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Bank Jabar (BJBR) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of Bank Jabar IDR 1,520, price IDR 765, upside +98.7%, quality 56 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
  3. Add to watchlist

Financial Services · ID · ISIN ID1000115702

BJ Thin data Sep 23, 2026

Bank Jabar

BJBR · JK

Clearly undervaluedStrong Fair Value upside, but quality is only moderate.

✓Fair value 1,520 IDR · Strongly undervalued (+99%)
!Quality 56/100
!Mixed Growth (revenue 5y +7.8 %/yr)
✓Solidly profitable · 12.8% net margin (TTM)
✓Moderate debt · generates free cash flow
!Mixed vs. peers (8/15)
!Moderate moat 56/100
!Evidence only low, so the estimate is less certain
!Weak on future: 3 out of 100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

1,034 IDR 584.82 IDR Fair Value 1,520 IDR Apr 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

60‑month range 584.82 IDR – 1,034 IDR · fair‑value band 1,140 IDR – 1,900 IDR · the 765.00 IDR price screens below the 1,520 IDR fair value. Dashed = 300-day average. As of Sep 23, 2026.

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Company profile

PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk, together with its subsidiaries, provides banking products and services to individuals and businesses in Indonesia. It operates through two segments, Conventional and Sharia.

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PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk, together with its subsidiaries, provides banking products and services to individuals and businesses in Indonesia. It operates through two segments, Conventional and Sharia. The company offers savings and checking accounts; time, foreign currency, and online deposits; employee, home ownership, motor vehicle, ultra micro and micro, small and medium enterprise, and corporation and government credit products; drinking water and education fee bill payment services; tax payment services; foreign exchange, safe deposit box, weekend banking, money transfer, and customer care; and corporate internet banking, trade finance, treasury and custody, bank guarantee, bank financial support, and digital empowerment services. It also provides investment and insurance services, including retail bonds, mutual funds, and bancassurance; e-banking services; debit and credit cards; ATMs; quick response code Indonesian standard payment services; and self-service banking machines. The company was formerly known as PT Bank Pembangunan Daerah Jawa Barat and changed its name to PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk in November 2007. PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk was founded in 1961 and is headquartered in Bandung, Indonesia.

Stock analysis

Bank Jabar (BJBR) currently trades at 765.00 IDR, while our model-based Fair Value estimate is 1,520 IDR, implying the stock looks roughly 49.7% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of 1,424 IDR per share, and 4 of the 4 models we run sit above the 765.00 IDR price.

Bear case: the Asset-Based group reads lowest at 1,085 IDR, and 0 of the 4 models stay below the price. Evidence for this calculation is low.

Scenario range: 1,140 IDR (bear) to 1,900 IDR (bull), the price of 765.00 IDR sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 56/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Bank Jabar reported revenue of 19.7T IDR in FY2025 versus 14.2T IDR in FY2021, a compound +8.5%/yr. Reported net income was 1.2T IDR in FY2025, compounding −13.2%/yr from FY2021.

Key figures

Market cap 8.0T IDR (≈ $805M) · P/E ratio 6.4 · P/S ratio 0.37 · EPS (TTM) 110.69 IDR · Net margin 5.8% · Return on equity 7.8% · Return on assets (EBIT) 1.2% · Operating margin 29.2%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).

What moves the price

The share trades about 7% below its 52-week high and 13% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at 99%, BJBR screens cheaper than that median.

Fair Value models

Bear 1,140 IDR Fair Value 1,520 IDR Bull 1,900 IDR
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (80.96 IDR per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual Income 1,325 IDR 1,396 IDR 1,505 IDR 76
P/E Multiple 1,068 IDR 1,424 IDR 1,780 IDR 63
P/B Multiple 1,397 IDR 1,863 IDR 2,328 IDR 55
All 4 models by family
Multiples
P/E Multiple 1,068 IDR 1,424 IDR 1,780 IDR 63
P/B Multiple 1,397 IDR 1,863 IDR 2,328 IDR 55
Asset-Based
NCAV (Graham) 809.43 IDR 1,085 IDR 1,619 IDR 54
Economic Profit
Residual Income 1,325 IDR 1,396 IDR 1,505 IDR 76

