FBLA (FB Bancorp) Moat Score: 3/10 (As of Jul. 02, 2026)


FBLA FB Bancorp Inc FBLA
13 GF Score
Price $15.24
! 5 Warning Signs
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What is FB Bancorp Moat Score?

FB Bancorp FBLA +1.26% 13 Moat Score is 3 as of Jul. 02, 2026. GuruFocus rates FBLA with a GF Score™ of 13/100. The stock has 5 warning signs investors should review. Among 1,611 Banks companies, FB Bancorp ranks better than 74.49% on this metric.

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

FB Bancorp has No Moat: FB Bancorp Inc has very weak competitive advantages. It lacks significant market share, network effects, or intellectual property, and faces intense competition without strong differentiation.

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 FB Bancorp might have No Moat - Very weak/transient advantages.

FB Bancorp  (NAS:FBLA) 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

FB Bancorp Moat Score Related Terms

FBLA vs VABK, NKSH, INBK: Moat Score Comparison

For the Banks - Regional subindustry, FB 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.

FB Bancorp Moat Score vs Banks Industry

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

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


FBLA
13GF Score
FB Bancorp Inc FBLA
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?
FB Bancorp (FBLA) 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, FB Bancorp ranks #411 out of 1611 companies in the Banks industry, placing it in the top 25.5%.
Is FB Bancorp's Moat Score too high?
FB Bancorp's current Moat Score is 3. Based on the distribution chart, FB Bancorp ranks #411 out of 1611 companies in the Banks industry, which is above the industry midpoint. Overall, FB Bancorp has a GF Score™ of 13/100, reflecting its overall financial health beyond just this single metric.
How does FB Bancorp's Moat Score compare to VABK and NKSH?
According to the Banks industry distribution chart, FB Bancorp ranks #411 out of 1611 companies for Moat Score. This puts FB 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. FB Bancorp'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 FB Bancorp stock overvalued right now?
FB Bancorp (FBLA) has a current Moat Score of 3. The current Moat Score is 3. FB Bancorp's overall GF Score™ is 13/100 with 5 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 FB Bancorp (FBLA), 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.

FB Bancorp Business Description

Address 353 Carondelet Street, New Orleans, LA, USA, 70130
FB Bancorp Inc is a bank holding company based in the United States. Through its banking subsidiary, it is engaged in taking deposits from the general public and investing those deposits, together with funds generated from operations, in one- to four-family residential mortgage loans secured by properties located in primary market areas. Additionally, it offers other financial products and services, including residential construction loans, commercial real estate loans, commercial loans, consumer loans, credit and debit cards, cash management, online banking, payment solutions, ATMs, and wealth management services, among others. The Group mainly operates in southern Louisiana, including the Metropolitan Statistical Areas (MSAs) of New Orleans-Metairie-Hammond, Baton Rouge, and Lafayette.
13GF Score

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