PT Bank Panin Dubai Syariah Tbk (ISX:PNBS) Moat Score: 0/10 (As of Jul. 26, 2026)

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Vera Yuan
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:PNBS PT Bank Panin Dubai Syariah Tbk ISX:PNBS
67 GF Score
Price Rp51.00
GF Value Rp50.02
Valuation Fairly Valued
! 1 Warning Sign
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What is PT Bank Panin Dubai Syariah Tbk Moat Score?

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

PT Bank Panin Dubai Syariah 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 Panin Dubai Syariah Tbk might have No Moat - No discernible moat.

PT Bank Panin Dubai Syariah Tbk  (ISX:PNBS) 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 Panin Dubai Syariah Tbk Moat Score Related Terms

ISX:PNBS
67GF Score
PT Bank Panin Dubai Syariah Tbk ISX:PNBS
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is PT Bank Panin Dubai Syariah Tbk (ISX:PNBS) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Panin Dubai Syariah Tbk stock appears to be overvalued. The current stock price of Rp51.00 is trading 2% above its estimated GF Value™ of Rp50.02. GuruFocus considers PT Bank Panin Dubai Syariah Tbk to be Fairly Valued.

Key valuation signals for ISX:PNBS:

  • Moat Score: 0
  • GF Value™: Rp50.02 vs. price of Rp51.00 (2% above fair value)
  • GF Score™: 67/100 with 1 warning sign

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

PT Bank Panin Dubai Syariah Tbk Business Description

Other Exchanges 2PS:Germany
Address Jalan Letjend S. Parman Kav. 91, Panin Life Center Building, 3rd Floor, Slipi, Palmerah, West Jakarta, Jakarta, IDN, 11420
PT Bank Panin Dubai Syariah Tbk is an Indonesia-based Islamic commercial bank engaged in providing Sharia banking products and services. The bank offers financing products based on Murabahah, Mudharabah, Musyarakah, and Ijarah principles, along with savings accounts, current accounts, time deposits, treasury services, and digital banking solutions. Its operations serve retail, consumer, SME, and commercial banking customers in accordance with Islamic banking principles.
67GF Score

Get the complete analysis for ISX:PNBS

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

Rp51.00
Price
Rp50.02
GF Value