Investar Holding (FRA:7ZH) Moat Score: 3/10 (As of Aug. 21, 2026)

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FRA:7ZH Investar Holding Corp FRA:7ZH
54 GF Score
Price €25.20
GF Value €17.73
! 6 Warning Signs
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What is Investar Holding Moat Score?

Investar Holding FRA:7ZH -3.82% 54 Moat Score is 3 as of Aug. 21, 2026. GuruFocus rates FRA:7ZH with a GF Score™ of 54/100 and a GF Value™ of €17.73. The stock has 6 warning signs investors should review. Among 1,607 Banks companies, Investar Holding ranks better than 74.61% on this metric.

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

Investar Holding has No Moat: Investar Holding Corp operates in a highly competitive banking sector with limited differentiation. It lacks significant market leadership, network effects, or strong brand loyalty. The company does not possess substantial cost advantages or regulatory barriers that would provide a durable competitive edge.

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 Investar Holding might have No Moat - Very weak/transient advantages.

Investar Holding  (FRA:7ZH) 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

Investar Holding Moat Score Related Terms

FRA:7ZH vs NEWT, AVBC, PCB: Moat Score Comparison

For the Banks - Regional subindustry, Investar Holding'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.

Investar Holding Moat Score vs Banks Industry

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

* The bar in red indicates where Investar Holding's Moat Score falls into.


FRA:7ZH
54GF Score
Investar Holding Corp FRA:7ZH
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 3 mean?
Investar Holding (FRA:7ZH) has a Moat Score of 3 as of Aug. 21, 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, Investar Holding ranks #408 out of 1607 companies in the Banks industry, placing it in the top 25.4%.
Is Investar Holding's Moat Score too high?
Investar Holding's current Moat Score is 3. Based on the distribution chart, Investar Holding ranks #408 out of 1607 companies in the Banks industry, which is above the industry midpoint. Overall, Investar Holding has a GF Score™ of 54/100, reflecting its overall financial health beyond just this single metric.
How does Investar Holding's Moat Score compare to NEWT and AVBC?
According to the Banks industry distribution chart, Investar Holding ranks #408 out of 1607 companies for Moat Score. This puts Investar Holding 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. Investar Holding'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 Investar Holding stock overvalued right now?
Investar Holding (FRA:7ZH) has a current Moat Score of 3. The stock's GF Value™ is €17.73, compared to a current price of €25.20 — trading 42.1% above its estimated fair value. The current Moat Score is 3. Investar Holding's overall GF Score™ is 54/100 with 6 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 Investar Holding (FRA:7ZH), the current Moat Score is 3 as of Aug. 21, 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 Investar Holding (FRA:7ZH) Overvalued in 2026?

Based on GuruFocus' analysis, Investar Holding stock appears to be overvalued. The current stock price of €25.20 is trading 42.1% above its estimated GF Value™ of €17.73.

Key valuation signals for FRA:7ZH:

  • Moat Score: 3
  • GF Value™: €17.73 vs. price of €25.20 (42.1% above fair value)
  • GF Score™: 54/100 with 6 warning signs

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

Investar Holding Business Description

Other Exchanges ISTR:USA
Address 10500 Coursey Boulevard, Baton Rouge, LA, USA, 70816
Investar Holding Corp is a U.S.-based financial holding company. Through its subsidiaries, it offers a variety of commercial and retail lending products throughout its market areas, including business loans to small to medium-sized businesses, as well as loans to individuals. It has business operations spread across the United States and serves its customers through several service branches. The bank also offers cashier's checks, direct deposit of payroll and Social Security checks, night depository, bank-by-mail, automated teller machines with deposit automation, and debit cards.
54GF Score

Get the complete analysis for FRA:7ZH

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

€25.20
Price
€17.73
GF Value