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STOCK COMPARISON

UMB Financial vs Bank Central Asia Tbk: Fair Value & Quality

Both stocks run through our valuation models. Here is how UMB Financial (UMBF) and Bank Central Asia Tbk (BBCA) compare, as of Aug 8, 2026.

As of Aug 8, 2026, Fair Value Calculator sees Bank Central Asia Tbk as the less overvalued of the two: UMB Financial trades at $145 versus a fair value of $102 (-30%), while Bank Central Asia Tbk trades at IDR 6,350 versus IDR 6,087 (-4%).
UMB Financial
UMBF · USD · Financials
-30%
upside to fair value
overvalued
Price$145
Fair Value$102
Quality58/100
Bank Central Asia Tbk
BBCA.JK · IDR · Financials
-4%
upside to fair value
fairly valued
PriceIDR 6,350
Fair ValueIDR 6,087
Quality59/100

Head-to-head numbers

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

UMB FinancialBank Central Asia Tbk
Valuation
12.6×P/E (TTM)13.1×
3.97×P/S (TTM)6.99×
1.41×P/B2.70×
9.6×EV/EBITDA9.0×
2.54×PEG2.86×
1.2%Dividend yield5.4%
$1.66Dividend per shareIDR 336
Profitability
32%Net margin53%
51%Operating margin68%
12%Return on equity23%
1%Return on assets4%
Growth
49%Revenue growth (YoY)3%
41.1%Avg. growth/yr (3Y)9.3%
28.0%Avg. growth/yr (5Y)10.2%
Balance & size
0.03×Debt / equity—
$11BMarket cap$76B
healthyGrowth qualityhealthy

UMB Financial 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.

UMB Financialof which business quality 40 · market factors 73 Bank Central Asia Tbkof which business quality 57 · market factors 43
ProfitabilityMargins and returns on capital today
28
45
Quality GrowthAre margins and returns improving?
66
46
CashflowEarnings quality: real cash, not paper profit
84
89
Fin. StrengthBalance sheet, leverage, solvency risk
4
19
InvestmentDisciplined investing over empire-building
67
75
Low VolatilityCalm price path (market factor)
76
79
MomentumPrice trend over the last 3–12 months (market factor)
65
29
52W MomentumDistance to the 52-week high (market factor)
85
26
Net IssuanceBuybacks instead of dilution
0
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.

UMB Financial

DCF Models$237
Earnings-Based$106
Multiples$171
Asset-Based$67.84
Growth DCF$244
Economic Profit$112
Growth Earnings$160

6 of 24 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.

UMB Financial
Bear $76.62Fair Value $102Bull $128
$145 = current price (white tick)
Bank Central Asia Tbk
Bear IDR 4,565Fair Value IDR 6,087Bull IDR 7,609
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.

UMB Financial · Financials

Quality score58 · above median
Fair value upside-30% · below median

Bank Central Asia Tbk · Financials

Quality score59 · above median
Fair value upside-4% · below median

Bottom line

As of Aug 8, 2026, Fair Value Calculator sees Bank Central Asia Tbk as the less overvalued of the two: UMB Financial trades at $145 versus a fair value of $102 (-30%), while Bank Central Asia Tbk trades at IDR 6,350 versus IDR 6,087 (-4%).

Bank Central Asia Tbk has the higher quality score (59/100).

See the full analysis →
UMB Financial · 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.