Primis Financial (FRA:7H80) Moat Score: 3/10 (As of Aug. 26, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:7H80 Primis Financial Corp FRA:7H80
61 GF Score
Price €13.80
GF Value €10.71
Valuation Modestly Overvalued
! 7 Warning Signs
View Full Analysis

What is Primis Financial Moat Score?

Primis Financial FRA:7H80 +11.29% 61 Moat Score is 3 as of Aug. 26, 2026. GuruFocus rates FRA:7H80 with a GF Score™ of 61/100 and a GF Value™ of €10.71 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,605 Banks companies, Primis Financial ranks better than 74.58% on this metric.

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

Primis Financial has No Moat: Primis Financial Corp operates in a competitive financial sector with limited market share and no significant cost advantages. It lacks strong brand loyalty, regulatory barriers, or unique intellectual property.

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 Primis Financial might have No Moat - Very weak/transient advantages.

Primis Financial  (FRA:7H80) 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

Primis Financial Moat Score Related Terms

FRA:7H80 vs FCBM, RVRF, MVBF: Moat Score Comparison

For the Banks - Regional subindustry, Primis 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.

Primis Financial Moat Score vs Banks Industry

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

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


FRA:7H80
61GF Score
Primis Financial Corp FRA:7H80
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Primis Financial (FRA:7H80) has a Moat Score of 3 as of Aug. 26, 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, Primis Financial ranks #408 out of 1605 companies in the Banks industry, placing it in the top 25.4%.
Is Primis Financial's Moat Score too high?
Primis Financial's current Moat Score is 3. Based on the distribution chart, Primis Financial ranks #408 out of 1605 companies in the Banks industry, which is above the industry midpoint. Overall, Primis Financial has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Primis Financial's Moat Score compare to FCBM and RVRF?
According to the Banks industry distribution chart, Primis Financial ranks #408 out of 1605 companies for Moat Score. This puts Primis Financial 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. Primis Financial'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 Primis Financial stock overvalued right now?
Based on GuruFocus' analysis, Primis Financial (FRA:7H80) is currently considered Modestly Overvalued. The stock's GF Value™ is €10.71, compared to a current price of €13.80 — trading 28.9% above its estimated fair value. The current Moat Score is 3. Primis Financial's overall GF Score™ is 61/100 with 7 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 Primis Financial (FRA:7H80), the current Moat Score is 3 as of Aug. 26, 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 Primis Financial (FRA:7H80) Overvalued in 2026?

Based on GuruFocus' analysis, Primis Financial stock appears to be overvalued. The current stock price of €13.80 is trading 28.9% above its estimated GF Value™ of €10.71. GuruFocus considers Primis Financial to be Modestly Overvalued.

Key valuation signals for FRA:7H80:

  • Moat Score: 3
  • GF Value™: €10.71 vs. price of €13.80 (28.9% above fair value)
  • GF Score™: 61/100 with 7 warning signs

No single metric tells the full story. See the FRA:7H80 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Primis Financial Business Description

Other Exchanges FRST:USA
Address 1676 International Drive, Suite 900, McLean, VA, USA, 22102
Primis Financial Corp is the bank holding company for Primis Bank, providing financial services to individuals and small and medium-sized businesses. Primis Bank offers a wide range of commercial banking services, It focuses on making loans secured mainly by commercial real estate and other types of secured and unsecured commercial loans to small and medium-sized businesses in several industries, as well as loans to individuals for a variety of purposes. The company has two reportable segments: Primis Bank. This segment specializes in providing financing services to businesses in various industries along with consumer and residential loans to individuals. Primis Mortgage. This segment specializes in originating mortgages in a majority of the U.S. The revenue is from Primis Bank.
61GF Score

Get the complete analysis for FRA:7H80

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

€13.80
Price
€10.71
GF Value