PBNC (PB Financial) Tariff Resilience Score: 8/10 (As of Jul. 14, 2026)

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Director of Data and Quant Analytics at GuruFocus
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PBNC PB Financial Corp PBNC
63 GF Score
Price $70.00
GF Value $56.91
Valuation Modestly Overvalued
! 1 Warning Sign
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What is PB Financial Tariff Resilience Score?

PB Financial PBNC 63 Tariff Resilience Score is 8 as of Jul. 14, 2026. GuruFocus rates PBNC with a GF Score™ of 63/100 and a GF Value™ of $56.91 (Modestly Overvalued). The stock has 1 warning sign investors should review. Among 1,609 Banks companies, PB Financial ranks better than 78.74% on this metric.

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

PB Financial has Low exposure as a financial services company. Minimal direct impact from tariffs. Revenue is primarily domestic. Historical tariffs have had negligible effects.

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 PB Financial might have Highly Resilient.

PB Financial  (OTCPK:PBNC) 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

PB Financial Tariff Resilience Score Related Terms

PBNC vs FINW, FOTB, CBTN: Tariff Resilience Score Comparison

For the Banks - Regional subindustry, PB 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.

PB Financial Tariff Resilience Score vs Banks Industry

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

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


PBNC
63GF Score
PB Financial Corp PBNC
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?
PB Financial (PBNC) has a Tariff Resilience Score of 8 as of Jul. 14, 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, PB Financial ranks #342 out of 1609 companies in the Banks industry, placing it in the top 21.3%.
Is PB Financial's Tariff Resilience Score too high?
PB Financial's current Tariff Resilience Score is 8. Based on the distribution chart, PB Financial ranks #342 out of 1609 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, PB Financial has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PB Financial's Tariff Resilience Score compare to FINW and FOTB?
According to the Banks industry distribution chart, PB Financial ranks #342 out of 1609 companies for Tariff Resilience Score. This places PB 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. PB 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 PB Financial stock overvalued right now?
Based on GuruFocus' analysis, PB Financial (PBNC) is currently considered Modestly Overvalued. The stock's GF Value™ is $56.91, compared to a current price of $70.00 — trading 23% above its estimated fair value. The current Tariff Resilience Score is 8. PB Financial's overall GF Score™ is 63/100 with 1 warning sign 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 PB Financial (PBNC), the current Tariff Resilience Score is 8 as of Jul. 14, 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 PB Financial (PBNC) Overvalued in 2026?

Based on GuruFocus' analysis, PB Financial stock appears to be overvalued. The current stock price of $70.00 is trading 23% above its estimated GF Value™ of $56.91. GuruFocus considers PB Financial to be Modestly Overvalued.

Key valuation signals for PBNC:

  • Tariff Resilience Score: 8
  • GF Value™: $56.91 vs. price of $70.00 (23% above fair value)
  • GF Score™: 63/100 with 1 warning sign

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

PB Financial Business Description

Address 450 North Winstead Avenue, PO Box 7727, Rocky Mount, NC, USA, 27804
PB Financial Corp is a financial holding company whose principal business activity consists of the ownership of a bank. Along with its subsidiaries, the company is engaged in offering general commercial and retail banking services to communities across North Carolina in Holly Ridge, Jacksonville, Morehead City, Nashville, Raleigh, Richlands, Rocky Mount, Tarboro, Wilson, and New Bern. The various financial products and services offered by the Group include checking accounts, savings accounts, digital banking services, business savings accounts, different types of loans and advances, credit cards, and payment solutions, among others. The majority of its revenue is generated in the form of interest income.
63GF Score

Get the complete analysis for PBNC

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

$70.00
Price
$56.91
GF Value