FSBH (FSBH) Moat Score: 3/10 (As of Jul. 04, 2026)


FSBH FSBH Corp FSBH
52 GF Score
Price $16.30
GF Value $10.09
Valuation Significantly Overvalued
! 4 Warning Signs
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What is FSBH Moat Score?

FSBH FSBH 52 Moat Score is 3 as of Jul. 04, 2026. GuruFocus rates FSBH with a GF Score™ of 52/100 and a GF Value™ of $10.09 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,611 Banks companies, FSBH ranks better than 74.49% on this metric.

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

FSBH has No Moat: FSBH Corp shows very weak competitive advantages. It lacks market leadership, significant customer switching costs, and valuable intellectual property. The company does not have strong brand strength or regulatory barriers, resulting in a transient competitive position.

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 FSBH might have No Moat - Very weak/transient advantages.

FSBH  (OTCPK:FSBH) 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

FSBH Moat Score Related Terms

FSBH vs DENI, FGFI, PVBK: Moat Score Comparison

For the Banks - Regional subindustry, FSBH'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.

FSBH Moat Score vs Banks Industry

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

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


FSBH
52GF Score
FSBH Corp FSBH
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?
FSBH (FSBH) has a Moat Score of 3 as of Jul. 04, 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, FSBH ranks #411 out of 1611 companies in the Banks industry, placing it in the top 25.5%.
Is FSBH's Moat Score too high?
FSBH's current Moat Score is 3. Based on the distribution chart, FSBH ranks #411 out of 1611 companies in the Banks industry, which is above the industry midpoint. Overall, FSBH has a GF Score™ of 52/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does FSBH's Moat Score compare to DENI and FGFI?
According to the Banks industry distribution chart, FSBH ranks #411 out of 1611 companies for Moat Score. This puts FSBH 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. FSBH'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 FSBH stock overvalued right now?
Based on GuruFocus' analysis, FSBH (FSBH) is currently considered Significantly Overvalued. The stock's GF Value™ is $10.09, compared to a current price of $16.30 — trading 61.5% above its estimated fair value. The current Moat Score is 3. FSBH's overall GF Score™ is 52/100 with 4 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 FSBH (FSBH), the current Moat Score is 3 as of Jul. 04, 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 FSBH (FSBH) Overvalued in 2026?

Based on GuruFocus' analysis, FSBH stock appears to be overvalued. The current stock price of $16.30 is trading 61.5% above its estimated GF Value™ of $10.09. GuruFocus considers FSBH to be Significantly Overvalued.

Key valuation signals for FSBH:

  • Moat Score: 3
  • GF Value™: $10.09 vs. price of $16.30 (61.5% above fair value)
  • GF Score™: 52/100 with 4 warning signs

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

FSBH Business Description

Address 1825 Manatee Avenue West, Bradenton, FL, USA, 34205
FSBH Corp, formerly First Southern Bank (GA) operates as a bank. It provides a full range of banking services to individual and corporate customers in the markets and the surrounding counties. Its portfolio segments are: Real estate, which consists of Construction and development, Residential, Commercial, and Farmland; Commercial; and Consumer. It provides services such as E-Banking; Personal Banking; Business Banking; Insurance; Loans and Deposits; Credit cards and others.
52GF Score

Get the complete analysis for FSBH

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

$16.30
Price
$10.09
GF Value