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STOCK COMPARISON

Citizens National vs Bank Central Asia Tbk: Fair Value & Quality

Both stocks run through our valuation models. Here is how Citizens National (CZNL) and Bank Central Asia Tbk (BBCA) compare, as of Aug 4, 2026.

As of Aug 4, 2026, Fair Value Calculator sees Bank Central Asia Tbk as the less overvalued of the two: Citizens National trades at $89.83 versus a fair value of $75.96 (-15%), while Bank Central Asia Tbk trades at IDR 6,325 versus IDR 6,087 (-4%).
Citizens National
CZNL · USD · Financials
-15%
upside to fair value
overvalued
Price$89.83
Fair Value$75.96
Quality66/100
Bank Central Asia Tbk
BBCA.JK · IDR · Financials
-4%
upside to fair value
fairly valued
PriceIDR 6,325
Fair ValueIDR 6,087
Quality58/100

Head-to-head numbers

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

Citizens NationalBank Central Asia Tbk
Valuation
15.1×P/E (TTM)13.1×
3.51×P/S (TTM)6.99×
1.07×P/B2.70×
13.9×EV/EBITDA9.0×
—PEG2.86×
1.1%Dividend yield5.4%
$1.00Dividend per shareIDR 336
Profitability
23%Net margin53%
29%Operating margin68%
8%Return on equity23%
1%Return on assets4%
Growth
0%Revenue growth (YoY)3%
7.5%Avg. growth/yr (3Y)9.3%
4.3%Avg. growth/yr (5Y)10.2%
Balance & size
0.41×Debt / equity—
$86MMarket cap$76B
mixedGrowth qualityhealthy

Bank Central Asia Tbk leads: 2 to 10 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.

Citizens Nationalof which business quality 50 · market factors 85 Bank Central Asia Tbkof which business quality 57 · market factors 41
ProfitabilityMargins and returns on capital today
28
45
Quality GrowthAre margins and returns improving?
56
46
CashflowEarnings quality: real cash, not paper profit
67
89
Fin. StrengthBalance sheet, leverage, solvency risk
6
19
InvestmentDisciplined investing over empire-building
82
75
Low VolatilityCalm price path (market factor)
50
79
MomentumPrice trend over the last 3–12 months (market factor)
100
24
52W MomentumDistance to the 52-week high (market factor)
100
25
Net IssuanceBuybacks instead of dilution
89
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.

Citizens National

DCF Models$49.72
Earnings-Based$51.70
Multiples$92.54
Asset-Based$55.46
Growth DCF$42.75
Economic Profit$43.21
Growth Earnings$90.51

18 of 22 models see the stock below the current price.

Bank Central Asia Tbk

DCF ModelsIDR 11,901
Earnings-BasedIDR 5,663
MultiplesIDR 7,755
Asset-BasedIDR 1,535
Growth DCFIDR 10,556
Economic ProfitIDR 5,973
Growth EarningsIDR 8,213

9 of 24 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.

Citizens National
Bear $56.97Fair Value $75.96Bull $94.95
$89.83 = current price (white tick)
Bank Central Asia Tbk
Bear IDR 4,565Fair Value IDR 6,087Bull IDR 7,609
IDR 6,325 = 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.

Citizens National · Financials

Quality score66 · Top 25%
Fair value upside-15% · below median

Bank Central Asia Tbk · Financials

Quality score58 · above median
Fair value upside-4% · below median

Bottom line

As of Aug 4, 2026, Fair Value Calculator sees Bank Central Asia Tbk as the less overvalued of the two: Citizens National trades at $89.83 versus a fair value of $75.96 (-15%), while Bank Central Asia Tbk trades at IDR 6,325 versus IDR 6,087 (-4%).

Citizens National has the higher quality score (66/100).

See the full analysis →
Citizens National · 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.