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Data-driven stock valuation

Bank Jabar (BJBR) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Bank Jabar stock IDR 1,226, price IDR 710, upside +72.6%, quality 60 out of 100. Rating: strongly undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services ID · ISIN ID1000115702

BJ Bank Jabar logo Thin data Nov 7, 2026

Bank Jabar

BJBR · JK
Meets all rules: undervalued, solid quality, uptrend

The stock costs 42% less than our calculation considers fair.

Fair value 1,226 IDR · Strongly undervalued (42%)
Quality 60/100
Solidly profitable · 15.5% net margin (TTM)
Ranks above peers (9/15)
Costs just 5.3 times its yearly profit.
Mixed Growth (revenue 5y +7.8 %/yr in IDR)
Moderate moat 57/100 · thin data
Thin data
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

1,034 IDR 584.82 IDR Fair Value 1,226 IDR Jun 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.

How to read this chart

60‑month range 584.82 IDR – 1,034 IDR · fair‑value band 1,135 IDR – 1,610 IDR · the 710.00 IDR price screens below the 1,226 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.

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Company profile

PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk, together with its subsidiaries, provides banking products and services to individuals and businesses in Indonesia. It operates through two segments, Conventional and Sharia.

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The company offers savings and checking accounts; time, foreign currency, and online deposits; employee, home ownership, motor vehicle, ultra micro and micro, small and medium enterprise, and corporation and government credit products; drinking water and education fee bill payment services; tax payment services; foreign exchange, safe deposit box, weekend banking, money transfer, and customer care; and corporate internet banking, trade finance, treasury and custody, bank guarantee, bank financial support, and digital empowerment services.

It also provides investment and insurance services, including retail bonds, mutual funds, and bancassurance; e-banking services; debit and credit cards; ATMs; quick response code Indonesian standard payment services; and self-service banking machines.

The company was formerly known as PT Bank Pembangunan Daerah Jawa Barat and changed its name to PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk in November 2007. PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk was founded in 1961 and is headquartered in Bandung, Indonesia.

Stock analysis

Bank Jabar (BJBR) currently trades at 710.00 IDR, while our model-based Fair Value estimate is 1,226 IDR, implying the stock looks roughly 42% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of 1,513 IDR per share, and 6 of the 6 models we run sit above the 710.00 IDR price.

Bear case: the Dividend Discount group reads lowest at 745.73 IDR, and 0 of the 6 models stay below the price. Data coverage for this calculation is low.

Scenario range: 1,135 IDR (bear) to 1,610 IDR (bull), the price of 710.00 IDR sits below 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 60/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Bank Jabar reported revenue of 19.7T IDR in FY2025 versus 14.2T IDR in FY2021, a compound +8.5%/yr. Reported net income was 1.2T IDR in FY2025, compounding −13.2%/yr from FY2021.

Key figures

Market cap 7.5T IDR (≈ $413M) Small · P/E ratio 5.3 · P/S ratio 1.11 · EPS (TTM) 137.12 IDR · Net margin 15.5% · Return on equity 9.4% · Return on assets (EBIT) 1.2% (5-year average) · Operating margin 26.6%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 57 out of 100 (low confidence).

What moves the price

The share trades about 13% below its 52-week high and 4% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 73%, BJBR screens cheaper than that median.

Fair Value models

Bear 1,135 IDR Fair Value 1,226 IDR Bull 1,610 IDR
Price 710.00 IDR · Upside +72.6%
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 (117.21 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.
Best data coverage
Residual Income 1,200 IDR 1,226 IDR 1,307 IDR 76
Gordon GGM 448.81 IDR 769.92 IDR 1,018 IDR 68
DDM Multi-Stage 448.81 IDR 721.53 IDR 826.53 IDR 67
All 6 models by family
Dividend Discount
Gordon GGM 448.81 IDR 769.92 IDR 1,018 IDR 68
DDM Multi-Stage 448.81 IDR 721.53 IDR 826.53 IDR 67
Multiples
P/E Multiple 1,068 IDR 1,424 IDR 1,780 IDR 63
P/B Multiple 1,202 IDR 1,603 IDR 2,003 IDR 55
Asset-Based
NCAV (Graham) 804.87 IDR 1,079 IDR 1,610 IDR 53
Economic Profit
Residual Income 1,200 IDR 1,226 IDR 1,307 IDR 76

