PT Bank Mestika Dharma Tbk (ISX:BBMD) E10: Rp96.92 (As of Mar. 2026)


ISX:BBMD PT Bank Mestika Dharma Tbk ISX:BBMD
47 GF Score
Price Rp1,905.00
GF Value Rp1,888.20
Valuation Fairly Valued
! 3 Warning Signs
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What is PT Bank Mestika Dharma Tbk E10?

PT Bank Mestika Dharma Tbk ISX:BBMD 47 E10 is Rp96.92 as of Mar. 2026. GuruFocus rates ISX:BBMD with a GF Score™ of 47/100 and a GF Value™ of Rp1,888.20 (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 P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

PT Bank Mestika Dharma Tbk's adjusted earnings per share data for the three months ended in Mar. 2026 was Rp14.380. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is Rp96.92 for the trailing ten years ended in Mar. 2026.

During the past 12 months, PT Bank Mestika Dharma Tbk's average E10 Growth Rate was 4.10% per year. During the past 3 years, the average E10 Growth Rate was 2.90% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of PT Bank Mestika Dharma Tbk was 2.90% per year. The lowest was 2.90% per year. And the median was 2.90% per year.

As of today (2026-07-05), PT Bank Mestika Dharma Tbk's current stock price is Rp1905.00. PT Bank Mestika Dharma Tbk's E10 for the quarter that ended in Mar. 2026 was Rp96.92. PT Bank Mestika Dharma Tbk's Shiller PE Ratio of today is 19.66.

During the past 13 years, the highest Shiller PE Ratio of PT Bank Mestika Dharma Tbk was 24.70. The lowest was 18.29. And the median was 21.91.


PT Bank Mestika Dharma Tbk  (ISX:BBMD) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

PT Bank Mestika Dharma Tbk's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=1905.00/96.92
=19.66

* 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 Shiller P/E Ratio of PT Bank Mestika Dharma Tbk was 24.70. The lowest was 18.29. And the median was 21.91.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


PT Bank Mestika Dharma Tbk E10 Related Terms


PT Bank Mestika Dharma Tbk E10 Historical Data

* Premium members only.

The historical data trend for PT Bank Mestika Dharma Tbk's E10 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 E10 Chart

PT Bank Mestika Dharma Tbk Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 88.06 89.82 93.21 96.05

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
E10 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 93.14 94.27 95.56 96.05 96.92

PT Bank Mestika Dharma Tbk E10 Competitor Comparison

For the Banks - Regional subindustry, PT Bank Mestika Dharma Tbk's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Banks Industry

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

* The bar in red indicates where PT Bank Mestika Dharma Tbk's Shiller PE Ratio falls into.


ISX:BBMD
47GF Score
PT Bank Mestika Dharma Tbk ISX:BBMD
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PT Bank Mestika Dharma Tbk E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=14.38/136.5387*136.5387
=14.380

Current CPI (Mar. 2026) = 136.5387.

PT Bank Mestika Dharma Tbk Quarterly Data

per share eps CPI Adj_EPS
201606 12.201 103.212 16.141
201609 -0.830 104.142 -1.088
201612 19.130 105.222 24.824
201703 13.720 106.476 17.594
201706 15.018 107.722 19.036
201709 23.710 108.020 29.970
201712 12.156 109.017 15.225
201803 12.500 110.097 15.502
201806 16.778 111.085 20.623
201809 22.500 111.135 27.643
201812 13.220 112.430 16.055
201903 19.770 112.829 23.925
201906 17.970 114.730 21.386
201909 13.937 114.905 16.561
201912 8.850 115.486 10.463
202003 15.380 116.252 18.064
202006 4.245 116.630 4.970
202009 33.400 116.397 39.180
202012 26.730 117.318 31.109
202103 24.030 117.840 27.843
202106 28.080 118.184 32.441
202109 34.425 118.262 39.745
202112 42.480 119.516 48.530
202203 29.940 120.948 33.799
202206 30.713 123.322 34.004
202209 36.330 125.298 39.589
202212 32.907 126.098 35.632
202303 25.260 126.953 27.167
202306 20.096 127.663 21.493
202309 28.370 128.151 30.227
202312 29.849 129.395 31.497
202403 21.440 130.607 22.414
202406 19.030 130.792 19.866
202409 36.118 130.361 37.830
202412 23.530 131.432 24.444
202503 15.670 131.948 16.215
202506 18.570 133.241 19.030
202509 27.286 133.819 27.841
202512 17.889 135.271 18.057
202603 14.380 136.539 14.380

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of Rp96.92 mean?
PT Bank Mestika Dharma Tbk (ISX:BBMD) has a E10 of Rp96.92 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings 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 E10 too high?
PT Bank Mestika Dharma Tbk's current E10 is Rp96.92. Overall, PT Bank Mestika Dharma Tbk has a GF Score™ of 47/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Mestika Dharma Tbk's E10 compare to competitors?
PT Bank Mestika Dharma Tbk's E10 of Rp96.92 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings 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 E10 is Rp96.92. 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 Rp1,888.20, compared to a current price of Rp1,905.00 — trading 0.9% above its estimated fair value. The current E10 is Rp96.92. PT Bank Mestika Dharma Tbk's overall GF Score™ is 47/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For PT Bank Mestika Dharma Tbk (ISX:BBMD), the current E10 is Rp96.92 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 Rp1,905.00 is trading 0.9% above its estimated GF Value™ of Rp1,888.20. GuruFocus considers PT Bank Mestika Dharma Tbk to be Fairly Valued.

Key valuation signals for ISX:BBMD:

  • E10: Rp96.92
  • GF Value™: Rp1,888.20 vs. price of Rp1,905.00 (0.9% above fair value)
  • GF Score™: 47/100 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.
47GF Score

Get the complete analysis for ISX:BBMD

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

Rp1,905.00
Price
Rp1,888.20
GF Value