STBK (Studio Financial Holdings) Moat Score: 2/10 (As of Aug. 24, 2026)

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STBK Studio Financial Holdings Inc STBK
8 GF Score
Price $14.60
! 2 Warning Signs
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What is Studio Financial Holdings Moat Score?

Studio Financial Holdings STBK -0.49% 8 Moat Score is 2 as of Aug. 24, 2026. GuruFocus rates STBK with a GF Score™ of 8/100. The stock has 2 warning signs investors should review. Among 1,608 Banks companies, Studio Financial Holdings ranks better than 60.01% on this metric.

Studio Financial Holdings has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

Studio Financial Holdings has No Moat: Studio Financial Holdings Inc has minimal competitive advantages, with no significant market leadership or intellectual property. The company faces intense competition and lacks customer loyalty or switching costs. Its cost structure and distribution network do not provide a durable advantage.

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

Studio Financial Holdings  (OTCPK:STBK) 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

Studio Financial Holdings Moat Score Related Terms

STBK vs SEBC, JBTC, BSFO: Moat Score Comparison

For the Banks - Regional subindustry, Studio Financial Holdings'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.

Studio Financial Holdings Moat Score vs Banks Industry

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

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


STBK
8GF Score
Studio Financial Holdings Inc STBK
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 2 mean?
Studio Financial Holdings (STBK) has a Moat Score of 2 as of Aug. 24, 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, Studio Financial Holdings ranks #643 out of 1608 companies in the Banks industry, placing it in the top 40%.
Is Studio Financial Holdings' Moat Score too high?
Studio Financial Holdings' current Moat Score is 2. Based on the distribution chart, Studio Financial Holdings ranks #643 out of 1608 companies in the Banks industry, which is above the industry midpoint. Overall, Studio Financial Holdings has a GF Score™ of 8/100, reflecting its overall financial health beyond just this single metric.
How does Studio Financial Holdings' Moat Score compare to SEBC and JBTC?
According to the Banks industry distribution chart, Studio Financial Holdings ranks #643 out of 1608 companies for Moat Score. This puts Studio Financial Holdings 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. Studio Financial Holdings's current Moat Score is 2. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Studio Financial Holdings stock overvalued right now?
Studio Financial Holdings (STBK) has a current Moat Score of 2. The current Moat Score is 2. Studio Financial Holdings' overall GF Score™ is 8/100 with 2 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 Studio Financial Holdings (STBK), the current Moat Score is 2 as of Aug. 24, 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.

Studio Financial Holdings Business Description

Address 124 12th Avenue South, Suite 400, Nashville, TN, USA, 37203
Studio Financial Holdings Inc is a single-bank holding company. The bank provides a full range of financial services through its offices in Davidson, Montgomery, and Williamson County, Tennessee. Its primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are residential mortgage, commercial, and installment loans. The portfolio segments of the company include Construction Real Estate, Commercial Real Estate, Residential Real Estate, Commercial, and Consumer.
8GF Score

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

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