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Quality Score breakdown

Overall quality 60/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 19
How much profit the company makes from its sales and capital
Quality Growth 43
Are margins and returns getting better?
Cashflow 99
Do the profits arrive as real cash?
Financial strength 34
Debt, balance sheet and risk of trouble
Investment 79
Does it invest with discipline instead of growing at any price?
Low Volatility 92
How calm the share price moves, does not count
Price momentum 33
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 25
Distance to the 52-week high, does not count
New shares 82
Buys back shares or issues new ones?

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Revenue & earnings trend

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. 73/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+13.2%
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.
+10.6%
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.
+7.8%
Start year 2020 (pandemic). Over 10 years: +6.8% a year
Revenue growth 22 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.
+12.2%
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. Basis: EBIT basis. 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.
−3.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year−3.3%
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.−8.5% vs −0.8%, 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.16% → 10%
Pace: the 5-year rate starts in 2020 (pandemic)

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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 9/15 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 60 · Top 25%
Fair Value upside +72.6% · Top 25%
Profitability
Return on equity (12 months) 9.4% · Below median
Return on assets 0.7% · Below median
Net margin (12 months) 21.4% · Bottom 25%
Operating margin (12 months) 26.6% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 9.9% · Above median
Dividend yield (12 months) 0.0% · Bottom 25%
Balance sheet
Debt / equity 1.35× · Highest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 5.3× · Cheapest 25%
P/B 0.44× · Cheapest 25%
P/S (12 months) 1.11× · Cheapest 25%
Price / free cash flow (fiscal year) 2.2× · Cheapest 25%
EV/EBITDA 4.3× · Cheapest 25%
PEG 0.42× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 8
FUTURE (revenue growth)50 · sector 47
PAST (return on equity)38 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs BJBR
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs BJBR
BNP Paribas SA BNP €91.93 €106.01 +15% vs BJBR
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs BJBR
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs BJBR
UniCredit S.p.A UCG €76.80 €50.44 −34% vs BJBR
Mizuho Financial Group MFG $9.40 $5.90 −37% vs BJBR
DBS Group D05 69.72 SGD 40.39 SGD −42% vs BJBR
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs BJBR
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs BJBR

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Bank Jabar: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Bank Jabar Fair Value". https://www.fairvalue-calculator.com/stock/BJBR

