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STOCK COMPARISON

Simmons First National vs Bank Central Asia Tbk: Fair Value & Quality

Both stocks run through our valuation models. Here is how Simmons First National (SFNC) 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: Simmons First National trades at $23.46 versus a fair value of $6.84 (-71%), while Bank Central Asia Tbk trades at IDR 6,375 versus IDR 6,087 (-5%).
Simmons First National
SFNC · USD · Financials
-71%
upside to fair value
overvalued
Price$23.46
Fair Value$6.84
Quality40/100
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).

Simmons First NationalBank Central Asia Tbk
Valuation
P/E (TTM)13.1×
40.75×P/S (TTM)6.99×
0.97×P/B2.70×
EV/EBITDA9.0×
3.83×PEG2.86×
3.8%Dividend yield5.4%
$0.85Dividend per shareIDR 336
Profitability
0%Net margin53%
39%Operating margin68%
-10%Return on equity23%
-1%Return on assets4%
Growth
24%Revenue growth (YoY)3%
-15.0%Avg. growth/yr (3Y)9.3%
-8.6%Avg. growth/yr (5Y)10.2%
Balance & size
0.18×Debt / equity
$3BMarket cap$76B
weakGrowth qualityhealthy

Bank Central Asia Tbk leads: 2 to 9 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.

Simmons First Nationalof which business quality 39 · market factors 69 Bank Central Asia Tbkof which business quality 57 · market factors 43
ProfitabilityMargins and returns on capital today
3
45
Quality GrowthAre margins and returns improving?
13
46
CashflowEarnings quality: real cash, not paper profit
98
89
Fin. StrengthBalance sheet, leverage, solvency risk
5
19
InvestmentDisciplined investing over empire-building
90
75
Low VolatilityCalm price path (market factor)
71
79
MomentumPrice trend over the last 3–12 months (market factor)
60
30
52W MomentumDistance to the 52-week high (market factor)
83
27
Net IssuanceBuybacks instead of dilution
38
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.

Simmons First National

DCF Models$25.65
Multiples$6.99
Asset-Based$15.79
Growth DCF$47.31

3 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.

Simmons First National
Bear $4.25Fair Value $6.84Bull $9.44
$23.46 = 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.

Simmons First National · Financials

Quality score40 · bottom 25%
Fair value upside-71% · 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: Simmons First National trades at $23.46 versus a fair value of $6.84 (-71%), 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 →

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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.