FFBB (FFB Bancorp) Moat Score: 2/10 (As of Jun. 29, 2026)


FFBB FFB Bancorp FFBB
79 GF Score
Price $85.00
GF Value $92.13
Valuation Fairly Valued
! 2 Warning Signs
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What is FFB Bancorp Moat Score?

FFB Bancorp FFBB -0.30% 79 Moat Score is 2 as of Jun. 29, 2026. GuruFocus rates FFBB with a GF Score™ of 79/100 and a GF Value™ of $92.13 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,614 Banks companies, FFB Bancorp ranks better than 59.85% on this metric.

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

FFB Bancorp has No Moat: FFB Bancorp operates in a competitive banking sector with low switching costs and minimal differentiation. The company lacks significant market leadership, proprietary technology, or strong brand loyalty, resulting in a very weak competitive position.

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

FFB Bancorp  (OTCPK:FFBB) 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

FFB Bancorp Moat Score Related Terms

FFBB vs ATLO, HWBK, LCNB: Moat Score Comparison

For the Banks - Regional subindustry, FFB 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.

FFB Bancorp Moat Score vs Banks Industry

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

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


FFBB
79GF Score
FFB Bancorp FFBB
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?
FFB Bancorp (FFBB) has a Moat Score of 2 as of Jun. 29, 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, FFB Bancorp ranks #648 out of 1614 companies in the Banks industry, placing it in the top 40.1%.
Is FFB Bancorp's Moat Score too high?
FFB Bancorp's current Moat Score is 2. Based on the distribution chart, FFB Bancorp ranks #648 out of 1614 companies in the Banks industry, which is above the industry midpoint. Overall, FFB Bancorp has a GF Score™ of 79/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does FFB Bancorp's Moat Score compare to ATLO and HWBK?
According to the Banks industry distribution chart, FFB Bancorp ranks #648 out of 1614 companies for Moat Score. This puts FFB 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. FFB Bancorp'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 FFB Bancorp stock overvalued right now?
Based on GuruFocus' analysis, FFB Bancorp (FFBB) is currently considered Fairly Valued. The stock's GF Value™ is $92.13, compared to a current price of $85.00 — trading 7.7% below its estimated fair value. The current Moat Score is 2. FFB Bancorp's overall GF Score™ is 79/100 with 2 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 FFB Bancorp (FFBB), the current Moat Score is 2 as of Jun. 29, 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 FFB Bancorp (FFBB) Overvalued in 2026?

Based on GuruFocus' analysis, FFB Bancorp stock appears to be undervalued. The current stock price of $85.00 is trading 7.7% below its estimated GF Value™ of $92.13. GuruFocus considers FFB Bancorp to be Fairly Valued.

Key valuation signals for FFBB:

  • Moat Score: 2
  • GF Value™: $92.13 vs. price of $85.00 (7.7% below fair value)
  • GF Score™: 79/100 with 2 warning signs

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

FFB Bancorp Business Description

Address 7690 North Palm Avenue, Fresno, CA, USA, 93711
FFB Bancorp operates as a bank. It provides a full range of banking services such as checking, savings, certificates of deposits, loans and credits, online banking, mobile banking, debit cards, cash management services, and remote deposit capture service. It generates revenue in the form of interest income.
79GF Score

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

$85.00
Price
$92.13
GF Value