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STOCK COMPARISON

M&T Bank vs Bank Central Asia Tbk: Fair Value & Quality

Both stocks run through our valuation models. Here is how M&T Bank (MTB) and Bank Central Asia Tbk (BBCA) compare, as of Aug 14, 2026.

As of Aug 14, 2026, Fair Value Calculator sees M&T Bank as the less overvalued of the two: M&T Bank trades at $253 versus a fair value of $225 (-11%), while Bank Central Asia Tbk trades at IDR 6,350 versus IDR 4,637 (-27%).
M&T Bank
MTB · USD · Financials
-11%
upside to fair value
overvalued
Price$253
Fair Value$225
Quality66/100
Bank Central Asia Tbk
BBCA.JK · IDR · Financials
-27%
upside to fair value
overvalued
PriceIDR 6,350
Fair ValueIDR 4,637
Quality64/100

Head-to-head numbers

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

M&T BankBank Central Asia Tbk
Valuation
13.6×P/E (TTM)13.1×
3.81×P/S (TTM)6.99×
1.22×P/B2.70×
7.0×EV/EBITDA9.0×
1.56×PEG2.86×
2.5%Dividend yield5.4%
$5.85Dividend per shareIDR 336
Profitability
31%Net margin53%
39%Operating margin68%
10%Return on equity23%
1%Return on assets4%
Growth
6%Revenue growth (YoY)3%
13.4%Avg. growth/yr (3Y)9.3%
14.4%Avg. growth/yr (5Y)10.2%
Balance & size
0.37×Debt / equity—
$35BMarket cap$76B
mixedGrowth qualityhealthy

M&T Bank leads: 7 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.

M&T Bankof which business quality 60 · market factors 79 Bank Central Asia Tbkof which business quality 57 · market factors 43
ProfitabilityMargins and returns on capital today
34
45
Quality GrowthAre margins and returns improving?
57
46
CashflowEarnings quality: real cash, not paper profit
79
89
Fin. StrengthBalance sheet, leverage, solvency risk
29
19
InvestmentDisciplined investing over empire-building
89
75
Low VolatilityCalm price path (market factor)
90
79
MomentumPrice trend over the last 3–12 months (market factor)
67
29
52W MomentumDistance to the 52-week high (market factor)
87
26
Net IssuanceBuybacks instead of dilution
99
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.

M&T Bank

Dividend Discount$126
Multiples$266
Asset-Based$133
Economic Profit$193

5 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.

M&T Bank
Bear $169Fair Value $225Bull $282
$253 = current price (white tick)
Bank Central Asia Tbk
Bear IDR 3,478Fair Value IDR 4,637Bull IDR 5,796
IDR 6,350 = 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.

M&T Bank · Financials

Quality score66 · Top 25%
Fair value upside-11% · below median

Bank Central Asia Tbk · Financials

Quality score64 · Top 25%
Fair value upside-27% · below median

Bottom line

As of Aug 14, 2026, Fair Value Calculator sees M&T Bank as the less overvalued of the two: M&T Bank trades at $253 versus a fair value of $225 (-11%), while Bank Central Asia Tbk trades at IDR 6,350 versus IDR 4,637 (-27%).

M&T Bank has the higher quality score (66/100).

See the full analysis →
M&T Bank · 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.