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Quality Score breakdown

Overall quality 56/100

Of which business quality 56 · Market factors (momentum, volatility) 63

Profitability 19
Margins and returns on capital today
Quality Growth 43
Are margins and returns improving?
Cashflow 94
Earnings quality: real cash, not paper profit
Fin. Strength 34
Balance sheet, leverage, solvency risk
Investment 79
Disciplined investing over empire-building
Low Volatility 93
Calm price path (market factor)
Momentum 48
Price trend over the last 3–12 months (market factor)
52W Momentum 53
Distance to the 52-week high (market factor)
Net Issuance 82
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 73/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+13.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.8%
Start year 2020 (pandemic). Over 10 years: +6.8% a year
Revenue growth 22 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.2%
What shareholders gained per year (last 5 years), in IDR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: EBIT basis. Measured in IDR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
−3.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year−3.3%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−9% vs −1%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.16% → 10%
Start year 2020 (pandemic)

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1074 stocks

Beats the industry median on 8/15 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 59 · Top 25%
Fair Value upside +100% · Top 25%
Profitability
Return on equity (TTM) 8% · Below median
Return on assets 1% · Below median
Net margin (TTM) 13% · Bottom 25%
Operating margin (TTM) 29% · Below median
Growth and dividend
Revenue growth 1% · Below median
Dividend yield (TTM) 0.0% · Bottom 25%
Balance sheet
Debt / equity 1.35× · Highest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 6.4× · Cheapest 25%
P/B 0.47× · Cheapest 25%
P/S (TTM) 0.88× · Cheapest 25%
P/FCF 0.0× · Cheapest 25%
EV/EBITDA 3.4× · Cheapest 25%
PEG 0.42× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 12
FUTURE (revenue growth)3 · sector 45
PAST (return on equity)31 · sector 41
HEALTH (low debt)33 · sector 85
DIVIDEND (yield)0 · sector 53

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
DBS Group D05 77.80 SGD 40.48 SGD −48%
China Merchants Bank Co 3968 HK$51.65 HK$64.29 +24%
Intesa Sanpaolo S.p.A ISP €6.73 €4.04 −40%
HDFC Bank Limited HDFCBANK ₹738.60 ₹418.52 −43%
BNP Paribas SA BNP €101.30 €105.99 +5%
UniCredit S.p.A UCG €83.28 €77.62 −7%
Mizuho Financial Group MFG $10.87 $6.75 −38%
ICICI Bank Limited ICICIBANK ₹1,340 ₹636.31 −53%
The PNC Financial Services Group PNC $227.96 $159.52 −30%
Oversea-Chinese Banking Corporation O39 32.14 SGD 19.80 SGD −38%

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Bank Jabar · Fair Value
1,520 IDR +50%Fair Value
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Cite: Fair Value Calculator (2026). "Bank Jabar Fair Value". https://www.fairvalue-calculator.com/stock/BJBR

