current Moat Score is 4. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First National Bank Alaska stock overvalued right now?
Based on GuruFocus' analysis, First National Bank Alaska (FBAK) is currently considered Modestly Overvalued. The stock's GF Value™ is $264.18, compared to a current price of $318.00 — trading 20.4% above its estimated fair value. The current Moat Score is 4. First National Bank Alaska's overall GF Score™ is 66/100 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 First National Bank Alaska (FBAK), the current Moat Score is 4 as of Jun. 28, 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 First National Bank Alaska (FBAK) Overvalued in 2026?

Based on GuruFocus' analysis, First National Bank Alaska stock appears to be overvalued. The current stock price of $318.00 is trading 20.4% above its estimated GF Value™ of $264.18. GuruFocus considers First National Bank Alaska to be Modestly Overvalued.

Key valuation signals for FBAK:

  • Moat Score: 4
  • GF Value™: $264.18 vs. price of $318.00 (20.4% above fair value)
  • GF Score™: 66/100 with 6 warning signs

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

First National Bank Alaska Business Description

Address 101 West 36th Avenue, Anchorage, AK, USA, 99503
First National Bank Alaska is a commercial banking service provider in the United States. Its primary business operations involve corporate banking and consumer banking services. The Bank provides trust banking services, escrow and contract collection services, bankcard services and safe deposit box facilities for business, industry, and individuals within the State of Alaska. It also offers various real estate loans, including commercial and construction/development loans, multifamily residential loans, and consumer and other loans. The company also has add-on services like the United States Treasury, the United States Government-sponsored enterprises, States and political subdivisions, mortgage-backed-residential and corporate bonds.
66GF Score

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

$318.00
Price
$264.18
GF Value