PBNNF (PT Bank Negara Indonesia (Persero) Tbk) Moat Score: 6/10 (As of Jul. 01, 2026)


PBNNF PT Bank Negara Indonesia (Persero) Tbk PBNNF
80 GF Score
Price $0.20
GF Value $0.31
! 3 Warning Signs
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What is PT Bank Negara Indonesia (Persero) Tbk Moat Score?

PT Bank Negara Indonesia (Persero) Tbk PBNNF 80 Moat Score is 6 as of Jul. 01, 2026. GuruFocus rates PBNNF with a GF Score™ of 80/100 and a GF Value™ of $0.31. The stock has 3 warning signs investors should review. Among 1,613 Banks companies, PT Bank Negara Indonesia (Persero) Tbk ranks better than 97.83% on this metric.

PT Bank Negara Indonesia (Persero) Tbk has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

PT Bank Negara Indonesia (Persero) Tbk has Narrow Moat: PT Bank Negara Indonesia has a strong narrow moat with a leading position in Indonesia, customer loyalty, and regulatory barriers. Its extensive network and brand strength are notable, but it lacks global reach for a wide moat.

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 Negara Indonesia (Persero) Tbk might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

PT Bank Negara Indonesia (Persero) Tbk  (OTCPK:PBNNF) 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 Negara Indonesia (Persero) Tbk Moat Score Related Terms

PT Bank Negara Indonesia (Persero) Tbk Moat Score Competitor Comparison

For the Banks - Regional subindustry, PT Bank Negara Indonesia (Persero) Tbk's Moat Score, along with its competitors' market caps and Moat Score 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 Negara Indonesia (Persero) Tbk Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, PT Bank Negara Indonesia (Persero) Tbk's Moat Score distribution charts can be found below:

* The bar in red indicates where PT Bank Negara Indonesia (Persero) Tbk's Moat Score falls into.


PBNNF
80GF Score
PT Bank Negara Indonesia (Persero) Tbk PBNNF
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
PT Bank Negara Indonesia (Persero) Tbk (PBNNF) has a Moat Score of 6 as of Jul. 01, 2026. 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. According to the industry distribution chart, PT Bank Negara Indonesia (Persero) Tbk ranks #35 out of 1613 companies in the Banks industry, placing it in the top 2.2%.
Is PT Bank Negara Indonesia (Persero) Tbk's Moat Score too high?
PT Bank Negara Indonesia (Persero) Tbk's current Moat Score is 6. Based on the distribution chart, PT Bank Negara Indonesia (Persero) Tbk ranks #35 out of 1613 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, PT Bank Negara Indonesia (Persero) Tbk has a GF Score™ of 80/100, reflecting its overall financial health beyond just this single metric.
How does PT Bank Negara Indonesia (Persero) Tbk's Moat Score compare to competitors?
According to the Banks industry distribution chart, PT Bank Negara Indonesia (Persero) Tbk ranks #35 out of 1613 companies for Moat Score. This places PT Bank Negara Indonesia (Persero) Tbk in the top 2% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. 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. PT Bank Negara Indonesia (Persero) Tbk's current Moat Score is 6. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Negara Indonesia (Persero) Tbk stock overvalued right now?
PT Bank Negara Indonesia (Persero) Tbk (PBNNF) has a current Moat Score of 6. The stock's GF Value™ is $0.31, compared to a current price of $0.20 — trading 34.7% below its estimated fair value. The current Moat Score is 6. PT Bank Negara Indonesia (Persero) Tbk's overall GF Score™ is 80/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For PT Bank Negara Indonesia (Persero) Tbk (PBNNF), the current Moat Score is 6 as of Jul. 01, 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 Negara Indonesia (Persero) Tbk (PBNNF) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Negara Indonesia (Persero) Tbk stock appears to be undervalued. The current stock price of $0.20 is trading 34.7% below its estimated GF Value™ of $0.31.

Key valuation signals for PBNNF:

  • Moat Score: 6
  • GF Value™: $0.31 vs. price of $0.20 (34.7% below fair value)
  • GF Score™: 80/100 with 3 warning signs

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

PT Bank Negara Indonesia (Persero) Tbk Business Description

Address Jalan Jenderal Sudirman Kavling 1, Gedung Grha BNI, Jakarta Pusat, Jakarta, IDN, 10220
PT Bank Negara Indonesia (Persero) Tbk is an Indonesian state-owned bank, with the government holding just over half of the bank's outstanding shares. Its main banking activities include deposit-taking, providing credit, issuing debt instruments, money transfer services, secondary market services, wholesale banking, custody banking, capital investment, and other services. Its segments include Wholesale & International Banking, Institutional Banking, Enterprises & Commercial Banking, Retail Banking and Treasury. The company generates the majority of its revenue from the Wholesale & International Banking segment which includes loans, customer deposits, and other transactions belonging to corporate customers, both BUMN and private business entities.
80GF Score

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

$0.20
Price
$0.31
GF Value