PNFPPC.PFD (Pinnacle Financial Partners) Moat Score: 5/10 (As of Jun. 28, 2026)


PNFPPC.PFD Pinnacle Financial Partners Inc PNFPPC.PFD
68 GF Score
Price $24.53
! 2 Warning Signs
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What is Pinnacle Financial Partners Moat Score?

Pinnacle Financial Partners PNFPPC.PFD -0.10% 68 Moat Score is 5 as of Jun. 28, 2026. GuruFocus rates PNFPPC.PFD with a GF Score™ of 68/100. The stock has 2 warning signs investors should review. Among 1,614 Banks companies, Pinnacle Financial Partners ranks better than 94.05% on this metric.

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

Pinnacle Financial Partners has Narrow Moat: Pinnacle Financial Partners Inc has a strong regional presence and customer relationships. It benefits from economies of scale but faces competition from larger banks, limiting its ability to expand its market share significantly.

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 Pinnacle Financial Partners might have Narrow Moat - Solid narrow moat.

Pinnacle Financial Partners  (NYSE:PNFPpC.PFD) 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

Pinnacle Financial Partners Moat Score Related Terms

PNFPPC.PFD vs EWBC, WBS, FHN: Moat Score Comparison

For the Banks - Regional subindustry, Pinnacle Financial Partners'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.

Pinnacle Financial Partners Moat Score vs Banks Industry

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

* The bar in red indicates where Pinnacle Financial Partners's Moat Score falls into.


PNFPPC.PFD
68GF Score
Pinnacle Financial Partners Inc PNFPPC.PFD
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?
Pinnacle Financial Partners (PNFPPC.PFD) has a Moat Score of 5 as of Jun. 28, 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, Pinnacle Financial Partners ranks #96 out of 1614 companies in the Banks industry, placing it in the top 5.9%.
Is Pinnacle Financial Partners' Moat Score too high?
Pinnacle Financial Partners' current Moat Score is 5. Based on the distribution chart, Pinnacle Financial Partners ranks #96 out of 1614 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Pinnacle Financial Partners has a GF Score™ of 68/100, reflecting its overall financial health beyond just this single metric.
How does Pinnacle Financial Partners' Moat Score compare to EWBC and WBS?
According to the Banks industry distribution chart, Pinnacle Financial Partners ranks #96 out of 1614 companies for Moat Score. This places Pinnacle Financial Partners 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. Pinnacle Financial Partners'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 Pinnacle Financial Partners stock overvalued right now?
Pinnacle Financial Partners (PNFPPC.PFD) has a current Moat Score of 5. The current Moat Score is 5. Pinnacle Financial Partners' overall GF Score™ is 68/100 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 Pinnacle Financial Partners (PNFPPC.PFD), the current Moat Score is 5 as of Jun. 28, 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.

Pinnacle Financial Partners Business Description

Other Exchanges PNFP:USA
Address 3400 Overton Park Drive, Atlanta, GA, USA, 30339
Pinnacle Financial Partners Inc is a financial holding company. The company operates through its wholly-owned subsidiary, Pinnacle Bank. The bank provides a full range of lending products, including commercial, real estate, and consumer loans to individuals and small to medium-sized businesses. It operates as a community bank mainly in the urban markets of Nashville, Knoxville, Memphis, and Chattanooga, Tennessee, as well as surrounding counties. It relies heavily on mergers and acquisitions. A majority of its loan portfolio is in commercial loans, mainly real estate, as well as industrial loans. The bank generates a majority of its net revenue through net interest income.
68GF Score

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