BPER Banca SpA (HAM:4BE) Tariff Resilience Score: 9/10 (As of Jul. 11, 2026)


HAM:4BE BPER Banca SpA HAM:4BE
56 GF Score
Price €13.95
GF Value €5.01
Valuation Significantly Overvalued
! 8 Warning Signs
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What is BPER Banca SpA Tariff Resilience Score?

BPER Banca SpA HAM:4BE -0.19% 56 Tariff Resilience Score is 9 as of Jul. 11, 2026. GuruFocus rates HAM:4BE with a GF Score™ of 56/100 and a GF Value™ of €5.01 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,604 Banks companies, BPER Banca SpA ranks better than 99.25% on this metric.

BPER Banca SpA has the Tariff Resilience Score of 9, which implies that the company might have Highly Resilient.

BPER Banca SpA has As a financial institution, BPER Banca has minimal direct exposure to tariffs. Its operations are primarily domestic, with limited impact from international trade policies.

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 BPER Banca SpA might have Highly Resilient.

BPER Banca SpA  (HAM:4BE) 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

BPER Banca SpA Tariff Resilience Score Related Terms

BPER Banca SpA Tariff Resilience Score Competitor Comparison

For the Banks - Regional subindustry, BPER Banca SpA'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.

BPER Banca SpA Tariff Resilience Score vs Banks Industry

For the Banks industry and Financial Services sector, BPER Banca SpA's Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where BPER Banca SpA's Tariff Resilience Score falls into.


HAM:4BE
56GF Score
BPER Banca SpA HAM:4BE
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?
BPER Banca SpA (HAM:4BE) has a Tariff Resilience Score of 9 as of Jul. 11, 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, BPER Banca SpA ranks #12 out of 1604 companies in the Banks industry, placing it in the top 0.7%.
Is BPER Banca SpA's Tariff Resilience Score too high?
BPER Banca SpA's current Tariff Resilience Score is 9. Based on the distribution chart, BPER Banca SpA ranks #12 out of 1604 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, BPER Banca SpA has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BPER Banca SpA's Tariff Resilience Score compare to competitors?
According to the Banks industry distribution chart, BPER Banca SpA ranks #12 out of 1604 companies for Tariff Resilience Score. This places BPER Banca SpA 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. BPER Banca SpA'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 BPER Banca SpA stock overvalued right now?
Based on GuruFocus' analysis, BPER Banca SpA (HAM:4BE) is currently considered Significantly Overvalued. The stock's GF Value™ is €5.01, compared to a current price of €13.95 — trading 178.4% above its estimated fair value. The current Tariff Resilience Score is 9. BPER Banca SpA's overall GF Score™ is 56/100 with 8 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 BPER Banca SpA (HAM:4BE), the current Tariff Resilience Score is 9 as of Jul. 11, 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 BPER Banca SpA (HAM:4BE) Overvalued in 2026?

Based on GuruFocus' analysis, BPER Banca SpA stock appears to be overvalued. The current stock price of €13.95 is trading 178.4% above its estimated GF Value™ of €5.01. GuruFocus considers BPER Banca SpA to be Significantly Overvalued.

Key valuation signals for HAM:4BE:

  • Tariff Resilience Score: 9
  • GF Value™: €5.01 vs. price of €13.95 (178.4% above fair value)
  • GF Score™: 56/100 with 8 warning signs

No single metric tells the full story. See the HAM:4BE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

BPER Banca SpA Business Description

Address Via San Carlo 8/20, Modena, ITA, 41121
BPER Banca SpA is a banking group consisting of four Italian regional commercial banks that merged on the initiative of BPER Banca. The banks are involved in a number of market segments, including retail banking, corporate and investment banking, and wealth management and insurance. In addition to the banks, the Group includes product companies, including asset management, personal loans, leasing, and factoring operations, and special purpose vehicles. Its strategy emphasizes customer service and cooperative banking. BPER group's customer base overwhelming derives from retail banking, mostly from individuals with some business deposits. Its loan base, however, is principally the group's corporate customers.
56GF Score

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

€13.95
Price
€5.01
GF Value