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STU:TA2's PB Ratio is ranked better than 90.84% of 1517
companies
in the Banks industry
Industry Median: 1.12
vs STU:TA2: 0.44
During the past 12 months, PT Bank Tabungan Negara (Persero) Tbk's average Book Value Per Share Growth Rate was 9.60% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 1.80% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 8.30% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 5.90% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of PT Bank Tabungan Negara (Persero) Tbk was 45.20% per year. The lowest was -3.50% per year. And the median was 14.45% per year.
Back to Basics: PB Ratio
PT Bank Tabungan Negara (Persero) Tbk (STU:TA2) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
PT Bank Tabungan Negara (Persero) Tbk PB Ratio Related Terms
PT Bank Tabungan Negara (Persero) Tbk PB Ratio Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
PT Bank Tabungan Negara (Persero) Tbk PB Ratio Chart
PT Bank Tabungan Negara (Persero) Tbk PB Ratio Competitor Comparison
For the Banks - Regional subindustry, PT Bank Tabungan Negara (Persero) Tbk's PB Ratio, along with its competitors' market caps and PB Ratio 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 Tabungan Negara (Persero) Tbk PB Ratio vs Banks Industry
PT Bank Tabungan Negara (Persero) Tbk PB Ratio Calculation
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
PT Bank Tabungan Negara (Persero) Tbk (STU:TA2) has a PB Ratio of 0.34 as of Jul. 17, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on PT Bank Tabungan Negara (Persero) Tbk and its competitors. This is 58% below median its historical median of 0.81. Over the past decade, PT Bank Tabungan Negara (Persero) Tbk's PB Ratio has ranged from 0.33 to 1.86. According to the industry distribution chart, PT Bank Tabungan Negara (Persero) Tbk ranks #139 out of 1517 companies in the Banks industry, placing it in the top 9.2%.
Is PT Bank Tabungan Negara (Persero) Tbk's PB Ratio too high?
PT Bank Tabungan Negara (Persero) Tbk's current PB Ratio of 0.34 is 58% below median its 10-year median of 0.81. Over the past 10 years, this metric has ranged from a low of 0.33 to a high of 1.86. The Banks industry median PB Ratio is 1.12. PT Bank Tabungan Negara (Persero) Tbk's value of 0.34 is 69.6% below this industry median. Based on the distribution chart, PT Bank Tabungan Negara (Persero) Tbk ranks #139 out of 1517 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, PT Bank Tabungan Negara (Persero) Tbk has a GF Score™ of 82/100, reflecting its overall financial health beyond just this single metric.
How does PT Bank Tabungan Negara (Persero) Tbk's PB Ratio compare to competitors?
According to the Banks industry distribution chart, PT Bank Tabungan Negara (Persero) Tbk ranks #139 out of 1517 companies for PB Ratio. This places PT Bank Tabungan Negara (Persero) Tbk in the top 9% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.12. PT Bank Tabungan Negara (Persero) Tbk's value of 0.34 is 69.6% below this benchmark. Historically, PT Bank Tabungan Negara (Persero) Tbk's own PB Ratio has ranged from 0.33 to 1.86 over the past decade. While the company's 10-year median is 0.81 vs. the industry median of 1.12, PT Bank Tabungan Negara (Persero) Tbk has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.12, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Bank Tabungan Negara (Persero) Tbk's current PB Ratio of 0.34 is 69.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on PT Bank Tabungan Negara (Persero) Tbk and its competitors. For the Banks industry, the median PB Ratio is 1.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank Tabungan Negara (Persero) Tbk's current PB Ratio is 0.34, which is 58% below median its own 10-year median of 0.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Tabungan Negara (Persero) Tbk stock overvalued right now?
PT Bank Tabungan Negara (Persero) Tbk (STU:TA2) has a current PB Ratio of 0.34. The stock's GF Value™ is €0.06, compared to a current price of €0.05 — trading 25% below its estimated fair value. The current PB Ratio is 0.34, which is 58% below median its 10-year median of 0.81 and 69.6% below the Banks industry median of 1.12. PT Bank Tabungan Negara (Persero) Tbk's overall GF Score™ is 82/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For PT Bank Tabungan Negara (Persero) Tbk (STU:TA2), the current PB Ratio is 0.34 as of Jul. 17, 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 Tabungan Negara (Persero) Tbk (STU:TA2) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Tabungan Negara (Persero) Tbk stock appears to be undervalued.
The current stock price of €0.05 is trading 25% below its estimated GF Value™ of €0.06.
Key valuation signals for STU:TA2:
PB Ratio: 0.34 (58% below median its 10-year median of 0.81)
GF Value™: €0.06 vs. price of €0.05 (25% below fair value)
Industry Position: 69.6% below the Banks median (#139 of 1517)
No single metric tells the full story. See the STU:TA2 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Tabungan Negara (Persero) Tbk Business Description
PT Bank Tabungan Negara (Persero) Tbk conducts business in the banking sector. Its activities include Collecting funds from the public in the form of savings, current accounts, time deposits, certificates of deposit, distributing funds in the form of credit or financing, issuing and/or carrying out securities transactions. Its products and services are divided into two segments, namely conventional and sharia. Conventional banking consist of Consumer products and Commercial products; and Sharia consist of Sharia Products. Its services include consumer loan products, consumer savings products, and wealth management products.
82GF Score
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