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STOCK COMPARISON

Carter Bank and Trust vs Bank Central Asia Tbk: Fair Value & Quality

Both stocks run through our valuation models. Here is how Carter Bank and Trust (CARE) and Bank Central Asia Tbk (BBCA) compare, as of Aug 10, 2026.

As of Aug 10, 2026, Fair Value Calculator sees Bank Central Asia Tbk as the less overvalued of the two: Carter Bank and Trust trades at $33.00 versus a fair value of $18.35 (-44%), while Bank Central Asia Tbk trades at IDR 6,375 versus IDR 6,087 (-5%).
Carter Bank and Trust
CARE · USD · Financials
-44%
upside to fair value
overvalued
Price$33.00
Fair Value$18.35
Quality58/100
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).

Carter Bank and TrustBank Central Asia Tbk
Valuation
6.4×P/E (TTM)13.1×
2.66×P/S (TTM)6.99×
1.64×P/B2.70×
15.9×EV/EBITDA9.0×
—PEG2.86×
—Dividend yield5.4%
—Dividend per shareIDR 336
Profitability
42%Net margin53%
79%Operating margin68%
24%Return on equity23%
2%Return on assets4%
Growth
260%Revenue growth (YoY)3%
12.4%Avg. growth/yr (3Y)9.3%
9.2%Avg. growth/yr (5Y)10.2%
Balance & size
0.43×Debt / equity—
$688MMarket cap$76B
healthyGrowth qualityhealthy

Carter Bank and Trust leads: 7 to 4 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.

Carter Bank and Trustof which business quality 49 · market factors 93 Bank Central Asia Tbkof which business quality 57 · market factors 42
ProfitabilityMargins and returns on capital today
24
45
Quality GrowthAre margins and returns improving?
62
46
CashflowEarnings quality: real cash, not paper profit
61
89
Fin. StrengthBalance sheet, leverage, solvency risk
7
19
InvestmentDisciplined investing over empire-building
76
75
Low VolatilityCalm price path (market factor)
85
79
MomentumPrice trend over the last 3–12 months (market factor)
95
28
52W MomentumDistance to the 52-week high (market factor)
100
26
Net IssuanceBuybacks instead of dilution
100
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.

Carter Bank and Trust

Multiples$21.17
Asset-Based$12.65
Economic Profit$15.10

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.

Carter Bank and Trust
Bear $13.76Fair Value $18.35Bull $22.93
$33.00 = 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.

Carter Bank and Trust · Financials

Quality score58 · above median
Fair value upside-44% · bottom 25%

Bank Central Asia Tbk · Financials

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

Bottom line

As of Aug 10, 2026, Fair Value Calculator sees Bank Central Asia Tbk as the less overvalued of the two: Carter Bank and Trust trades at $33.00 versus a fair value of $18.35 (-44%), 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 →
Carter Bank and Trust · 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.