First Guaranty Bancshares (FRA:1GJ) Moat Score: 4/10 (As of Aug. 02, 2026)

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FRA:1GJ First Guaranty Bancshares Inc FRA:1GJ
55 GF Score
Price €8.15
GF Value €6.04
! 5 Warning Signs
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What is First Guaranty Bancshares Moat Score?

First Guaranty Bancshares FRA:1GJ +2.52% 55 Moat Score is 4 as of Aug. 02, 2026. GuruFocus rates FRA:1GJ with a GF Score™ of 55/100 and a GF Value™ of €6.04. The stock has 5 warning signs investors should review. Among 1,609 Banks companies, First Guaranty Bancshares ranks better than 86.26% on this metric.

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

First Guaranty Bancshares has Narrow Moat: First Guaranty Bancshares Inc has a discernible but modest moat, primarily due to its regional market leadership and customer relationships. However, it faces intense competition and lacks significant cost advantages or proprietary technology to strengthen its position further.

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 Guaranty Bancshares might have Narrow Moat - Discernible but modest moat.

First Guaranty Bancshares  (FRA:1GJ) 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 Guaranty Bancshares Moat Score Related Terms

FRA:1GJ vs TYCB, PBCO, DIMC: Moat Score Comparison

For the Banks - Regional subindustry, First Guaranty Bancshares'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 Guaranty Bancshares Moat Score vs Banks Industry

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

* The bar in red indicates where First Guaranty Bancshares's Moat Score falls into.


FRA:1GJ
55GF Score
First Guaranty Bancshares Inc FRA:1GJ
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 Guaranty Bancshares (FRA:1GJ) has a Moat Score of 4 as of Aug. 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, First Guaranty Bancshares ranks #221 out of 1609 companies in the Banks industry, placing it in the top 13.7%.
Is First Guaranty Bancshares' Moat Score too high?
First Guaranty Bancshares' current Moat Score is 4. Based on the distribution chart, First Guaranty Bancshares ranks #221 out of 1609 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, First Guaranty Bancshares has a GF Score™ of 55/100, reflecting its overall financial health beyond just this single metric.
How does First Guaranty Bancshares' Moat Score compare to TYCB and PBCO?
According to the Banks industry distribution chart, First Guaranty Bancshares ranks #221 out of 1609 companies for Moat Score. This places First Guaranty Bancshares 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 Guaranty Bancshares'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 Guaranty Bancshares stock overvalued right now?
First Guaranty Bancshares (FRA:1GJ) has a current Moat Score of 4. The stock's GF Value™ is €6.04, compared to a current price of €8.15 — trading 34.9% above its estimated fair value. The current Moat Score is 4. First Guaranty Bancshares' overall GF Score™ is 55/100 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 First Guaranty Bancshares (FRA:1GJ), the current Moat Score is 4 as of Aug. 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.

Is First Guaranty Bancshares (FRA:1GJ) Overvalued in 2026?

Based on GuruFocus' analysis, First Guaranty Bancshares stock appears to be overvalued. The current stock price of €8.15 is trading 34.9% above its estimated GF Value™ of €6.04.

Key valuation signals for FRA:1GJ:

  • Moat Score: 4
  • GF Value™: €6.04 vs. price of €8.15 (34.9% above fair value)
  • GF Score™: 55/100 with 5 warning signs

No single metric tells the full story. See the FRA:1GJ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

First Guaranty Bancshares Business Description

Other Exchanges FGBIP.PFD:USAFGBI:USA
Address 400 East Thomas Street, Hammond, LA, USA, 70401
First Guaranty Bancshares Inc provides personalized commercial banking services to its customers in Louisiana through several banking facilities. The company offers commercial real estate loans, commercial and industrial loans, construction and land development loans, agricultural and farmland loans, and, to a lesser extent, consumer and multifamily loans. The company is engaged in a single line of business as a financial institution, which provides a full range of banking, financial, and trust services to state, county, and local government entities, individuals, and small and commercial businesses.
55GF Score

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

€8.15
Price
€6.04
GF Value