Frequently asked questions

Is Bank Jabar (BJBR) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of 1,226 IDR versus a price of 710.00 IDR, about +73% upside (undervalued).
What is the fair value of BJBR?
Our model-based fair value for Bank Jabar is 1,226 IDR (as of Nov 7, 2026), built from audited fundamentals. The current price: 710.00 IDR.
What is the quality score of BJBR?
Bank Jabar has a Quality Score of 60/100. 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 Jabar (BJBR)?
Our model-based price target is the fair value of 1,226 IDR (as of Nov 7, 2026) from 6 valuation models. Cautious scenario 1,135 IDR, optimistic scenario 1,610 IDR. It is a calculation from audited fundamentals, not an analyst target.
What is the Bank Jabar stock forecast for 2026?
Our models put fair value at 1,226 IDR, about +73% upside versus a price of 710.00 IDR (undervalued). Cautious scenario 1,135 IDR, optimistic scenario 1,610 IDR. The calculation is refreshed regularly with new filings.
What is the revenue of Bank Jabar (BJBR)?
Bank Jabar reported trailing-twelve-month revenue of about 9.3T IDR (latest available figure, as of Nov 7, 2026).
What is the intrinsic value of Bank Jabar (BJBR)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bank Jabar it is 1,226 IDR per share (as of Nov 7, 2026), against a price of 710.00 IDR. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Bank Jabar stock overvalued or undervalued in 2026?
As of Nov 7, 2026, BJBR trades below its calculated fair value: price 710.00 IDR, fair value 1,226 IDR, a gap of about +73% (undervalued). 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 BJBR?
No. The price is what the market pays today (710.00 IDR); the fair value is what the company's own numbers justify (1,226 IDR). For Bank Jabar the two are 515.72 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is Bank Jabar worth?
The market values Bank Jabar at about 7.5T IDR (market capitalisation, as of Nov 7, 2026). Per share that is 710.00 IDR; our models calculate a fair value of 1,226 IDR per share.
What do the bullish and bearish scenarios say about BJBR?
Our models span a range for Bank Jabar: cautious scenario 1,135 IDR, base 1,226 IDR, optimistic 1,610 IDR per share (as of Nov 7, 2026, price 710.00 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BJBR?
Bank Jabar trades at a price-to-earnings ratio of 5.3 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 1,226 IDR is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 7.4. Other multiples: PEG 0.4, P/B 0.4, P/S 1.1, EV/EBITDA 4.3.
What is the PEG ratio of BJBR?
The PEG ratio of Bank Jabar is 0.42 (P/E divided by earnings growth, as of Nov 7, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Bank Jabar (BJBR)?
Balance-sheet figures for Bank Jabar (as of Nov 7, 2026): return on equity 9.4%, debt of 1.35 per unit of equity. They feed the Quality Score of 60/100, which measures business quality independently of the share price.
How far is BJBR from its 52-week high?
Bank Jabar trades at 710.00 IDR, about 13% below its 52-week high of 820.00 IDR and 4% above the low of 685.00 IDR (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 1,226 IDR is for.
Which stocks are comparable to Bank Jabar?
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 Jabar stock attractive at the current price?
The data as of Nov 7, 2026: price 710.00 IDR, calculated fair value 1,226 IDR (+73%), Quality Score 60/100, 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 BJBR calculated?
We run Bank Jabar through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 1,226 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 Jabar currently trades 42% below its own fair value, and the market average says nothing about that. 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 Jabar (BJBR)?
The closing price on Nov 6, 2026 was 710.00 IDR. Our model-based fair value is 1,226 IDR, about +73% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bank Jabar right now?
The price is below even our cautious bear case (1,135 IDR). The market is more pessimistic than our downside scenario. 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 quality (60/100) at a price below fair value, the discount is the argument here, not the business quality. 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 Jabar (BJBR) come from?
Earnings per share at Bank Jabar grew +1.0 % a year from 2014 to 2025. Broken into its drivers: revenue per share +5.5 %, EBIT margin −3.6 %, tax rate +0.1 %, residual (interest, one-offs) −0.8 %. 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 Jabar

How large is the market capitalisation of Bank Jabar (BJBR)?
The market capitalisation of Bank Jabar is 7.5T IDR (≈ $413M). 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 Jabar (BJBR)?
The price-to-sales ratio of Bank Jabar is 1.11 (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 Jabar (BJBR)?
Earnings per share at Bank Jabar are 137.12 IDR (price ÷ EPS = P/E 5.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Bank Jabar (BJBR)?
The net margin of Bank Jabar is 15.5% (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 Jabar (BJBR)?
The return on equity (ROE) of Bank Jabar is 9.4% (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 Jabar (BJBR)?
On an EBIT basis the return on assets of Bank Jabar is 1.2% (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 Jabar (BJBR)?
The operating margin of Bank Jabar is 26.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bank Jabar (BJBR)?
Revenue at Bank Jabar is growing +9.9% versus a year earlier (3y avg +10.6%). 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 Jabar (BJBR)?
Earnings per share at Bank Jabar are growing +294% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Bank Jabar (BJBR) generate?
The free cash flow of Bank Jabar is 4.7T IDR (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Bank Jabar (BJBR) carry?
The net debt of Bank Jabar is 21.4T IDR (fiscal year 2025, ≈ 4.6 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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