FB Financial (FRA:2J2) Moat Score: 5/10 (As of Sep. 09, 2026)

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FRA:2J2 FB Financial Corp FRA:2J2
73 GF Score
Price €48.40
GF Value €52.08
! 3 Warning Signs
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What is FB Financial Moat Score?

FB Financial FRA:2J2 +0.83% 73 Moat Score is 5 as of Sep. 09, 2026. GuruFocus rates FRA:2J2 with a GF Score™ of 73/100 and a GF Value™ of €52.08. The stock has 3 warning signs investors should review. Among 1,600 Banks companies, FB Financial ranks better than 94% on this metric.

FB Financial has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

FB Financial has Narrow Moat: FB Financial Corp benefits from a solid narrow moat with strong regional presence and customer loyalty. It has some cost advantages and a decent distribution network, but lacks significant intellectual property or regulatory barriers.

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 Financial might have Narrow Moat - Solid narrow moat.

FB Financial  (FRA:2J2) 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 Financial Moat Score Related Terms

FRA:2J2 vs BANC, BOH, PFS: Moat Score Comparison

For the Banks - Regional subindustry, FB Financial'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 Financial Moat Score vs Banks Industry

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

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


FRA:2J2
73GF Score
FB Financial Corp FRA:2J2
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 5 mean?
FB Financial (FRA:2J2) has a Moat Score of 5 as of Sep. 09, 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 Financial ranks #96 out of 1600 companies in the Banks industry, placing it in the top 6%.
Is FB Financial's Moat Score too high?
FB Financial's current Moat Score is 5. Based on the distribution chart, FB Financial ranks #96 out of 1600 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, FB Financial has a GF Score™ of 73/100, reflecting its overall financial health beyond just this single metric.
How does FB Financial's Moat Score compare to BANC and BOH?
According to the Banks industry distribution chart, FB Financial ranks #96 out of 1600 companies for Moat Score. This places FB Financial in the top 6% 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. FB Financial's current Moat Score is 5. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FB Financial stock overvalued right now?
FB Financial (FRA:2J2) has a current Moat Score of 5. The stock's GF Value™ is €52.08, compared to a current price of €48.40 — trading 7.1% below its estimated fair value. The current Moat Score is 5. FB Financial's overall GF Score™ is 73/100 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 FB Financial (FRA:2J2), the current Moat Score is 5 as of Sep. 09, 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 FB Financial (FRA:2J2) Overvalued in 2026?

Based on GuruFocus' analysis, FB Financial stock appears to be undervalued. The current stock price of €48.40 is trading 7.1% below its estimated GF Value™ of €52.08.

Key valuation signals for FRA:2J2:

  • Moat Score: 5
  • GF Value™: €52.08 vs. price of €48.40 (7.1% below fair value)
  • GF Score™: 73/100 with 3 warning signs

No single metric tells the full story. See the FRA:2J2 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

FB Financial Business Description

Other Exchanges FBK:USA
Address 1221 Broadway, Suite 1300, Nashville, TN, USA, 37203
FB Financial Corp is a bank holding company. The company through its wholly-owned bank subsidiary provides commercial and consumer banking services to clients in select markets in Tennessee, North Alabama, and North Georgia. The company segment includes Banking and Mortgage. It generates majority of revenue from the Banking segment which provides a full range of deposit and lending products and services to corporate, commercial, and consumer customers. The Mortgage segment includes the servicing of residential mortgage loans and the packaging and securitization of loans to governmental agencies.
73GF Score

Get the complete analysis for FRA:2J2

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

€48.40
Price
€52.08
GF Value