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PT Bank Pembangunan Daerah Jawa Timur Tbk (BJTM) Fair Value & Analysis

Financial Services · ID · Market cap 7.4T IDR

Price515.00 IDR
Fair Value1,030 IDR
Upside+100.0%
Quality87/100
Evidence: Medium Range 772.50 IDR – 1,288 IDR

Fair value as of: Jun 25, 2026

Analysis

PT Bank Pembangunan Daerah Jawa Timur Tbk (BJTM) currently trades at 515.00 IDR, while our model-based Fair Value estimate is 1,030 IDR — implying the stock looks roughly 100.0% undervalued today. We read business quality at 87/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: medium) — always confirm before acting.

About the company

PT Bank Pembangunan Daerah Jawa Timur Tbk provides various banking products and services in Indonesia. The company offers savings and current accounts, and deposits; personal loans, such as property and property consumption, multiguna, motor vehicle loans, and gold guarantee and cash collateral credit; productive loans; property construction loan, bank guarantee, checking account, investment loan, syndicated loans, financing receivables loan, local government loan, bureau of public service area loan, local government and bailout credit, and bank guarantee fore; and common foreign exchange, hedging forward contract, banknotes, deposit on call, and list of underlying documents. It also provides ATM, internet banking, mobile banking, SMS banking, virtual account, and electronic government staff card services; trade finance and remittance transactions that include letter of credit, documentary collection, bill purchasing and shipping guarantee remittance; safe deposit box; BPD net onlin…

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Frequently asked questions

Is PT Bank Pembangunan Daerah Jawa Timur Tbk (BJTM) undervalued?
As of Jun 25, 2026, our model estimates a fair value of 1,030 IDR versus a price of 515.00 IDR — about +100% (undervalued). Model-based estimate, not financial advice.
What is the fair value of BJTM?
Our 21-model fair value for PT Bank Pembangunan Daerah Jawa Timur Tbk is 1,030 IDR (as of Jun 25, 2026), built from audited fundamentals. The current price is 515.00 IDR.
What is the quality score of BJTM?
PT Bank Pembangunan Daerah Jawa Timur Tbk has a Quality Score of 87/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.