First Busey (FRA:FBYN) Moat Score: 4/10 (As of Jul. 08, 2026)


FRA:FBYN First Busey Corp FRA:FBYN
64 GF Score
Price €24.80
GF Value €22.18
! 6 Warning Signs
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What is First Busey Moat Score?

First Busey FRA:FBYN -0.80% 64 Moat Score is 4 as of Jul. 08, 2026. GuruFocus rates FRA:FBYN with a GF Score™ of 64/100 and a GF Value™ of €22.18. The stock has 6 warning signs investors should review. Among 1,610 Banks companies, First Busey ranks better than 86.21% on this metric.

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

First Busey has Narrow Moat: First Busey Corp has a modest moat due to its regional banking presence and customer relationships. However, it faces intense competition from larger banks, limiting its ability to establish a stronger moat.

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 First Busey might have Narrow Moat - Discernible but modest moat.

First Busey  (FRA:FBYN) 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

First Busey Moat Score Related Terms

FRA:FBYN vs NBTB, EFSC, TBBK: Moat Score Comparison

For the Banks - Regional subindustry, First Busey'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.

First Busey Moat Score vs Banks Industry

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

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


FRA:FBYN
64GF Score
First Busey Corp FRA:FBYN
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?
First Busey (FRA:FBYN) has a Moat Score of 4 as of Jul. 08, 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, First Busey ranks #222 out of 1610 companies in the Banks industry, placing it in the top 13.8%.
Is First Busey's Moat Score too high?
First Busey's current Moat Score is 4. Based on the distribution chart, First Busey ranks #222 out of 1610 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, First Busey has a GF Score™ of 64/100, reflecting its overall financial health beyond just this single metric.
How does First Busey's Moat Score compare to NBTB and EFSC?
According to the Banks industry distribution chart, First Busey ranks #222 out of 1610 companies for Moat Score. This places First Busey 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. First Busey'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 First Busey stock overvalued right now?
First Busey (FRA:FBYN) has a current Moat Score of 4. The stock's GF Value™ is €22.18, compared to a current price of €24.80 — trading 11.8% above its estimated fair value. The current Moat Score is 4. First Busey's overall GF Score™ is 64/100 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 First Busey (FRA:FBYN), the current Moat Score is 4 as of Jul. 08, 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 First Busey (FRA:FBYN) Overvalued in 2026?

Based on GuruFocus' analysis, First Busey stock appears to be overvalued. The current stock price of €24.80 is trading 11.8% above its estimated GF Value™ of €22.18.

Key valuation signals for FRA:FBYN:

  • Moat Score: 4
  • GF Value™: €22.18 vs. price of €24.80 (11.8% above fair value)
  • GF Score™: 64/100 with 6 warning signs

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

First Busey Business Description

Other Exchanges BUSE:USA
Address 11440 Tomahawk Creek Parkway, Leawood, KS, USA, 66211
First Busey Corporation is a financial holding company whose subsidiaries provide retail and commercial banking services, remittance processing, and offer financial products and services with banking centers in Illinois, Missouri, Florida, and Indiana. The company's operations are managed through three operating segments consisting of Banking, FirsTech, and Wealth Management. The banking segment generates a vast majority of its revenue.
64GF Score

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

€24.80
Price
€22.18
GF Value