Business First Bancshares (FRA:828) Moat Score: 4/10 (As of Jul. 14, 2026)

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FRA:828 Business First Bancshares Inc FRA:828
65 GF Score
Price €26.00
GF Value €22.07
! 6 Warning Signs
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What is Business First Bancshares Moat Score?

Business First Bancshares FRA:828 65 Moat Score is 4 as of Jul. 14, 2026. GuruFocus rates FRA:828 with a GF Score™ of 65/100 and a GF Value™ of €22.07. The stock has 6 warning signs investors should review. Among 1,613 Banks companies, Business First Bancshares ranks better than 86.24% on this metric.

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

Business First Bancshares has Narrow Moat: Business First Bancshares has a discernible but modest moat due to its regional banking presence and customer relationships. However, it lacks significant scale, brand strength, or proprietary technology.

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 Business First Bancshares might have Narrow Moat - Discernible but modest moat.

Business First Bancshares  (FRA:828) 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

Business First Bancshares Moat Score Related Terms

FRA:828 vs FBAK, CCNE, AMTB: Moat Score Comparison

For the Banks - Regional subindustry, Business First 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.

Business First Bancshares Moat Score vs Banks Industry

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

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


FRA:828
65GF Score
Business First Bancshares Inc FRA:828
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?
Business First Bancshares (FRA:828) has a Moat Score of 4 as of Jul. 14, 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, Business First Bancshares ranks #222 out of 1613 companies in the Banks industry, placing it in the top 13.8%.
Is Business First Bancshares' Moat Score too high?
Business First Bancshares' current Moat Score is 4. Based on the distribution chart, Business First Bancshares ranks #222 out of 1613 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Business First Bancshares has a GF Score™ of 65/100, reflecting its overall financial health beyond just this single metric.
How does Business First Bancshares' Moat Score compare to FBAK and CCNE?
According to the Banks industry distribution chart, Business First Bancshares ranks #222 out of 1613 companies for Moat Score. This places Business First 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. Business First 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 Business First Bancshares stock overvalued right now?
Business First Bancshares (FRA:828) has a current Moat Score of 4. The stock's GF Value™ is €22.07, compared to a current price of €26.00 — trading 17.8% above its estimated fair value. The current Moat Score is 4. Business First Bancshares' overall GF Score™ is 65/100 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 Business First Bancshares (FRA:828), the current Moat Score is 4 as of Jul. 14, 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 Business First Bancshares (FRA:828) Overvalued in 2026?

Based on GuruFocus' analysis, Business First Bancshares stock appears to be overvalued. The current stock price of €26.00 is trading 17.8% above its estimated GF Value™ of €22.07.

Key valuation signals for FRA:828:

  • Moat Score: 4
  • GF Value™: €22.07 vs. price of €26.00 (17.8% above fair value)
  • GF Score™: 65/100 with 6 warning signs

No single metric tells the full story. See the FRA:828 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Business First Bancshares Business Description

Other Exchanges BFST:USA
Address 500 Laurel Street, Suite 101, Baton Rouge, LA, USA, 70801
Business First Bancshares Inc is a bank holding company. The company's services include personal and commercial banking, treasury management, and wealth solutions. It provides a range of financial services to small-to-midsized businesses and professionals. The company generates the majority of its revenues from interest income on loans, customer service and loan fees, and interest income from securities.
65GF Score

Get the complete analysis for FRA:828

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

€26.00
Price
€22.07
GF Value