First Northern Community Bancorp (FRA:VW8) Tariff Resilience Score: 9/10 (As of Jul. 08, 2026)


FRA:VW8 First Northern Community Bancorp FRA:VW8
57 GF Score
Price €14.78
GF Value €8.33
! 6 Warning Signs
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What is First Northern Community Bancorp Tariff Resilience Score?

First Northern Community Bancorp FRA:VW8 -0.27% 57 Tariff Resilience Score is 9 as of Jul. 08, 2026. GuruFocus rates FRA:VW8 with a GF Score™ of 57/100 and a GF Value™ of €8.33. The stock has 6 warning signs investors should review. Among 1,606 Banks companies, First Northern Community Bancorp ranks better than 99.25% on this metric.

First Northern Community Bancorp has the Tariff Resilience Score of 9, which implies that the company might have Highly Resilient.

First Northern Community Bancorp has As a community bank, FNRN's operations are primarily domestic, with minimal exposure to international trade tariffs. Its focus on local banking services insulates it from global supply chain and trade policy impacts.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes First Northern Community Bancorp might have Highly Resilient.

First Northern Community Bancorp  (FRA:VW8) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

First Northern Community Bancorp Tariff Resilience Score Related Terms

FRA:VW8 vs WNEB, CCFN, FUNC: Tariff Resilience Score Comparison

For the Banks - Regional subindustry, First Northern Community Bancorp's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience 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 Northern Community Bancorp Tariff Resilience Score vs Banks Industry

For the Banks industry and Financial Services sector, First Northern Community Bancorp's Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where First Northern Community Bancorp's Tariff Resilience Score falls into.


FRA:VW8
57GF Score
First Northern Community Bancorp FRA:VW8
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 9 mean?
First Northern Community Bancorp (FRA:VW8) has a Tariff Resilience Score of 9 as of Jul. 08, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, First Northern Community Bancorp ranks #12 out of 1606 companies in the Banks industry, placing it in the top 0.7%.
Is First Northern Community Bancorp's Tariff Resilience Score too high?
First Northern Community Bancorp's current Tariff Resilience Score is 9. Based on the distribution chart, First Northern Community Bancorp ranks #12 out of 1606 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, First Northern Community Bancorp has a GF Score™ of 57/100, reflecting its overall financial health beyond just this single metric.
How does First Northern Community Bancorp's Tariff Resilience Score compare to WNEB and CCFN?
According to the Banks industry distribution chart, First Northern Community Bancorp ranks #12 out of 1606 companies for Tariff Resilience Score. This places First Northern Community Bancorp in the top 1% 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 Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. First Northern Community Bancorp's current Tariff Resilience Score is 9. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Northern Community Bancorp stock overvalued right now?
First Northern Community Bancorp (FRA:VW8) has a current Tariff Resilience Score of 9. The stock's GF Value™ is €8.33, compared to a current price of €14.78 — trading 77.4% above its estimated fair value. The current Tariff Resilience Score is 9. First Northern Community Bancorp's overall GF Score™ is 57/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For First Northern Community Bancorp (FRA:VW8), the current Tariff Resilience Score is 9 as of Jul. 08, 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 Northern Community Bancorp (FRA:VW8) Overvalued in 2026?

Based on GuruFocus' analysis, First Northern Community Bancorp stock appears to be overvalued. The current stock price of €14.78 is trading 77.4% above its estimated GF Value™ of €8.33.

Key valuation signals for FRA:VW8:

  • Tariff Resilience Score: 9
  • GF Value™: €8.33 vs. price of €14.78 (77.4% above fair value)
  • GF Score™: 57/100 with 6 warning signs

No single metric tells the full story. See the FRA:VW8 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

First Northern Community Bancorp Business Description

Other Exchanges FNRN:USA
Address 195 North First Street, Dixon, CA, USA, 95620
First Northern Community Bancorp is a bank holding company for a community bank, First Northern Bank of Dixon. It conducts general banking activities, including collecting deposits and originating loans, and serves Solano, Yolo, Sacramento, Placer, El Dorado, and Contra Costa Counties. It offers a broad range of alternative investment products and services, equipment leasing, credit cards, merchant card processing, payroll services, and limited international banking services. The bank generates the majority of its revenue by providing various products and services to small and medium-sized businesses and individuals. including accepting demand, interest bearing transaction, savings, and time deposits, and making commercial, consumer, and real estate-related loans.
57GF Score

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

€14.78
Price
€8.33
GF Value