ISX:BEKS's ROA % is ranked worse than 73.2% of 1530
companies
in the Banks industry
Industry Median: 0.98
vs ISX:BEKS: 0.58
PT Bank Pembangunan Daerah Banten Tbk (ISX:BEKS) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
PT Bank Pembangunan Daerah Banten Tbk ROA % Related Terms
PT Bank Pembangunan Daerah Banten Tbk ROA % 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 Pembangunan Daerah Banten Tbk ROA % Competitor Comparison
For the Banks - Regional subindustry, PT Bank Pembangunan Daerah Banten Tbk's ROA %, along with its competitors' market caps and ROA % 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 Pembangunan Daerah Banten Tbk ROA % vs Banks Industry
* 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
PT Bank Pembangunan Daerah Banten Tbk (ISX:BEKS) has a ROA % of 0.17% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on PT Bank Pembangunan Daerah Banten Tbk and its competitors. According to the industry distribution chart, PT Bank Pembangunan Daerah Banten Tbk ranks #1120 out of 1530 companies in the Banks industry, placing it in the top 73.2%.
Is PT Bank Pembangunan Daerah Banten Tbk's ROA % too high?
PT Bank Pembangunan Daerah Banten Tbk's current ROA % is 0.17%. The Banks industry median ROA % is 0.98. PT Bank Pembangunan Daerah Banten Tbk's value of 0.17% is 82.7% below this industry median. Based on the distribution chart, PT Bank Pembangunan Daerah Banten Tbk ranks #1120 out of 1530 companies in the Banks industry, which is below the industry midpoint. Overall, PT Bank Pembangunan Daerah Banten Tbk has a GF Score™ of 53/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Pembangunan Daerah Banten Tbk's ROA % compare to competitors?
According to the Banks industry distribution chart, PT Bank Pembangunan Daerah Banten Tbk ranks #1120 out of 1530 companies for ROA %. This places PT Bank Pembangunan Daerah Banten Tbk in the lower half of its industry. The industry median ROA % is 0.98. PT Bank Pembangunan Daerah Banten Tbk's value of 0.17% is 82.7% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Bank Pembangunan Daerah Banten Tbk's current ROA % of 0.17% is 82.7% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on PT Bank Pembangunan Daerah Banten Tbk and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank Pembangunan Daerah Banten Tbk's current ROA % is 0.17%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Pembangunan Daerah Banten Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Pembangunan Daerah Banten Tbk (ISX:BEKS) is currently considered Significantly Undervalued. The stock's GF Value™ is Rp34.98, compared to a current price of Rp20.00 — trading 42.8% below its estimated fair value. The current ROA % is 0.17% and 82.7% below the Banks industry median of 0.98. PT Bank Pembangunan Daerah Banten Tbk's overall GF Score™ is 53/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For PT Bank Pembangunan Daerah Banten Tbk (ISX:BEKS), the current ROA % is 0.17% as of Mar. 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 Pembangunan Daerah Banten Tbk (ISX:BEKS) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Pembangunan Daerah Banten Tbk stock appears to be undervalued.
The current stock price of Rp20.00 is trading 42.8% below its estimated GF Value™ of Rp34.98.
GuruFocus considers PT Bank Pembangunan Daerah Banten Tbk to be Significantly Undervalued.
Key valuation signals for ISX:BEKS:
ROA %: 0.17%
GF Value™: Rp34.98 vs. price of Rp20.00 (42.8% below fair value)
Industry Position: 82.7% below the Banks median (#1120 of 1530)
No single metric tells the full story. See the ISX:BEKS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Pembangunan Daerah Banten Tbk Business Description
PT Bank Pembangunan Daerah Banten Tbk provides banking and financial services in Indonesia. It caters to both individual and business clients and offers demand, savings, and time deposits, consumer loans such as motor vehicle, mortgages, personal loans, working capital loans, bank guarantee services, ATM services, and insurance products, among others. The company's geographical segments are: DKI Jakarta and Outsite Jakarta. The majority of its revenue is derived from Outside Jakarta.
53GF Score
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