Beacon Financial (FRA:4I9) Moat Score: 4/10 (As of Jul. 16, 2026)

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FRA:4I9 Beacon Financial Corp FRA:4I9
58 GF Score
Price €26.00
GF Value €20.99
! 8 Warning Signs
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What is Beacon Financial Moat Score?

Beacon Financial FRA:4I9 +0.78% 58 Moat Score is 4 as of Jul. 16, 2026. GuruFocus rates FRA:4I9 with a GF Score™ of 58/100 and a GF Value™ of €20.99. The stock has 8 warning signs investors should review. Among 1,610 Banks companies, Beacon Financial ranks better than 86.21% on this metric.

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

Beacon Financial has Narrow Moat: Beacon Financial Corp has a discernible moat due to its market presence and some regulatory barriers in the financial sector. However, it lacks strong brand strength, significant customer switching costs, and durable cost advantages, limiting its moat to a modest level.

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 Beacon Financial might have Narrow Moat - Discernible but modest moat.

Beacon Financial  (FRA:4I9) 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

Beacon Financial Moat Score Related Terms

FRA:4I9 vs FBNC, TBBK, NBTB: Moat Score Comparison

For the Banks - Regional subindustry, Beacon 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.

Beacon Financial Moat Score vs Banks Industry

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

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


FRA:4I9
58GF Score
Beacon Financial Corp FRA:4I9
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?
Beacon Financial (FRA:4I9) has a Moat Score of 4 as of Jul. 16, 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, Beacon Financial ranks #222 out of 1610 companies in the Banks industry, placing it in the top 13.8%.
Is Beacon Financial's Moat Score too high?
Beacon Financial's current Moat Score is 4. Based on the distribution chart, Beacon Financial ranks #222 out of 1610 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Beacon Financial has a GF Score™ of 58/100, reflecting its overall financial health beyond just this single metric.
How does Beacon Financial's Moat Score compare to FBNC and TBBK?
According to the Banks industry distribution chart, Beacon Financial ranks #222 out of 1610 companies for Moat Score. This places Beacon Financial 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. Beacon Financial'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 Beacon Financial stock overvalued right now?
Beacon Financial (FRA:4I9) has a current Moat Score of 4. The stock's GF Value™ is €20.99, compared to a current price of €26.00 — trading 23.9% above its estimated fair value. The current Moat Score is 4. Beacon Financial's overall GF Score™ is 58/100 with 8 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 Beacon Financial (FRA:4I9), the current Moat Score is 4 as of Jul. 16, 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 Beacon Financial (FRA:4I9) Overvalued in 2026?

Based on GuruFocus' analysis, Beacon Financial stock appears to be overvalued. The current stock price of €26.00 is trading 23.9% above its estimated GF Value™ of €20.99.

Key valuation signals for FRA:4I9:

  • Moat Score: 4
  • GF Value™: €20.99 vs. price of €26.00 (23.9% above fair value)
  • GF Score™: 58/100 with 8 warning signs

No single metric tells the full story. See the FRA:4I9 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Beacon Financial Business Description

Other Exchanges BBT:USA
Address 131 Clarendon Street, Boston, MA, USA, 02116
Beacon Financial Corp operates as a multi-bank holding company. It offers commercial, business, and retail banking services, including a full complement of cash management products, online banking services, and consumer and residential loans.
58GF Score

Get the complete analysis for FRA:4I9

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

€26.00
Price
€20.99
GF Value