PT Bank Mestika Dharma Tbk (ISX:BBMD) Cyclically Adjusted Book per Share: Rp1,109.54 (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Founder & CEO of GuruFocus
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ISX:BBMD PT Bank Mestika Dharma Tbk ISX:BBMD
48 GF Score
Price Rp1,975.00
GF Value Rp1,885.21
Valuation Fairly Valued
! 3 Warning Signs
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What is PT Bank Mestika Dharma Tbk Cyclically Adjusted Book per Share?

PT Bank Mestika Dharma Tbk ISX:BBMD +1.02% 48 Cyclically Adjusted Book per Share is Rp1,109.54 as of Mar. 2026. GuruFocus rates ISX:BBMD with a GF Score™ of 48/100 and a GF Value™ of Rp1,885.21 (Fairly Valued). The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

PT Bank Mestika Dharma Tbk's adjusted book value per share for the three months ended in Mar. 2026 was Rp1,331.463. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is Rp1,109.54 for the trailing ten years ended in Mar. 2026.

During the past 12 months, PT Bank Mestika Dharma Tbk's average Cyclically Adjusted Book Growth Rate was 9.50% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 8.20% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of PT Bank Mestika Dharma Tbk was 8.20% per year. The lowest was 8.20% per year. And the median was 8.20% per year.

As of today (2026-07-19), PT Bank Mestika Dharma Tbk's current stock price is Rp1975.00. PT Bank Mestika Dharma Tbk's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was Rp1,109.54. PT Bank Mestika Dharma Tbk's Cyclically Adjusted PB Ratio of today is 1.78.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of PT Bank Mestika Dharma Tbk was 2.52. The lowest was 1.71. And the median was 2.07.


PT Bank Mestika Dharma Tbk  (ISX:BBMD) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

PT Bank Mestika Dharma Tbk's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=1975.00/1109.54
=1.78

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of PT Bank Mestika Dharma Tbk was 2.52. The lowest was 1.71. And the median was 2.07.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


PT Bank Mestika Dharma Tbk Cyclically Adjusted Book per Share Related Terms


PT Bank Mestika Dharma Tbk Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for PT Bank Mestika Dharma Tbk's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

PT Bank Mestika Dharma Tbk Cyclically Adjusted Book per Share Chart

PT Bank Mestika Dharma Tbk Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 857.38 924.52 995.33 1,087.49

PT Bank Mestika Dharma Tbk Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1,013.48 1,039.10 1,060.10 1,087.49 1,109.54

PT Bank Mestika Dharma Tbk Cyclically Adjusted Book per Share Competitor Comparison

For the Banks - Regional subindustry, PT Bank Mestika Dharma Tbk's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


PT Bank Mestika Dharma Tbk Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, PT Bank Mestika Dharma Tbk's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where PT Bank Mestika Dharma Tbk's Cyclically Adjusted PB Ratio falls into.


ISX:BBMD
48GF Score
PT Bank Mestika Dharma Tbk ISX:BBMD
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Bank Mestika Dharma Tbk Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, PT Bank Mestika Dharma Tbk's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=1331.463/136.5387*136.5387
=1,331.463

Current CPI (Mar. 2026) = 136.5387.

