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STOCK COMPARISON

Bancorp 34 vs Bank Central Asia Tbk: Fair Value & Quality

Both stocks run through our valuation models. Here is how Bancorp 34 (BCTF) and Bank Central Asia Tbk (BBCA) compare, as of Aug 11, 2026.

As of Aug 11, 2026, Fair Value Calculator sees Bank Central Asia Tbk as the less overvalued of the two: Bancorp 34 trades at $15.38 versus a fair value of $2.74 (-82%), while Bank Central Asia Tbk trades at IDR 6,375 versus IDR 6,087 (-5%).
Bancorp 34
BCTF · USD · Financials
-82%
upside to fair value
overvalued
Price$15.38
Fair Value$2.74
Quality34/100
Bank Central Asia Tbk
BBCA.JK · IDR · Financials
-5%
upside to fair value
fairly valued
PriceIDR 6,375
Fair ValueIDR 6,087
Quality64/100

Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

Bancorp 34Bank Central Asia Tbk
Valuation
17.1×P/E (TTM)13.1×
2.91×P/S (TTM)6.99×
1.18×P/B2.70×
—EV/EBITDA9.0×
—PEG2.86×
—Dividend yield5.4%
—Dividend per shareIDR 336
Profitability
21%Net margin53%
25%Operating margin68%
8%Return on equity23%
1%Return on assets4%
Growth
-14%Revenue growth (YoY)3%
14.2%Avg. growth/yr (3Y)9.3%
14.5%Avg. growth/yr (5Y)10.2%
Balance & size
0.32×Debt / equity—
$102MMarket cap$76B
mixedGrowth qualityhealthy

Bank Central Asia Tbk leads: 4 to 6 metric wins.

Dash = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Bancorp 34of which business quality 35 · market factors 72 Bank Central Asia Tbkof which business quality 57 · market factors 42
ProfitabilityMargins and returns on capital today
15
45
Quality GrowthAre margins and returns improving?
53
46
CashflowEarnings quality: real cash, not paper profit
63
89
Fin. StrengthBalance sheet, leverage, solvency risk
41
19
InvestmentDisciplined investing over empire-building
33
75
Low VolatilityCalm price path (market factor)
95
79
MomentumPrice trend over the last 3–12 months (market factor)
55
28
52W MomentumDistance to the 52-week high (market factor)
74
26
Net IssuanceBuybacks instead of dilution
0
82

What the models say

The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.

Bancorp 34

Multiples$3.72
Asset-Based$8.50
Economic Profit$7.27

4 of 4 models see the stock below the current price.

Bank Central Asia Tbk

MultiplesIDR 4,647
Asset-BasedIDR 1,535
Economic ProfitIDR 4,267

4 of 4 models see the stock below the current price.

Scenario ranges

From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

Bancorp 34
Bear $2.05Fair Value $2.74Bull $3.42
$15.38 = current price (white tick)
Bank Central Asia Tbk
Bear IDR 4,565Fair Value IDR 6,087Bull IDR 7,609
IDR 6,375 = current price (white tick)

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Bancorp 34 · Financials

Quality score34 · bottom 25%
Fair value upside-82% · bottom 25%

Bank Central Asia Tbk · Financials

Quality score64 · Top 25%
Fair value upside-5% · below median

Bottom line

As of Aug 11, 2026, Fair Value Calculator sees Bank Central Asia Tbk as the less overvalued of the two: Bancorp 34 trades at $15.38 versus a fair value of $2.74 (-82%), while Bank Central Asia Tbk trades at IDR 6,375 versus IDR 6,087 (-5%).

Bank Central Asia Tbk has the higher quality score (64/100).

See the full analysis →
Bancorp 34 · Bank Central Asia Tbk

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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.