PT Bank JTrust Indonesia Tbk (ISX:BCIC) Moat Score: 0/10 (As of Jul. 05, 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 Moat Score?

PT Bank JTrust Indonesia Tbk has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

PT Bank JTrust Indonesia Tbk has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes PT Bank JTrust Indonesia Tbk might have No Moat - No discernible moat.

PT Bank JTrust Indonesia Tbk  (ISX:BCIC) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

PT Bank JTrust Indonesia Tbk Moat Score Related Terms

ISX:BCIC
44GF Score
PT Bank JTrust Indonesia Tbk ISX:BCIC
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Moat Score: 0
  • 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

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

Rp121.00
Price
Rp111.22
GF Value