PT Bank Bumi Arta Tbk (ISX:BNBA) Moat Score: 0/10 (As of Jul. 18, 2026)

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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
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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:BNBA PT Bank Bumi Arta Tbk ISX:BNBA
58 GF Score
Price Rp755.00
GF Value Rp647.48
Valuation Modestly Overvalued
! 1 Warning Sign
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What is PT Bank Bumi Arta Tbk Moat Score?

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

PT Bank Bumi Arta 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 Bumi Arta Tbk might have No Moat - No discernible moat.

PT Bank Bumi Arta Tbk  (ISX:BNBA) 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 Bumi Arta Tbk Moat Score Related Terms

ISX:BNBA
58GF Score
PT Bank Bumi Arta Tbk ISX:BNBA
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is PT Bank Bumi Arta Tbk (ISX:BNBA) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Bumi Arta Tbk stock appears to be overvalued. The current stock price of Rp755.00 is trading 16.6% above its estimated GF Value™ of Rp647.48. GuruFocus considers PT Bank Bumi Arta Tbk to be Modestly Overvalued.

Key valuation signals for ISX:BNBA:

  • Moat Score: 0
  • GF Value™: Rp647.48 vs. price of Rp755.00 (16.6% above fair value)
  • GF Score™: 58/100 with 1 warning sign

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

PT Bank Bumi Arta Tbk Business Description

Address Jalan K.H. Wahid Hasyim, No. 234-236, Gedung Bank Bumi Arta, Jakarta Pusat, Jakarta, IDN, 10250
PT Bank Bumi Arta Tbk operates as a commercial bank in Indonesia. The bank provides a broad set of retail and commercial banking services, including savings and deposits, working-capital and investment loans, housing and vehicle financing, bank guarantees, payment services, and digital banking channels such as internet and mobile banking. The bank also offers services including ATM (automated teller machine) and debit card facilities, phone banking and internet banking. The geographic segments of Bank Bumi Arta are divided into 2 (two) main regions, namely DKI Jakarta and regions outside DKI Jakarta. The majority of revenue is derived from the DKI Jakarta segment.
58GF Score

Get the complete analysis for ISX:BNBA

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

Rp755.00
Price
Rp647.48
GF Value