PT Bank Pembangunan Daerah Jawa Barat Dan Banten Tbk (ISX:BJBR) Moat Score: 0/10 (As of Aug. 08, 2026)

Author: Vera Yuan Vera Yuan
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Vera Yuan
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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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

ISX:BJBR PT Bank Pembangunan Daerah Jawa Barat Dan Banten Tbk ISX:BJBR
64 GF Score
Price Rp790.00
GF Value Rp1,116.20
Valuation Modestly Undervalued
! 1 Warning Sign
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What is PT Bank Pembangunan Daerah Jawa Barat Dan Banten Tbk Moat Score?

PT Bank Pembangunan Daerah Jawa Barat Dan Banten Tbk has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

PT Bank Pembangunan Daerah Jawa Barat Dan Banten 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 Pembangunan Daerah Jawa Barat Dan Banten Tbk might have No Moat - No discernible moat.

PT Bank Pembangunan Daerah Jawa Barat Dan Banten Tbk  (ISX:BJBR) 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 Pembangunan Daerah Jawa Barat Dan Banten Tbk Moat Score Related Terms

ISX:BJBR
64GF Score
PT Bank Pembangunan Daerah Jawa Barat Dan Banten Tbk ISX:BJBR
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is PT Bank Pembangunan Daerah Jawa Barat Dan Banten Tbk (ISX:BJBR) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Pembangunan Daerah Jawa Barat Dan Banten Tbk stock appears to be undervalued. The current stock price of Rp790.00 is trading 29.2% below its estimated GF Value™ of Rp1,116.20. GuruFocus considers PT Bank Pembangunan Daerah Jawa Barat Dan Banten Tbk to be Modestly Undervalued.

Key valuation signals for ISX:BJBR:

  • Moat Score: 0
  • GF Value™: Rp1,116.20 vs. price of Rp790.00 (29.2% below fair value)
  • GF Score™: 64/100 with 1 warning sign

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

PT Bank Pembangunan Daerah Jawa Barat Dan Banten Tbk Business Description

Address Jalan Naripan Number 12-14, Menara Bank Bjb, Bandung, IDN, 40111
PT Bank Pembangunan Daerah Jawa Barat Dan Banten Tbk is a provider of consumer and commercial banking services in Indonesia. The bank derives all revenue domestically through a network of branches, offices, and payment points. The bank operates under two segments: Conventional and Sharia. Services offered within these segments include deposits, current accounts, savings accounts, time deposits, syndicated loans, working capital loans, supply chain financing, credit cards, and mutual funds. In addition, international banking services are provided, such as foreign exchange trading, hedging instruments, treasury services, and Western Union.
64GF Score

Get the complete analysis for ISX:BJBR

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

Rp790.00
Price
Rp1,116.20
GF Value