PPBN (Pinnacle Bankshares) Moat Score: 3/10 (As of Aug. 04, 2026)

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PPBN Pinnacle Bankshares Corp PPBN
70 GF Score
Price $60.96
GF Value $40.09
Valuation Significantly Overvalued
! 4 Warning Signs
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What is Pinnacle Bankshares Moat Score?

Pinnacle Bankshares PPBN +0.66% 70 Moat Score is 3 as of Aug. 04, 2026. GuruFocus rates PPBN with a GF Score™ of 70/100 and a GF Value™ of $40.09 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,608 Banks companies, Pinnacle Bankshares ranks better than 74.63% on this metric.

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

Pinnacle Bankshares has No Moat: Pinnacle Bankshares has a very weak moat with limited market leadership and no significant network effects or customer switching costs. The regional bank faces intense competition and lacks significant cost advantages or strong brand loyalty.

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

Pinnacle Bankshares  (OTCPK:PPBN) 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 Bankshares Moat Score Related Terms

PPBN vs BNCC, CCNB, CTUY: Moat Score Comparison

For the Banks - Regional subindustry, Pinnacle 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.

Pinnacle Bankshares Moat Score vs Banks Industry

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

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


PPBN
70GF Score
Pinnacle Bankshares Corp PPBN
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?
Pinnacle Bankshares (PPBN) has a Moat Score of 3 as of Aug. 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, Pinnacle Bankshares ranks #408 out of 1608 companies in the Banks industry, placing it in the top 25.4%.
Is Pinnacle Bankshares' Moat Score too high?
Pinnacle Bankshares' current Moat Score is 3. Based on the distribution chart, Pinnacle Bankshares ranks #408 out of 1608 companies in the Banks industry, which is above the industry midpoint. Overall, Pinnacle Bankshares has a GF Score™ of 70/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pinnacle Bankshares' Moat Score compare to BNCC and CCNB?
According to the Banks industry distribution chart, Pinnacle Bankshares ranks #408 out of 1608 companies for Moat Score. This puts Pinnacle Bankshares 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. Pinnacle Bankshares'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 Pinnacle Bankshares stock overvalued right now?
Based on GuruFocus' analysis, Pinnacle Bankshares (PPBN) is currently considered Significantly Overvalued. The stock's GF Value™ is $40.09, compared to a current price of $60.96 — trading 52.1% above its estimated fair value. The current Moat Score is 3. Pinnacle Bankshares' overall GF Score™ is 70/100 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 Pinnacle Bankshares (PPBN), the current Moat Score is 3 as of Aug. 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 Pinnacle Bankshares (PPBN) Overvalued in 2026?

Based on GuruFocus' analysis, Pinnacle Bankshares stock appears to be overvalued. The current stock price of $60.96 is trading 52.1% above its estimated GF Value™ of $40.09. GuruFocus considers Pinnacle Bankshares to be Significantly Overvalued.

Key valuation signals for PPBN:

  • Moat Score: 3
  • GF Value™: $40.09 vs. price of $60.96 (52.1% above fair value)
  • GF Score™: 70/100 with 4 warning signs

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

Pinnacle Bankshares Business Description

Address 622 Broad Street, Post Office Box 29, Altavista, VA, USA, 24517
Pinnacle Bankshares Corp is a bank holding company. It offers commercial and retail banking products and services including checking, savings and time deposits, individual retirement accounts, merchant bankcard processing, residential and commercial mortgages, loans, Treasury services, Business and Personal Credit Card, Telephone banking, commercial lines of credit, letters of credit and Others. The company also offers investment, insurance, and annuity products.
70GF Score

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

$60.96
Price
$40.09
GF Value