TCNB (Town Center Bank IL) Tariff Resilience Score: 10/10 (As of Jul. 21, 2026)

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TCNB Town Center Bank IL TCNB
67 GF Score
Price $7.41
GF Value $6.48
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Town Center Bank IL Tariff Resilience Score?

Town Center Bank IL TCNB -3.14% 67 Tariff Resilience Score is 10 as of Jul. 21, 2026. GuruFocus rates TCNB with a GF Score™ of 67/100 and a GF Value™ of $6.48 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,605 Banks companies, Town Center Bank IL ranks better than 99.94% on this metric.

Town Center Bank IL has the Tariff Resilience Score of 10, which implies that the company might have Highly Resilient.

Town Center Bank IL has As a local bank, Town Center Bank IL has no direct exposure to international trade tariffs. Its operations are entirely domestic, making it highly resilient to any tariff-related impacts.

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 Town Center Bank IL might have Highly Resilient.

Town Center Bank IL  (OTCPK:TCNB) 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

Town Center Bank IL Tariff Resilience Score Related Terms

TCNB vs CCYY, FIDS, CRZY: Tariff Resilience Score Comparison

For the Banks - Regional subindustry, Town Center Bank IL'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.

Town Center Bank IL Tariff Resilience Score vs Banks Industry

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

* The bar in red indicates where Town Center Bank IL's Tariff Resilience Score falls into.


TCNB
67GF Score
Town Center Bank IL TCNB
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 10 mean?
Town Center Bank IL (TCNB) has a Tariff Resilience Score of 10 as of Jul. 21, 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, Town Center Bank IL ranks #1 out of 1605 companies in the Banks industry, placing it in the top 0.099999999999994%.
Is Town Center Bank IL's Tariff Resilience Score too high?
Town Center Bank IL's current Tariff Resilience Score is 10. Based on the distribution chart, Town Center Bank IL ranks #1 out of 1605 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Town Center Bank IL has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Town Center Bank IL's Tariff Resilience Score compare to CCYY and FIDS?
According to the Banks industry distribution chart, Town Center Bank IL ranks #1 out of 1605 companies for Tariff Resilience Score. This places Town Center Bank IL in the top 0% 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. Town Center Bank IL's current Tariff Resilience Score is 10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Town Center Bank IL stock overvalued right now?
Based on GuruFocus' analysis, Town Center Bank IL (TCNB) is currently considered Modestly Overvalued. The stock's GF Value™ is $6.48, compared to a current price of $7.41 — trading 14.4% above its estimated fair value. The current Tariff Resilience Score is 10. Town Center Bank IL's overall GF Score™ is 67/100 with 5 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 Town Center Bank IL (TCNB), the current Tariff Resilience Score is 10 as of Jul. 21, 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 Town Center Bank IL (TCNB) Overvalued in 2026?

Based on GuruFocus' analysis, Town Center Bank IL stock appears to be overvalued. The current stock price of $7.41 is trading 14.4% above its estimated GF Value™ of $6.48. GuruFocus considers Town Center Bank IL to be Modestly Overvalued.

Key valuation signals for TCNB:

  • Tariff Resilience Score: 10
  • GF Value™: $6.48 vs. price of $7.41 (14.4% above fair value)
  • GF Score™: 67/100 with 5 warning signs

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

Town Center Bank IL Business Description

Address 1938 E. Lincoln Highway, Unit 201, New Lenox, IL, USA, 60451
Town Center Bank IL provides banking products and services to families, businesses, and organizations in Illinois. The company's products include checking, savings, and term certificate accounts, and its lending products include residential mortgages, commercial real estate, construction, land development, and consumer loans. Other financial instruments offered by the bank include loan commitments, credit lines, letters of credit, and overdraft protection.
67GF Score

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

$7.41
Price
$6.48
GF Value