FBPA (Farmers Bank of Appomattox) Moat Score: 2/10 (As of Jul. 17, 2026)

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FBPA Farmers Bank of Appomattox FBPA
66 GF Score
Price $30.18
GF Value $28.33
Valuation Fairly Valued
! 5 Warning Signs
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What is Farmers Bank of Appomattox Moat Score?

Farmers Bank of Appomattox FBPA 66 Moat Score is 2 as of Jul. 17, 2026. GuruFocus rates FBPA with a GF Score™ of 66/100 and a GF Value™ of $28.33 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,610 Banks companies, Farmers Bank of Appomattox ranks better than 59.88% on this metric.

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

Farmers Bank of Appomattox has No Moat: Farmers Bank of Appomattox has limited competitive advantages. It lacks significant market share, network effects, or intellectual property, and operates in a competitive banking sector.

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 Farmers Bank of Appomattox might have No Moat - Very weak/transient advantages.

Farmers Bank of Appomattox  (OTCPK:FBPA) 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

Farmers Bank of Appomattox Moat Score Related Terms

FBPA vs WOBK, RBNK, JFWV: Moat Score Comparison

For the Banks - Regional subindustry, Farmers Bank of Appomattox'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.

Farmers Bank of Appomattox Moat Score vs Banks Industry

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

* The bar in red indicates where Farmers Bank of Appomattox's Moat Score falls into.


FBPA
66GF Score
Farmers Bank of Appomattox FBPA
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?
Farmers Bank of Appomattox (FBPA) has a Moat Score of 2 as of Jul. 17, 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, Farmers Bank of Appomattox ranks #646 out of 1610 companies in the Banks industry, placing it in the top 40.1%.
Is Farmers Bank of Appomattox's Moat Score too high?
Farmers Bank of Appomattox's current Moat Score is 2. Based on the distribution chart, Farmers Bank of Appomattox ranks #646 out of 1610 companies in the Banks industry, which is above the industry midpoint. Overall, Farmers Bank of Appomattox has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Farmers Bank of Appomattox's Moat Score compare to WOBK and RBNK?
According to the Banks industry distribution chart, Farmers Bank of Appomattox ranks #646 out of 1610 companies for Moat Score. This puts Farmers Bank of Appomattox 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. Farmers Bank of Appomattox'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 Farmers Bank of Appomattox stock overvalued right now?
Based on GuruFocus' analysis, Farmers Bank of Appomattox (FBPA) is currently considered Fairly Valued. The stock's GF Value™ is $28.33, compared to a current price of $30.18 — trading 6.5% above its estimated fair value. The current Moat Score is 2. Farmers Bank of Appomattox's overall GF Score™ is 66/100 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 Farmers Bank of Appomattox (FBPA), the current Moat Score is 2 as of Jul. 17, 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 Farmers Bank of Appomattox (FBPA) Overvalued in 2026?

Based on GuruFocus' analysis, Farmers Bank of Appomattox stock appears to be overvalued. The current stock price of $30.18 is trading 6.5% above its estimated GF Value™ of $28.33. GuruFocus considers Farmers Bank of Appomattox to be Fairly Valued.

Key valuation signals for FBPA:

  • Moat Score: 2
  • GF Value™: $28.33 vs. price of $30.18 (6.5% above fair value)
  • GF Score™: 66/100 with 5 warning signs

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

Farmers Bank of Appomattox Business Description

Address 223 Main Street, Appomattox, VA, USA, 24522
Farmers Bank of Appomattox provides banking services. The company is engaged in personal and business banking services, including checking & savings, certificate of deposit, loans/mortgages, commercial checking, and commercial loans.
66GF Score

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

$30.18
Price
$28.33
GF Value