PBNNF's PB Ratio is ranked better than 75.58% of 1519
companies
in the Banks industry
Industry Median: 1.09
vs PBNNF: 0.77
During the past 12 months, PT Bank Negara Indonesia (Persero) Tbk's average Book Value Per Share Growth Rate was -4.10% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 8.10% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 9.30% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 7.80% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of PT Bank Negara Indonesia (Persero) Tbk was 28.30% per year. The lowest was 3.50% per year. And the median was 11.30% per year.
Back to Basics: PB Ratio
PT Bank Negara Indonesia (Persero) Tbk (OTCPK:PBNNF) 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 Negara Indonesia (Persero) Tbk PB Ratio Related Terms
PT Bank Negara Indonesia (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 Negara Indonesia (Persero) Tbk PB Ratio Chart
PT Bank Negara Indonesia (Persero) Tbk Annual Data
PT Bank Negara Indonesia (Persero) Tbk PB Ratio Competitor Comparison
For the Banks - Regional subindustry, PT Bank Negara Indonesia (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 Negara Indonesia (Persero) Tbk PB Ratio vs Banks Industry
PT Bank Negara Indonesia (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 Negara Indonesia (Persero) Tbk (PBNNF) has a PB Ratio of 0.79 as of Jun. 29, 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 Negara Indonesia (Persero) Tbk and its competitors. This is 35% below median its historical median of 1.22. Over the past decade, PT Bank Negara Indonesia (Persero) Tbk's PB Ratio has ranged from 0.55 to 1.94. According to the industry distribution chart, PT Bank Negara Indonesia (Persero) Tbk ranks #371 out of 1519 companies in the Banks industry, placing it in the top 24.4%.
Is PT Bank Negara Indonesia (Persero) Tbk's PB Ratio too high?
PT Bank Negara Indonesia (Persero) Tbk's current PB Ratio of 0.79 is 35% below median its 10-year median of 1.22. Over the past 10 years, this metric has ranged from a low of 0.55 to a high of 1.94. The Banks industry median PB Ratio is 1.09. PT Bank Negara Indonesia (Persero) Tbk's value of 0.79 is 27.5% below this industry median. Based on the distribution chart, PT Bank Negara Indonesia (Persero) Tbk ranks #371 out of 1519 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 PB Ratio compare to competitors?
According to the Banks industry distribution chart, PT Bank Negara Indonesia (Persero) Tbk ranks #371 out of 1519 companies for PB Ratio. This places PT Bank Negara Indonesia (Persero) Tbk in the top 24% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.09. PT Bank Negara Indonesia (Persero) Tbk's value of 0.79 is 27.5% below this benchmark. Historically, PT Bank Negara Indonesia (Persero) Tbk's own PB Ratio has ranged from 0.55 to 1.94 over the past decade. While the company's 10-year median is 1.22 vs. the industry median of 1.09, PT Bank Negara Indonesia (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 1.09, based on 1,519 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 Negara Indonesia (Persero) Tbk's current PB Ratio of 0.79 is 27.5% 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 Negara Indonesia (Persero) Tbk and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank Negara Indonesia (Persero) Tbk's current PB Ratio is 0.79, which is 35% below median its own 10-year median of 1.22. 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 PB Ratio of 0.79. 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 PB Ratio is 0.79, which is 35% below median its 10-year median of 1.22 and 27.5% below the Banks industry median of 1.09. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For PT Bank Negara Indonesia (Persero) Tbk (PBNNF), the current PB Ratio is 0.79 as of Jun. 29, 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:
PB Ratio: 0.79 (35% below median its 10-year median of 1.22)
GF Value™: $0.31 vs. price of $0.20 (34.7% below fair value)
Industry Position: 27.5% below the Banks median (#371 of 1519)
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
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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