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PT Bank Panin Dubai Syariah Tbk (PNBS) Fair Value & Analysis

Financial Services · ID · Market cap 1.9T IDR

Price50.00 IDR
Fair Value6.70 IDR
Upside-86.6%
Quality95/100
Evidence: High Range 5.03 IDR – 8.38 IDR

Fair value as of: Jun 26, 2026

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Analysis

PT Bank Panin Dubai Syariah Tbk (PNBS) currently trades at 50.00 IDR, while our model-based Fair Value estimate is 6.70 IDR — implying the stock looks roughly 86.6% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

PT Bank Panin Dubai Syariah Tbk operates as a sharia commercial bank for retail, commercial, and corporate customers in Indonesia. The company accepts demand, time, current, savings, certificate of deposits, and other forms of deposits. It also provides working capital, investment, and consumer finance; and multi-services, as well as transfer, and ATM services. It operates through a network of branch offices. The company was formerly known as PT Bank Panin Syariah Tbk and changed its name to PT Bank Panin Dubai Syariah Tbk in July 2016. PT Bank Panin Dubai Syariah Tbk was founded in 1972 and is headquartered in Jakarta, Indonesia. PT Bank Panin Dubai Syariah Tbk is a subsidiary of PT Bank Pan Indonesia Tbk.

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Frequently asked questions

Is PT Bank Panin Dubai Syariah Tbk (PNBS) undervalued?
As of Jun 26, 2026, our model estimates a fair value of 6.70 IDR versus a price of 50.00 IDR — about −87% (overvalued). Model-based estimate, not financial advice.
What is the fair value of PNBS?
Our 21-model fair value for PT Bank Panin Dubai Syariah Tbk is 6.70 IDR (as of Jun 26, 2026), built from audited fundamentals. The current price is 50.00 IDR.
What is the quality score of PNBS?
PT Bank Panin Dubai Syariah Tbk has a Quality Score of 95/100, 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.