STBI (Sturgis Bancorp) Tariff Resilience Score: 9/10 (As of Jul. 01, 2026)


STBI Sturgis Bancorp Inc STBI
76 GF Score
Price $26.95
GF Value $21.29
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Sturgis Bancorp Tariff Resilience Score?

Sturgis Bancorp STBI +2.86% 76 Tariff Resilience Score is 9 as of Jul. 01, 2026. GuruFocus rates STBI with a GF Score™ of 76/100 and a GF Value™ of $21.29 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,607 Banks companies, Sturgis Bancorp ranks better than 99.25% on this metric.

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

Sturgis Bancorp has As a financial services company, Sturgis Bancorp has minimal direct exposure to tariffs. Its operations are primarily domestic, reducing vulnerability to international trade policies. The score reflects its low dependency on global supply chains.

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 Sturgis Bancorp might have Highly Resilient.

Sturgis Bancorp  (OTCPK:STBI) 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

Sturgis Bancorp Tariff Resilience Score Related Terms

STBI vs NEFB, BBBK, BAOB: Tariff Resilience Score Comparison

For the Banks - Regional subindustry, Sturgis 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.

Sturgis Bancorp Tariff Resilience Score vs Banks Industry

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

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


STBI
76GF Score
Sturgis Bancorp Inc STBI
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?
Sturgis Bancorp (STBI) has a Tariff Resilience Score of 9 as of Jul. 01, 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, Sturgis Bancorp ranks #12 out of 1607 companies in the Banks industry, placing it in the top 0.7%.
Is Sturgis Bancorp's Tariff Resilience Score too high?
Sturgis Bancorp's current Tariff Resilience Score is 9. Based on the distribution chart, Sturgis Bancorp ranks #12 out of 1607 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Sturgis Bancorp has a GF Score™ of 76/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sturgis Bancorp's Tariff Resilience Score compare to NEFB and BBBK?
According to the Banks industry distribution chart, Sturgis Bancorp ranks #12 out of 1607 companies for Tariff Resilience Score. This places Sturgis 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. Sturgis 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 Sturgis Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Sturgis Bancorp (STBI) is currently considered Modestly Overvalued. The stock's GF Value™ is $21.29, compared to a current price of $26.95 — trading 26.6% above its estimated fair value. The current Tariff Resilience Score is 9. Sturgis Bancorp's overall GF Score™ is 76/100 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 Sturgis Bancorp (STBI), the current Tariff Resilience Score is 9 as of Jul. 01, 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 Sturgis Bancorp (STBI) Overvalued in 2026?

Based on GuruFocus' analysis, Sturgis Bancorp stock appears to be overvalued. The current stock price of $26.95 is trading 26.6% above its estimated GF Value™ of $21.29. GuruFocus considers Sturgis Bancorp to be Modestly Overvalued.

Key valuation signals for STBI:

  • Tariff Resilience Score: 9
  • GF Value™: $21.29 vs. price of $26.95 (26.6% above fair value)
  • GF Score™: 76/100 with 6 warning signs

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

Sturgis Bancorp Business Description

Address 113-125 East Chicago Road, P.O. Box 600, Sturgis, MI, USA, 49091
Sturgis Bancorp Inc is a bank holding company operating predominantly in the southwestern portion of Michigan's Lower Peninsula. Through its subsidiaries, it is engaged in accepting deposits and making commercial and residential mortgage loans; providing various investment and financial advisory services; offering credit cards and different types of loans; and providing title, consumer, and commercial insurance products, among others.
76GF Score

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

$26.95
Price
$21.29
GF Value