PNC (PNC Financial Services Group) Moat Score: 6/10 (As of Jul. 01, 2026)


PNC PNC Financial Services Group Inc PNC
78 GF Score
Price $246.22
GF Value $203.23
Valuation Modestly Overvalued
! 8 Warning Signs
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What is PNC Financial Services Group Moat Score?

PNC Financial Services Group PNC -0.21% 78 Moat Score is 6 as of Jul. 01, 2026. GuruFocus rates PNC with a GF Score™ of 78/100 and a GF Value™ of $203.23 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,611 Banks companies, PNC Financial Services Group ranks better than 97.83% on this metric.

PNC Financial Services Group has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

PNC Financial Services Group has Narrow Moat: PNC Financial Services Group Inc has a strong regional presence and benefits from economies of scale. It has a solid brand and customer loyalty, but faces intense competition from larger national banks, limiting its pricing power and market share expansion.

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 PNC Financial Services Group might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

PNC Financial Services Group  (NYSE:PNC) 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

PNC Financial Services Group Moat Score Related Terms

PNC vs USB, NU, TFC: Moat Score Comparison

For the Banks - Regional subindustry, PNC Financial Services Group'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.

PNC Financial Services Group Moat Score vs Banks Industry

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

* The bar in red indicates where PNC Financial Services Group's Moat Score falls into.


PNC
78GF Score
PNC Financial Services Group Inc PNC
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 6 mean?
PNC Financial Services Group (PNC) has a Moat Score of 6 as of Jul. 01, 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, PNC Financial Services Group ranks #35 out of 1611 companies in the Banks industry, placing it in the top 2.2%.
Is PNC Financial Services Group's Moat Score too high?
PNC Financial Services Group's current Moat Score is 6. Based on the distribution chart, PNC Financial Services Group ranks #35 out of 1611 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, PNC Financial Services Group has a GF Score™ of 78/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PNC Financial Services Group's Moat Score compare to USB and NU?
According to the Banks industry distribution chart, PNC Financial Services Group ranks #35 out of 1611 companies for Moat Score. This places PNC Financial Services Group in the top 2% 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. PNC Financial Services Group's current Moat Score is 6. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PNC Financial Services Group stock overvalued right now?
Based on GuruFocus' analysis, PNC Financial Services Group (PNC) is currently considered Modestly Overvalued. The stock's GF Value™ is $203.23, compared to a current price of $246.22 — trading 21.2% above its estimated fair value. The current Moat Score is 6. PNC Financial Services Group's overall GF Score™ is 78/100 with 8 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 PNC Financial Services Group (PNC), the current Moat Score is 6 as of Jul. 01, 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 PNC Financial Services Group (PNC) Overvalued in 2026?

Based on GuruFocus' analysis, PNC Financial Services Group stock appears to be overvalued. The current stock price of $246.22 is trading 21.2% above its estimated GF Value™ of $203.23. GuruFocus considers PNC Financial Services Group to be Modestly Overvalued.

Key valuation signals for PNC:

  • Moat Score: 6
  • GF Value™: $203.23 vs. price of $246.22 (21.2% above fair value)
  • GF Score™: 78/100 with 8 warning signs

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

PNC Financial Services Group Business Description

Address 300 Fifth Avenue, The Tower at PNC Plaza, Pittsburgh, PA, USA, 15222-2401
PNC Financial is one of the three super-regional banks in the US, with over $600 billion in total assets at the end of March 2026. Headquartered in Pittsburgh, Pennsylvania, PNC Financial has a coast-to-coast branch network, with a strong presence in the US Midwest and Northeast. It closed its acquisition of FirstBank in January 2026, which added around $26 billion in assets to its balance sheet, and PNC is currently expanding in the Southern and Western regions of the US. The bank provides a diversified set of financial services in retail banking, commercial banking, card and treasury management, asset management, and investment banking. PNC derived around 38% of revenue from fee income and 62% from net interest income in 2025.
78GF Score

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

$246.22
Price
$203.23
GF Value