HRBK (Harbor Bankshares) Tariff Resilience Score: 8/10 (As of Aug. 03, 2026)

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HRBK Harbor Bankshares Corp HRBK
65 GF Score
Price $27.80
GF Value $17.91
Valuation Significantly Overvalued
! 4 Warning Signs
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What is Harbor Bankshares Tariff Resilience Score?

Harbor Bankshares HRBK 65 Tariff Resilience Score is 8 as of Aug. 03, 2026. GuruFocus rates HRBK with a GF Score™ of 65/100 and a GF Value™ of $17.91 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,605 Banks companies, Harbor Bankshares ranks better than 78.75% on this metric.

Harbor Bankshares has the Tariff Resilience Score of 8, which implies that the company might have Highly Resilient.

Harbor Bankshares has As a financial institution, Harbor Bankshares has limited direct exposure to tariffs. Its operations are primarily domestic, and its business model does not rely on international trade.

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 Harbor Bankshares might have Highly Resilient.

Harbor Bankshares  (OTCPK:HRBK) 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

Harbor Bankshares Tariff Resilience Score Related Terms

HRBK vs OTTW, PCLB, GNRV: Tariff Resilience Score Comparison

For the Banks - Regional subindustry, Harbor Bankshares'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.

Harbor Bankshares Tariff Resilience Score vs Banks Industry

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

* The bar in red indicates where Harbor Bankshares's Tariff Resilience Score falls into.


HRBK
65GF Score
Harbor Bankshares Corp HRBK
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 8 mean?
Harbor Bankshares (HRBK) has a Tariff Resilience Score of 8 as of Aug. 03, 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, Harbor Bankshares ranks #341 out of 1605 companies in the Banks industry, placing it in the top 21.2%.
Is Harbor Bankshares' Tariff Resilience Score too high?
Harbor Bankshares' current Tariff Resilience Score is 8. Based on the distribution chart, Harbor Bankshares ranks #341 out of 1605 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Harbor Bankshares has a GF Score™ of 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Harbor Bankshares' Tariff Resilience Score compare to OTTW and PCLB?
According to the Banks industry distribution chart, Harbor Bankshares ranks #341 out of 1605 companies for Tariff Resilience Score. This places Harbor Bankshares in the top 21% 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. Harbor Bankshares's current Tariff Resilience Score is 8. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Harbor Bankshares stock overvalued right now?
Based on GuruFocus' analysis, Harbor Bankshares (HRBK) is currently considered Significantly Overvalued. The stock's GF Value™ is $17.91, compared to a current price of $27.80 — trading 55.2% above its estimated fair value. The current Tariff Resilience Score is 8. Harbor Bankshares' overall GF Score™ is 65/100 with 4 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 Harbor Bankshares (HRBK), the current Tariff Resilience Score is 8 as of Aug. 03, 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 Harbor Bankshares (HRBK) Overvalued in 2026?

Based on GuruFocus' analysis, Harbor Bankshares stock appears to be overvalued. The current stock price of $27.80 is trading 55.2% above its estimated GF Value™ of $17.91. GuruFocus considers Harbor Bankshares to be Significantly Overvalued.

Key valuation signals for HRBK:

  • Tariff Resilience Score: 8
  • GF Value™: $17.91 vs. price of $27.80 (55.2% above fair value)
  • GF Score™: 65/100 with 4 warning signs

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

Harbor Bankshares Business Description

Address 25 West Fayette Street, Baltimore, MD, USA, 21201
Harbor Bankshares Corp is a bank holding company. The Bank is a commercial bank. The deposits of the Bank are insured up to statutory limits by the Federal Deposit Insurance Corporation (FDIC). The Bank conducts general banking business in locations and mainly serves the Baltimore, Maryland, metropolitan area. It offers checking, savings and time deposits, commercial real estate, personal, home improvement, automobiles, and other installment and term loans. The Bank is also a member of a national ATM network. The retail nature of the Bank allows for diversification of depositors and borrowers, which limits its dependency upon a single or a few customers. Its activities include providing private capital to businesses through loans and principal investments.
65GF Score

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

$27.80
Price
$17.91
GF Value