PT Bank JTrust Indonesia Tbk (ISX:BCIC) Cyclically Adjusted Book per Share: Rp193.48 (As of Mar. 2026)


ISX:BCIC PT Bank JTrust Indonesia Tbk ISX:BCIC
44 GF Score
Price Rp121.00
GF Value Rp111.22
Valuation Fairly Valued
! 2 Warning Signs
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What is PT Bank JTrust Indonesia Tbk Cyclically Adjusted Book per Share?

PT Bank JTrust Indonesia Tbk ISX:BCIC +2.54% 44 Cyclically Adjusted Book per Share is Rp193.48 as of Mar. 2026. GuruFocus rates ISX:BCIC with a GF Score™ of 44/100 and a GF Value™ of Rp111.22 (Fairly Valued). The stock has 2 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 JTrust Indonesia Tbk's adjusted book value per share for the three months ended in Mar. 2026 was Rp192.140. 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 Rp193.48 for the trailing ten years ended in Mar. 2026.

During the past 12 months, PT Bank JTrust Indonesia Tbk's average Cyclically Adjusted Book Growth Rate was 4.80% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 1.60% 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 JTrust Indonesia Tbk was 1.60% per year. The lowest was 1.30% per year. And the median was 1.45% per year.

As of today (2026-07-05), PT Bank JTrust Indonesia Tbk's current stock price is Rp121.00. PT Bank JTrust Indonesia Tbk's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was Rp193.48. PT Bank JTrust Indonesia Tbk's Cyclically Adjusted PB Ratio of today is 0.63.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of PT Bank JTrust Indonesia Tbk was 4.71. The lowest was 0.47. And the median was 0.83.


PT Bank JTrust Indonesia Tbk  (ISX:BCIC) 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 JTrust Indonesia Tbk's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=121.00/193.48
=0.63

* 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 JTrust Indonesia Tbk was 4.71. The lowest was 0.47. And the median was 0.83.


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 JTrust Indonesia Tbk Cyclically Adjusted Book per Share Related Terms


PT Bank JTrust Indonesia Tbk Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for PT Bank JTrust Indonesia 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 JTrust Indonesia Tbk Cyclically Adjusted Book per Share Chart

PT Bank JTrust Indonesia 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 175.63 181.43 185.60 182.64 190.54

PT Bank JTrust Indonesia 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 184.63 186.72 188.67 190.54 193.48

PT Bank JTrust Indonesia Tbk Cyclically Adjusted Book per Share Competitor Comparison

For the Banks - Regional subindustry, PT Bank JTrust Indonesia 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 JTrust Indonesia Tbk Cyclically Adjusted PB Ratio vs Banks Industry

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

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


ISX:BCIC
44GF Score
PT Bank JTrust Indonesia Tbk ISX:BCIC
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PT Bank JTrust Indonesia 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 JTrust Indonesia 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)
=192.14/136.5387*136.5387
=192.140

Current CPI (Mar. 2026) = 136.5387.

PT Bank JTrust Indonesia Tbk Quarterly Data

Book Value per Share CPI Adj_Book
201603 108.303 102.764 143.898
201606 108.322 103.212 143.298
201609 110.277 104.142 144.582
201612 150.160 105.222 194.852
201703 140.487 106.476 180.153
201709 148.804 108.020 188.090
201712 151.049 109.017 189.182
201803 147.312 110.097 182.692
201806 0.000 111.085 0.000
201809 0.000 111.135 0.000
201812 131.331 112.430 159.493
201903 120.586 112.829 145.926
201906 132.703 114.730 157.928
201909 163.455 114.905 194.230
201912 167.180 115.486 197.657
202003 182.079 116.252 213.852
202006 159.101 116.630 186.260
202009 151.701 116.397 177.952
202012 144.148 117.318 167.764
202103 145.301 117.840 168.357
202106 140.089 118.184 161.846
202109 143.269 118.262 165.411
202112 188.072 119.516 214.859
202203 187.156 120.948 211.281
202206 187.080 123.322 207.129
202209 182.546 125.298 198.922
202212 205.764 126.098 222.801
202303 210.351 126.953 226.235
202306 212.685 127.663 227.472
202309 210.619 128.151 224.404
202312 207.606 129.395 219.068
202403 210.199 130.607 219.745
202406 209.809 130.792 219.028
202409 218.103 130.361 228.439
202412 209.507 131.432 217.648
202503 214.810 131.948 222.283
202506 218.450 133.241 223.857
202509 217.969 133.819 222.399
202512 189.445 135.271 191.220
202603 192.140 136.539 192.140

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 Rp193.48 mean?
PT Bank JTrust Indonesia Tbk (ISX:BCIC) has a Cyclically Adjusted Book per Share of Rp193.48 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 JTrust Indonesia Tbk and its competitors.
Is PT Bank JTrust Indonesia Tbk's Cyclically Adjusted Book per Share too high?
PT Bank JTrust Indonesia Tbk's current Cyclically Adjusted Book per Share is Rp193.48. Overall, PT Bank JTrust Indonesia Tbk has a GF Score™ of 44/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PT Bank JTrust Indonesia Tbk's Cyclically Adjusted Book per Share compare to competitors?
PT Bank JTrust Indonesia Tbk's Cyclically Adjusted Book per Share of Rp193.48 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 JTrust Indonesia Tbk and its competitors. PT Bank JTrust Indonesia Tbk's current Cyclically Adjusted Book per Share is Rp193.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank JTrust Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank JTrust Indonesia Tbk (ISX:BCIC) is currently considered Fairly Valued. The stock's GF Value™ is Rp111.22, compared to a current price of Rp121.00 — trading 8.8% above its estimated fair value. The current Cyclically Adjusted Book per Share is Rp193.48. PT Bank JTrust Indonesia Tbk's overall GF Score™ is 44/100 with 2 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 JTrust Indonesia Tbk (ISX:BCIC), the current Cyclically Adjusted Book per Share is Rp193.48 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 JTrust Indonesia Tbk (ISX:BCIC) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank JTrust Indonesia Tbk stock appears to be overvalued. The current stock price of Rp121.00 is trading 8.8% above its estimated GF Value™ of Rp111.22. GuruFocus considers PT Bank JTrust Indonesia Tbk to be Fairly Valued.

Key valuation signals for ISX:BCIC:

  • Cyclically Adjusted Book per Share: Rp193.48
  • GF Value™: Rp111.22 vs. price of Rp121.00 (8.8% above fair value)
  • GF Score™: 44/100 with 2 warning signs

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


PT Bank JTrust Indonesia Tbk Business Description

Address Jalan Jenderal Sudirman No. 86, Sahid Sudirman Center, 33rd Floor, Jakarta, IDN, 10220
PT Bank JTrust Indonesia Tbk is an Indonesia-based financial institution. It is engaged in providing financial services. The company's business activities include Corporate Banking, Commercial & SME services, Business Linkage & Consumer operations, a dedicated Japan/Korean Desk, and Funding activities. The company's business divisions are Retail funding, Loan and export/import and Treasury. Its products and services include public deposit taking in the form of demand deposits, and time deposits, providing credit/loans, either for the long term, medium-term, or short-term loan, fund transfer, and foreign exchange activities in accordance with regulations from Bank Indonesia. The company derives maximum revenue from the Loan and export/import segment.
44GF Score

Get the complete analysis for ISX:BCIC

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

Rp121.00
Price
Rp111.22
GF Value