Bank Mestika Dharma Tbk (BBMD) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Bank Mestika Dharma Tbk stock IDR 928, price IDR 2,000, that is 53.6% below the price, quality 57 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.
How to read this chart
60‑month range 1,226 IDR – 2,198 IDR · fair‑value band 928.46 IDR – 1,348 IDR · the 2,000 IDR price screens above the 928.46 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 5, 2026.
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PT Bank Mestika Dharma Tbk provides banking products and services in Indonesia. It offers saving accounts, current accounts, and time deposits; and multi-purpose, house, car, and land loans, as well as trade finance, working capital loans, and investment credit services.
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The company provides mobile, Internet, and SMS banking; ATM card; safe deposit box; export and import; money changer; telegraphic transfer; foreign exchange and money transfer; tax payment facility; auto debit facilities; and virtual account services, as well as bancassurance products and services.
The company was incorporated in 1955 and is headquartered in Medan, Indonesia. PT Bank Mestika Dharma Tbk is a subsidiary of PT Mestika Benua Mas.
Stock analysis
Bank Mestika Dharma Tbk (BBMD) currently trades at 2,000 IDR, while our model-based Fair Value estimate is 928.46 IDR, 54% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 1,460 IDR per share, and 0 of the 6 models we run sit above the 2,000 IDR price.
Bear case: the Dividend Discount group reads lowest at 302.84 IDR, and 6 of the 6 models stay below the price. Data coverage for this calculation is low.
Scenario range: 928.46 IDR (bear) to 1,348 IDR (bull), the price of 2,000 IDR sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 57/100 (solid quality), in the Financial Services sector.
Weak Growth: Growth has flattened: the last year, three and five years all grew more slowly than the long-term average.
Bank Mestika Dharma Tbk reported revenue of 1.3T IDR in FY2025 versus 1.3T IDR in FY2021, a compound −0.1%/yr. Reported net income was 320B IDR in FY2025, compounding −11.4%/yr from FY2021.
Key figures
Market cap 8.3T IDR (≈ $458M) Small · P/E ratio 26.8 · P/S ratio 9.28 · EPS (TTM) 74.70 IDR · Net margin 33.6% · Return on equity 5.6% · Return on assets (EBIT) 3.4% (5-year average) · Operating margin 36.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 63 out of 100 (low confidence).
What moves the price
The share trades about 4% below its 52-week high and 9% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −54%, BBMD screens richer than that median.
Fair Value models
Bear928.46 IDRFair Value 928.46 IDRBull1,348 IDR
Price 2,000 IDR · Downside -53.6%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (63.85 IDR per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.40/100
Growth has flattened: the last year, three and five years all grew more slowly than the long-term average.
Revenue growth 1 year
+1.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−2.0%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+0.9%
Start year 2020 (pandemic). Over 10 years: +2.6% a year
Revenue growth 17 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.0%
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What shareholders gained per year (last 5 years), in IDR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in IDR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
−0.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year−0.1%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−0.1% vs 3.2%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.34% → 31%
Pace: the 5-year rate starts in 2020 (pandemic)
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+20.2%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Indonesia: IMF forecast 2.6% a year to 2030, 2.9% from 2016 to 2025) that is about +17.1% a year for the price.
Compare Bank Mestika Dharma Tbk with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Beats the industry median on 3/13 measures
Overall it trails its industry peers.
Valuation
Quality Score57 · Above median
Fair Value upside−53.6% · Bottom 25%
Profitability
Return on equity (12 months)5.6% · Bottom 25%
Return on assets1.9% · Top 25%
Net margin (12 months)33.6% · Above median
Operating margin (12 months)36.2% · Below median
Growth and dividend
Revenue growth (quarter YoY)−8.7% · Bottom 25%
Dividend yield (12 months)0.0% · Bottom 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Is Bank Mestika Dharma Tbk (BBMD) overvalued or undervalued?
As of Nov 5, 2026, our model estimates a fair value of 928.46 IDR versus a price of 2,000 IDR, about 54% lower (overvalued).
What is the fair value of BBMD?
Our model-based fair value for Bank Mestika Dharma Tbk is 928.46 IDR (as of Nov 5, 2026), built from audited fundamentals. The current price: 2,000 IDR.
What is the quality score of BBMD?
Bank Mestika Dharma Tbk has a Quality Score of 57/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Bank Mestika Dharma Tbk (BBMD)?
Our model-based price target is the fair value of 928.46 IDR (as of Nov 5, 2026) from 6 valuation models. Cautious scenario 928.46 IDR, optimistic scenario 1,348 IDR. It is a calculation from audited fundamentals, not an analyst target.
What is the Bank Mestika Dharma Tbk stock forecast for 2026?
Our models put fair value at 928.46 IDR, about 54% lower versus a price of 2,000 IDR (overvalued). Cautious scenario 928.46 IDR, optimistic scenario 1,348 IDR. The calculation is refreshed regularly with new filings.
What is the revenue of Bank Mestika Dharma Tbk (BBMD)?
Bank Mestika Dharma Tbk reported trailing-twelve-month revenue of about 895B IDR (latest available figure, as of Nov 5, 2026).
What growth is priced into Bank Mestika Dharma Tbk (BBMD)?
For today's price to be fair in a discounted-cash-flow model, Bank Mestika Dharma Tbk would have to grow free cash flow by +20.2 % per year for five years (discount rate 13.5 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +0.9 % per year. As of Nov 5, 2026.