Frequently asked questions

Is Bank Jabar (BJBR) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of 1,520 IDR versus a price of 765.00 IDR, about +99% upside (undervalued).
What is the fair value of BJBR?
Our model-based fair value for Bank Jabar is 1,520 IDR (as of Sep 23, 2026), built from audited fundamentals. The current price: 765.00 IDR.
What is the quality score of BJBR?
Bank Jabar has a Quality Score of 56/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Bank Jabar (BJBR)?
Our model-based price target is the fair value of 1,520 IDR (as of Sep 23, 2026) from 4 valuation models. Cautious scenario 1,140 IDR, optimistic scenario 1,900 IDR. It is a calculation from audited fundamentals, not an analyst target.
What is the Bank Jabar stock forecast for 2026?
Our models put fair value at 1,520 IDR, about +99% upside versus a price of 765.00 IDR (undervalued). Cautious scenario 1,140 IDR, optimistic scenario 1,900 IDR. The calculation is refreshed regularly with new filings.
What is the revenue of Bank Jabar (BJBR)?
Bank Jabar reported trailing-twelve-month revenue of about 9.1T IDR (latest available figure, as of Sep 23, 2026).
What is the intrinsic value of Bank Jabar (BJBR)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bank Jabar it is 1,520 IDR per share (as of Sep 23, 2026), against a price of 765.00 IDR. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Bank Jabar stock overvalued or undervalued in 2026?
As of Sep 23, 2026, BJBR trades below its calculated fair value: price 765.00 IDR, fair value 1,520 IDR, a gap of about +99% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BJBR?
No. The price is what the market pays today (765.00 IDR); the fair value is what the company's own numbers justify (1,520 IDR). For Bank Jabar the two are 755.00 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is Bank Jabar worth?
The market values Bank Jabar at about 8.0T IDR (market capitalisation, as of Sep 23, 2026). Per share that is 765.00 IDR; our models calculate a fair value of 1,520 IDR per share.
What do the bullish and bearish scenarios say about BJBR?
Our models span a range for Bank Jabar: cautious scenario 1,140 IDR, base 1,520 IDR, optimistic 1,900 IDR per share (as of Sep 23, 2026, price 765.00 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BJBR?
Bank Jabar trades at a price-to-earnings ratio of 6.4 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 1,520 IDR is built from several models across several years. Other multiples: PEG 0.4, P/B 0.5, P/S 0.9, EV/EBITDA 3.4.
What is the PEG ratio of BJBR?
The PEG ratio of Bank Jabar is 0.42 (P/E divided by earnings growth, as of Sep 23, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Bank Jabar (BJBR)?
Balance-sheet figures for Bank Jabar (as of Sep 23, 2026): return on equity 7.8%, debt of 1.35 per unit of equity. They feed the Quality Score of 56/100, which measures business quality independently of the share price.
How far is BJBR from its 52-week high?
Bank Jabar trades at 765.00 IDR, about 7% below its 52-week high of 820.00 IDR and 13% above the low of 678.32 IDR (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 1,520 IDR is for.
Which stocks are comparable to Bank Jabar?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Bank Jabar stock attractive at the current price?
The data as of Sep 23, 2026: price 765.00 IDR, calculated fair value 1,520 IDR (+99%), Quality Score 56/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BJBR calculated?
We run Bank Jabar through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 1,520 IDR, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. Bank Jabar currently trades 99 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Bank Jabar (BJBR)?
The closing price on Sep 23, 2026 was 765.00 IDR. Our model-based fair value is 1,520 IDR, about +99% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bank Jabar right now?
The price is below even our cautious bear case (1,140 IDR). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (56/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Bank Jabar (BJBR) come from?
Earnings per share at Bank Jabar grew +1.0 % a year from 2014 to 2025. Broken into its drivers: revenue per share +5.5 %, EBIT margin −3.6 %, tax rate +0.1 %, residual (interest, one-offs) −0.8 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Bank Jabar

How large is the market capitalisation of Bank Jabar (BJBR)?
The market capitalisation of Bank Jabar is 8.0T IDR (≈ $805M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Bank Jabar (BJBR)?
The price-to-sales ratio of Bank Jabar is 0.37 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Bank Jabar (BJBR)?
Earnings per share at Bank Jabar are 110.69 IDR (price ÷ EPS = P/E 6.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Bank Jabar (BJBR)?
The net margin of Bank Jabar is 5.8% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Bank Jabar (BJBR)?
The return on equity (ROE) of Bank Jabar is 7.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Bank Jabar (BJBR)?
On an EBIT basis the return on assets of Bank Jabar is 1.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Bank Jabar (BJBR)?
The operating margin of Bank Jabar is 29.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bank Jabar (BJBR)?
Revenue at Bank Jabar is growing +0.5% versus a year earlier (3y avg +10.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Bank Jabar (BJBR)?
Earnings per share at Bank Jabar are growing +2.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Bank Jabar (BJBR) generate?
The free cash flow of Bank Jabar is 4.7T IDR (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Bank Jabar (BJBR) carry?
The net debt of Bank Jabar is 21.4T IDR (fiscal year 2025, ≈ 4.6 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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