JFWV (JSB Financial) Tariff Resilience Score: 8/10 (As of Jul. 12, 2026)


JFWV JSB Financial Inc JFWV
54 GF Score
Price $122.00
GF Value $113.67
Valuation Fairly Valued
! 3 Warning Signs
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What is JSB Financial Tariff Resilience Score?

JSB Financial JFWV 54 Tariff Resilience Score is 8 as of Jul. 12, 2026. GuruFocus rates JFWV with a GF Score™ of 54/100 and a GF Value™ of $113.67 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,610 Banks companies, JSB Financial ranks better than 78.76% on this metric.

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

JSB Financial has As a financial services company, JSB Financial Inc has minimal direct exposure to tariffs. Its operations are primarily domestic, reducing vulnerability to international trade disruptions.

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 JSB Financial might have Highly Resilient.

JSB Financial  (OTCPK:JFWV) 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

JSB Financial Tariff Resilience Score Related Terms

JFWV vs RBNK, WOBK, FBPA: Tariff Resilience Score Comparison

For the Banks - Regional subindustry, JSB Financial'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.

JSB Financial Tariff Resilience Score vs Banks Industry

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

* The bar in red indicates where JSB Financial's Tariff Resilience Score falls into.


JFWV
54GF Score
JSB Financial Inc JFWV
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?
JSB Financial (JFWV) has a Tariff Resilience Score of 8 as of Jul. 12, 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, JSB Financial ranks #342 out of 1610 companies in the Banks industry, placing it in the top 21.2%.
Is JSB Financial's Tariff Resilience Score too high?
JSB Financial's current Tariff Resilience Score is 8. Based on the distribution chart, JSB Financial ranks #342 out of 1610 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, JSB Financial has a GF Score™ of 54/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does JSB Financial's Tariff Resilience Score compare to RBNK and WOBK?
According to the Banks industry distribution chart, JSB Financial ranks #342 out of 1610 companies for Tariff Resilience Score. This places JSB Financial 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. JSB Financial'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 JSB Financial stock overvalued right now?
Based on GuruFocus' analysis, JSB Financial (JFWV) is currently considered Fairly Valued. The stock's GF Value™ is $113.67, compared to a current price of $122.00 — trading 7.3% above its estimated fair value. The current Tariff Resilience Score is 8. JSB Financial's overall GF Score™ is 54/100 with 3 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 JSB Financial (JFWV), the current Tariff Resilience Score is 8 as of Jul. 12, 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 JSB Financial (JFWV) Overvalued in 2026?

Based on GuruFocus' analysis, JSB Financial stock appears to be overvalued. The current stock price of $122.00 is trading 7.3% above its estimated GF Value™ of $113.67. GuruFocus considers JSB Financial to be Fairly Valued.

Key valuation signals for JFWV:

  • Tariff Resilience Score: 8
  • GF Value™: $113.67 vs. price of $122.00 (7.3% above fair value)
  • GF Score™: 54/100 with 3 warning signs

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

JSB Financial Business Description

Address 105 East Washington Street, P.O. Box 35, Shepherdstown, WV, USA, 25443
JSB Financial Inc provides banking products and services to individuals, agricultural businesses, small and medium enterprises, local government entities, and nonprofit organizations through its offices in Jefferson and Berkeley Counties, West Virginia, and Washington County, Maryland. It operates through a single community banking segment, offering deposit products such as checking, savings, time, and money market accounts, along with personal, credit card, commercial, construction, and real estate loans, and services like safe deposit boxes and wire transfers. Revenue is mainly generated from interest income on loans and investment securities, as well as fees and other income.
54GF Score

Get the complete analysis for JFWV

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

$122.00
Price
$113.67
GF Value