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STOCK COMPARISON

Southern BancShares N.C. vs Bank Central Asia Tbk: Fair Value & Quality

Both stocks run through our valuation models. Here is how Southern BancShares N.C. (SBNC) 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: Southern BancShares N.C. trades at $13,250 versus a fair value of $11,795 (-11%), while Bank Central Asia Tbk trades at IDR 6,375 versus IDR 6,087 (-5%).
Southern BancShares N.C.
SBNC · USD · Financials
-11%
upside to fair value
overvalued
Price$13,250
Fair Value$11,795
Quality52/100
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).

Southern BancShares N.C.Bank Central Asia Tbk
Valuation
13.3×P/E (TTM)13.1×
4.64×P/S (TTM)6.99×
1.26×P/B2.70×
7.1×EV/EBITDA9.0×
—PEG2.86×
0.2%Dividend yield5.4%
$25.00Dividend per shareIDR 336
Profitability
35%Net margin53%
80%Operating margin68%
10%Return on equity23%
1%Return on assets4%
Growth
26%Revenue growth (YoY)3%
24.5%Avg. growth/yr (3Y)9.3%
10.3%Avg. growth/yr (5Y)10.2%
Balance & size
0.03×Debt / equity—
$911MMarket cap$76B
mixedGrowth qualityhealthy

Southern BancShares N.C. leads: 7 to 5 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.

Southern BancShares N.C.of which business quality 49 · market factors 90 Bank Central Asia Tbkof which business quality 57 · market factors 43
ProfitabilityMargins and returns on capital today
35
45
Quality GrowthAre margins and returns improving?
15
46
CashflowEarnings quality: real cash, not paper profit
82
89
Fin. StrengthBalance sheet, leverage, solvency risk
17
19
InvestmentDisciplined investing over empire-building
57
75
Low VolatilityCalm price path (market factor)
88
79
MomentumPrice trend over the last 3–12 months (market factor)
86
30
52W MomentumDistance to the 52-week high (market factor)
100
27
Net IssuanceBuybacks instead of dilution
95
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.

Southern BancShares N.C.

Dividend Discount$381
Multiples$12,641
Asset-Based$6,455
Economic Profit$8,321

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.

Southern BancShares N.C.
Bear $8,846Fair Value $11,795Bull $14,743
$13,250 = 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.

Southern BancShares N.C. · Financials

Quality score52 · below median
Fair value upside-11% · 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: Southern BancShares N.C. trades at $13,250 versus a fair value of $11,795 (-11%), 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 →
Southern BancShares N.C. · 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.