FBVI (Fcn Banc) Moat Score: 3/10 (As of Jul. 01, 2026)


FBVI Fcn Banc Corp FBVI
66 GF Score
Price $35.81
GF Value $34.03
Valuation Fairly Valued
! 3 Warning Signs
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What is Fcn Banc Moat Score?

Fcn Banc FBVI 66 Moat Score is 3 as of Jul. 01, 2026. GuruFocus rates FBVI with a GF Score™ of 66/100 and a GF Value™ of $34.03 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,611 Banks companies, Fcn Banc ranks better than 74.49% on this metric.

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

Fcn Banc has No Moat: Fcn Banc Corp has limited competitive advantages in the banking industry. It operates in a competitive market with low switching costs and lacks significant brand strength, regulatory barriers, or cost advantages that would provide a durable 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 Fcn Banc might have No Moat - Very weak/transient advantages.

Fcn Banc  (OTCPK:FBVI) 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

Fcn Banc Moat Score Related Terms

FBVI vs HLFN, INFT, PGNN: Moat Score Comparison

For the Banks - Regional subindustry, Fcn Banc'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.

Fcn Banc Moat Score vs Banks Industry

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

* The bar in red indicates where Fcn Banc's Moat Score falls into.


FBVI
66GF Score
Fcn Banc Corp FBVI
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?
Fcn Banc (FBVI) has a Moat Score of 3 as of Jul. 01, 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, Fcn Banc ranks #411 out of 1611 companies in the Banks industry, placing it in the top 25.5%.
Is Fcn Banc's Moat Score too high?
Fcn Banc's current Moat Score is 3. Based on the distribution chart, Fcn Banc ranks #411 out of 1611 companies in the Banks industry, which is above the industry midpoint. Overall, Fcn Banc has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Fcn Banc's Moat Score compare to HLFN and INFT?
According to the Banks industry distribution chart, Fcn Banc ranks #411 out of 1611 companies for Moat Score. This puts Fcn Banc 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. Fcn Banc'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 Fcn Banc stock overvalued right now?
Based on GuruFocus' analysis, Fcn Banc (FBVI) is currently considered Fairly Valued. The stock's GF Value™ is $34.03, compared to a current price of $35.81 — trading 5.2% above its estimated fair value. The current Moat Score is 3. Fcn Banc's overall GF Score™ is 66/100 with 3 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 Fcn Banc (FBVI), the current Moat Score is 3 as of Jul. 01, 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 Fcn Banc (FBVI) Overvalued in 2026?

Based on GuruFocus' analysis, Fcn Banc stock appears to be overvalued. The current stock price of $35.81 is trading 5.2% above its estimated GF Value™ of $34.03. GuruFocus considers Fcn Banc to be Fairly Valued.

Key valuation signals for FBVI:

  • Moat Score: 3
  • GF Value™: $34.03 vs. price of $35.81 (5.2% above fair value)
  • GF Score™: 66/100 with 3 warning signs

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

Fcn Banc Business Description

Address 501 Main Street, P.O. Box 37, Brookville, IN, USA, 47012
Fcn Banc Corp provides banking services. It provides personal and business banking services which consists of deposits, loans, mortgage. The Bank conducts a general banking business in southeast Indiana and southwest Ohio which consists of attracting deposits from the general public and applying those funds to the origination of loans for residential, consumer and commercial purposes.
66GF Score

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

$35.81
Price
$34.03
GF Value