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STOCK COMPARISON

Farmers And Merchants Bank of Long Beach vs Bank Central Asia Tbk: Fair Value & Quality

Both stocks run through our valuation models. Here is how Farmers And Merchants Bank of Long Beach (FMBL) 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: Farmers And Merchants Bank of Long Beach trades at $9,795 versus a fair value of $7,348 (-25%), while Bank Central Asia Tbk trades at IDR 6,375 versus IDR 6,087 (-5%).
Farmers And Merchants Bank of Long Beach
FMBL · USD · Financials
-25%
upside to fair value
overvalued
Price$9,795
Fair Value$7,348
Quality64/100
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).

Farmers And Merchants Bank of Long BeachBank Central Asia Tbk
Valuation
15.6×P/E (TTM)13.1×
3.47×P/S (TTM)6.99×
0.66×P/B2.70×
—EV/EBITDA9.0×
—PEG2.86×
1.0%Dividend yield5.4%
$84.00Dividend per shareIDR 336
Profitability
24%Net margin53%
38%Operating margin68%
5%Return on equity23%
1%Return on assets4%
Growth
15%Revenue growth (YoY)3%
-4.2%Avg. growth/yr (3Y)9.3%
0.5%Avg. growth/yr (5Y)10.2%
Balance & size
0.19×Debt / equity—
$1BMarket cap$76B
weakGrowth qualityhealthy

Bank Central Asia Tbk leads: 3 to 8 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.

Farmers And Merchants Bank of Long Beachof which business quality 60 · market factors 90 Bank Central Asia Tbkof which business quality 57 · market factors 43
ProfitabilityMargins and returns on capital today
30
45
Quality GrowthAre margins and returns improving?
40
46
CashflowEarnings quality: real cash, not paper profit
94
89
Fin. StrengthBalance sheet, leverage, solvency risk
40
19
InvestmentDisciplined investing over empire-building
84
75
Low VolatilityCalm price path (market factor)
100
79
MomentumPrice trend over the last 3–12 months (market factor)
77
30
52W MomentumDistance to the 52-week high (market factor)
100
27
Net IssuanceBuybacks instead of dilution
87
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.

Farmers And Merchants Bank of Long Beach

Dividend Discount$1,442
Multiples$8,478
Asset-Based$8,900
Economic Profit$9,059

6 of 6 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.

Farmers And Merchants Bank of Long Beach
Bear $5,511Fair Value $7,348Bull $9,185
$9,795 = 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.

Farmers And Merchants Bank of Long Beach · Financials

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

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: Farmers And Merchants Bank of Long Beach trades at $9,795 versus a fair value of $7,348 (-25%), 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 →
Farmers And Merchants Bank of Long Beach · 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.