What discount rate (WACC) does the fair value of BBMD use?
Our models discount Bank Mestika Dharma Tbk at 13.5 %: a base by market capitalisation (small), country premium for Indonesia. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Bank Mestika Dharma Tbk that is +20.2 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (13.5 %) and the same formula as our fair value.
How much growth has Bank Mestika Dharma Tbk (BBMD) delivered so far?
Over the past 5 years revenue at Bank Mestika Dharma Tbk grew +0.9 % a year. The price currently implies free-cash-flow growth of +20.2 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Bank Mestika Dharma Tbk (BBMD) growing?
The median revenue growth in the sector is +9.2 % a year. That is the yardstick for the growth priced into Bank Mestika Dharma Tbk (+20.2 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Bank Mestika Dharma Tbk (BBMD)?
The free-cash-flow yield on the price is 4.20 %: that much free cash flow Bank Mestika Dharma Tbk produces per unit of market value. When it exceeds the discount rate of our models (13.5 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Bank Mestika Dharma Tbk (BBMD)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bank Mestika Dharma Tbk it is 928.46 IDR per share (as of Nov 5, 2026), against a price of 2,000 IDR. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Bank Mestika Dharma Tbk stock overvalued or undervalued in 2026?
As of Nov 5, 2026, BBMD trades above its calculated fair value: price 2,000 IDR, fair value 928.46 IDR, a gap of about −54% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BBMD?
No. The price is what the market pays today (2,000 IDR); the fair value is what the company's own numbers justify (928.46 IDR). For Bank Mestika Dharma Tbk the two are 1,072 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is Bank Mestika Dharma Tbk worth?
The market values Bank Mestika Dharma Tbk at about 8.3T IDR (market capitalisation, as of Nov 5, 2026). Per share that is 2,000 IDR; our models calculate a fair value of 928.46 IDR per share.
What do the bullish and bearish scenarios say about BBMD?
Our models span a range for Bank Mestika Dharma Tbk: cautious scenario 928.46 IDR, base 928.46 IDR, optimistic 1,348 IDR per share (as of Nov 5, 2026, price 2,000 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BBMD?
Bank Mestika Dharma Tbk trades at a price-to-earnings ratio of 26.8 (as of Nov 5, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 928.46 IDR is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 20.3. Other multiples: P/B 1.5, P/S 9.3, EV/EBITDA 17.2.
How solid is the balance sheet of Bank Mestika Dharma Tbk (BBMD)?
Balance-sheet figures for Bank Mestika Dharma Tbk (as of Nov 5, 2026): return on equity 5.6%. They feed the Quality Score of 57/100, which measures business quality independently of the share price.
How far is BBMD from its 52-week high?
Bank Mestika Dharma Tbk trades at 2,000 IDR, about 4% below its 52-week high of 2,080 IDR and 9% above the low of 1,843 IDR (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 928.46 IDR is for.
Which stocks are comparable to Bank Mestika Dharma Tbk?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Bank Mestika Dharma Tbk stock attractive at the current price?
The data as of Nov 5, 2026: price 2,000 IDR, calculated fair value 928.46 IDR (−54%), Quality Score 57/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BBMD calculated?
We run Bank Mestika Dharma Tbk through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 928.46 IDR builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. Bank Mestika Dharma Tbk itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Bank Mestika Dharma Tbk (BBMD)?
The closing price on Nov 6, 2026 was 2,000 IDR. Our model-based fair value is 928.46 IDR, about 54% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bank Mestika Dharma Tbk right now?
The price sits above even our optimistic bull case (1,348 IDR). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (57/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Bank Mestika Dharma Tbk (BBMD) come from?
Earnings per share at Bank Mestika Dharma Tbk grew +6.5 % a year from 2014 to 2025. Broken into its drivers: revenue per share +3.2 %, EBIT margin +2.7 %, tax rate +0.4 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Bank Mestika Dharma Tbk
How large is the market capitalisation of Bank Mestika Dharma Tbk (BBMD)?
The market capitalisation of Bank Mestika Dharma Tbk is 8.3T IDR (≈ $458M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Bank Mestika Dharma Tbk (BBMD)?
The price-to-sales ratio of Bank Mestika Dharma Tbk is 9.28 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Bank Mestika Dharma Tbk (BBMD)?
Earnings per share at Bank Mestika Dharma Tbk are 74.70 IDR (price ÷ EPS = P/E 26.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Bank Mestika Dharma Tbk (BBMD)?
The net margin of Bank Mestika Dharma Tbk is 33.6% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Bank Mestika Dharma Tbk (BBMD)?
The return on equity (ROE) of Bank Mestika Dharma Tbk is 5.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Bank Mestika Dharma Tbk (BBMD)?
On an EBIT basis the return on assets of Bank Mestika Dharma Tbk is 3.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Bank Mestika Dharma Tbk (BBMD)?
The operating margin of Bank Mestika Dharma Tbk is 36.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bank Mestika Dharma Tbk (BBMD)?
Revenue at Bank Mestika Dharma Tbk is growing −8.7% versus a year earlier (3y avg −2.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Bank Mestika Dharma Tbk (BBMD)?
Earnings per share at Bank Mestika Dharma Tbk are growing −18.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Bank Mestika Dharma Tbk (BBMD) hold?
Bank Mestika Dharma Tbk holds more cash than debt, 592B IDR net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Thin data
Nov 5, 2026