PT Bank Mestika Dharma Tbk Quarterly Data

Book Value per Share CPI Adj_Book
201606 655.027 103.212 866.530
201609 668.031 104.142 875.840
201612 655.676 105.222 850.822
201703 694.892 106.476 891.090
201706 698.484 107.722 885.339
201709 736.341 108.020 930.741
201712 753.685 109.017 943.956
201803 756.769 110.097 938.524
201806 719.742 111.085 884.664
201809 732.568 111.135 900.025
201812 755.001 112.430 916.899
201903 793.997 112.829 960.850
201906 819.717 114.730 975.533
201909 837.656 114.905 995.369
201912 851.026 115.486 1,006.166
202003 0.000 116.252 0.000
202006 826.285 116.630 967.333
202009 847.710 116.397 994.404
202012 995.606 117.318 1,158.719
202103 959.496 117.840 1,111.749
202106 1,009.470 118.184 1,166.248
202109 1,031.853 118.262 1,191.323
202112 971.206 119.516 1,109.534
202203 1,072.757 120.948 1,211.038
202206 1,033.639 123.322 1,144.413
202209 1,058.769 125.298 1,153.749
202212 1,130.425 126.098 1,224.025
202303 1,168.806 126.953 1,257.063
202306 1,216.907 127.663 1,301.513
202309 1,182.287 128.151 1,259.666
202312 1,217.673 129.395 1,284.902
202403 1,232.859 130.607 1,288.851
202406 1,203.665 130.792 1,256.555
202409 1,256.177 130.361 1,315.707
202412 1,263.536 131.432 1,312.635
202503 1,289.424 131.948 1,334.281
202506 1,321.726 133.241 1,354.443
202509 1,327.543 133.819 1,354.524
202512 1,352.844 135.271 1,365.521
202603 1,331.463 136.539 1,331.463

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of Rp1,109.54 mean?
PT Bank Mestika Dharma Tbk (ISX:BBMD) has a Cyclically Adjusted Book per Share of Rp1,109.54 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on PT Bank Mestika Dharma Tbk and its competitors.
Is PT Bank Mestika Dharma Tbk's Cyclically Adjusted Book per Share too high?
PT Bank Mestika Dharma Tbk's current Cyclically Adjusted Book per Share is Rp1,109.54. Overall, PT Bank Mestika Dharma Tbk has a GF Score™ of 48/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Mestika Dharma Tbk's Cyclically Adjusted Book per Share compare to competitors?
PT Bank Mestika Dharma Tbk's Cyclically Adjusted Book per Share of Rp1,109.54 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on PT Bank Mestika Dharma Tbk and its competitors. PT Bank Mestika Dharma Tbk's current Cyclically Adjusted Book per Share is Rp1,109.54. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Mestika Dharma Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Mestika Dharma Tbk (ISX:BBMD) is currently considered Fairly Valued. The stock's GF Value™ is Rp1,885.21, compared to a current price of Rp1,975.00 — trading 4.8% above its estimated fair value. The current Cyclically Adjusted Book per Share is Rp1,109.54. PT Bank Mestika Dharma Tbk's overall GF Score™ is 48/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For PT Bank Mestika Dharma Tbk (ISX:BBMD), the current Cyclically Adjusted Book per Share is Rp1,109.54 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is PT Bank Mestika Dharma Tbk (ISX:BBMD) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Mestika Dharma Tbk stock appears to be overvalued. The current stock price of Rp1,975.00 is trading 4.8% above its estimated GF Value™ of Rp1,885.21. GuruFocus considers PT Bank Mestika Dharma Tbk to be Fairly Valued.

Key valuation signals for ISX:BBMD:

  • Cyclically Adjusted Book per Share: Rp1,109.54
  • GF Value™: Rp1,885.21 vs. price of Rp1,975.00 (4.8% above fair value)
  • GF Score™: 48/100 with 3 warning signs

No single metric tells the full story. See the ISX:BBMD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


PT Bank Mestika Dharma Tbk Business Description

Address Jalan H. Zainul Arifin No. 118, Mestika Building, Sumatera Utara, Medan, IDN, 20112
PT Bank Mestika Dharma Tbk is a company that specializes in providing a wide range of banking services, including current accounts, savings products, time deposits, and consumer loans. Additionally, it offers convenient digital banking solutions such as internet banking, SMS banking, and e-channel facilities, along with traditional services like safe deposit boxes, money changers, and telegraphic transfers. The company's geographic segments include Sumatra, encompassing areas like Medan, Pematang Siantar, and Palembang etc., as well as areas outside Sumatra, such as Jakarta, Semarang, and Surabaya.
48GF Score

Get the complete analysis for ISX:BBMD

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

Rp1,975.00
Price
Rp1,885.21
GF Value