First Financial Bankshares (STU:FI6) Moat Score: 5/10 (As of Jul. 19, 2026)

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STU:FI6 First Financial Bankshares Inc STU:FI6
73 GF Score
Price €30.80
GF Value €35.24
Valuation Modestly Undervalued
! 2 Warning Signs
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What is First Financial Bankshares Moat Score?

First Financial Bankshares STU:FI6 -3.14% 73 Moat Score is 5 as of Jul. 19, 2026. GuruFocus rates STU:FI6 with a GF Score™ of 73/100 and a GF Value™ of €35.24 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,613 Banks companies, First Financial Bankshares ranks better than 94.05% on this metric.

First Financial Bankshares has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

First Financial Bankshares has Narrow Moat: First Financial Bankshares Inc benefits from a solid regional presence and customer loyalty. It has some cost advantages due to economies of scale and a strong brand in its local markets. However, it lacks significant network effects or proprietary technology to elevate it to a wide moat status.

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 Financial Bankshares might have Narrow Moat - Solid narrow moat.

First Financial Bankshares  (STU:FI6) 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 Financial Bankshares Moat Score Related Terms

STU:FI6 vs FINN, TFSL, IBOC: Moat Score Comparison

For the Banks - Regional subindustry, First Financial Bankshares'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 Financial Bankshares Moat Score vs Banks Industry

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

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


STU:FI6
73GF Score
First Financial Bankshares Inc STU:FI6
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 5 mean?
First Financial Bankshares (STU:FI6) has a Moat Score of 5 as of Jul. 19, 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 Financial Bankshares ranks #96 out of 1613 companies in the Banks industry, placing it in the top 6%.
Is First Financial Bankshares' Moat Score too high?
First Financial Bankshares' current Moat Score is 5. Based on the distribution chart, First Financial Bankshares ranks #96 out of 1613 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, First Financial Bankshares has a GF Score™ of 73/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does First Financial Bankshares' Moat Score compare to FINN and TFSL?
According to the Banks industry distribution chart, First Financial Bankshares ranks #96 out of 1613 companies for Moat Score. This places First Financial Bankshares in the top 6% 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 Financial Bankshares's current Moat Score is 5. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Financial Bankshares stock overvalued right now?
Based on GuruFocus' analysis, First Financial Bankshares (STU:FI6) is currently considered Modestly Undervalued. The stock's GF Value™ is €35.24, compared to a current price of €30.80 — trading 12.6% below its estimated fair value. The current Moat Score is 5. First Financial Bankshares' overall GF Score™ is 73/100 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 First Financial Bankshares (STU:FI6), the current Moat Score is 5 as of Jul. 19, 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 Financial Bankshares (STU:FI6) Overvalued in 2026?

Based on GuruFocus' analysis, First Financial Bankshares stock appears to be undervalued. The current stock price of €30.80 is trading 12.6% below its estimated GF Value™ of €35.24. GuruFocus considers First Financial Bankshares to be Modestly Undervalued.

Key valuation signals for STU:FI6:

  • Moat Score: 5
  • GF Value™: €35.24 vs. price of €30.80 (12.6% below fair value)
  • GF Score™: 73/100 with 2 warning signs

No single metric tells the full story. See the STU:FI6 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

First Financial Bankshares Business Description

Other Exchanges FFIN:USA
Address 400 Pine Street, Abilene, TX, USA, 79601
First Financial Bankshares Inc is a financial and bank holding company. The company operates one line of business (community banking) located in a single geographic area (Texas). The company conducts a full-service commercial banking business through its subsidiaries. The loan portfolio segments of the company include Commercial and Industrial, Municipal, Agricultural, Construction and Development, Farm, Non-Owner Occupied and Owner Occupied Commercial Real Estate, Residential, Consumer Auto and Consumer Non-Auto.
73GF Score

Get the complete analysis for STU:FI6

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

€30.80
Price
€35.24
GF Value