PT Bank JTrust Indonesia Tbk (ISX:BCIC) ROE % Adjusted to Book Value: 4.32% (As of Mar. 2026)


ISX:BCIC PT Bank JTrust Indonesia Tbk ISX:BCIC
44 GF Score
Price Rp117.00
GF Value Rp111.33
Valuation Fairly Valued
! 2 Warning Signs
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What is PT Bank JTrust Indonesia Tbk ROE % Adjusted to Book Value?

PT Bank JTrust Indonesia Tbk ISX:BCIC +5.41% 44 ROE % Adjusted to Book Value is 4.32% as of Mar. 2026. GuruFocus rates ISX:BCIC with a GF Score™ of 44/100 and a GF Value™ of Rp111.33 (Fairly Valued). The stock has 2 warning signs investors should review.

PT Bank JTrust Indonesia Tbk's ROE % for the quarter that ended in Mar. 2026 was 2.94%. PT Bank JTrust Indonesia Tbk's PB Ratio for the quarter that ended in Mar. 2026 was 0.68. PT Bank JTrust Indonesia Tbk's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 4.32%.


PT Bank JTrust Indonesia Tbk ROE % Adjusted to Book Value Related Terms


PT Bank JTrust Indonesia Tbk ROE % Adjusted to Book Value Historical Data

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The historical data trend for PT Bank JTrust Indonesia Tbk's ROE % Adjusted to Book Value can be seen below:

* 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 JTrust Indonesia Tbk ROE % Adjusted to Book Value Chart

PT Bank JTrust Indonesia Tbk Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only -19.74 3.19 1.29 0.08 -14.29

PT Bank JTrust Indonesia Tbk Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 11.57 3.27 -6.37 -64.29 4.32

PT Bank JTrust Indonesia Tbk ROE % Adjusted to Book Value Competitor Comparison

For the Banks - Regional subindustry, PT Bank JTrust Indonesia Tbk's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 JTrust Indonesia Tbk ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, PT Bank JTrust Indonesia Tbk's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where PT Bank JTrust Indonesia Tbk's ROE % Adjusted to Book Value falls into.


ISX:BCIC
44GF Score
PT Bank JTrust Indonesia Tbk ISX:BCIC
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Bank JTrust Indonesia Tbk ROE % Adjusted to Book Value Calculation

PT Bank JTrust Indonesia Tbk's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=-11.86% / 0.83
=-14.29%

PT Bank JTrust Indonesia Tbk's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=2.94% / 0.68
=4.32%

* 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.

What does a ROE % Adjusted to Book Value of 4.32% mean?
PT Bank JTrust Indonesia Tbk (ISX:BCIC) has a ROE % Adjusted to Book Value of 4.32% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on PT Bank JTrust Indonesia Tbk and its competitors.
Is PT Bank JTrust Indonesia Tbk's ROE % Adjusted to Book Value too high?
PT Bank JTrust Indonesia Tbk's current ROE % Adjusted to Book Value is 4.32%. Overall, PT Bank JTrust Indonesia Tbk has a GF Score™ of 44/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PT Bank JTrust Indonesia Tbk's ROE % Adjusted to Book Value compare to competitors?
PT Bank JTrust Indonesia Tbk's ROE % Adjusted to Book Value of 4.32% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on PT Bank JTrust Indonesia Tbk and its competitors. PT Bank JTrust Indonesia Tbk's current ROE % Adjusted to Book Value is 4.32%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank JTrust Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank JTrust Indonesia Tbk (ISX:BCIC) is currently considered Fairly Valued. The stock's GF Value™ is Rp111.33, compared to a current price of Rp117.00 — trading 5.1% above its estimated fair value. The current ROE % Adjusted to Book Value is 4.32%. PT Bank JTrust Indonesia Tbk's overall GF Score™ is 44/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For PT Bank JTrust Indonesia Tbk (ISX:BCIC), the current ROE % Adjusted to Book Value is 4.32% 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 JTrust Indonesia Tbk (ISX:BCIC) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank JTrust Indonesia Tbk stock appears to be overvalued. The current stock price of Rp117.00 is trading 5.1% above its estimated GF Value™ of Rp111.33. GuruFocus considers PT Bank JTrust Indonesia Tbk to be Fairly Valued.

Key valuation signals for ISX:BCIC:

  • ROE % Adjusted to Book Value: 4.32%
  • GF Value™: Rp111.33 vs. price of Rp117.00 (5.1% above fair value)
  • GF Score™: 44/100 with 2 warning signs

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


PT Bank JTrust Indonesia Tbk Business Description

Address Jalan Jenderal Sudirman No. 86, Sahid Sudirman Center, 33rd Floor, Jakarta, IDN, 10220
PT Bank JTrust Indonesia Tbk is an Indonesia-based financial institution. It is engaged in providing financial services. The company's business activities include Corporate Banking, Commercial & SME services, Business Linkage & Consumer operations, a dedicated Japan/Korean Desk, and Funding activities. The company's business divisions are Retail funding, Loan and export/import and Treasury. Its products and services include public deposit taking in the form of demand deposits, and time deposits, providing credit/loans, either for the long term, medium-term, or short-term loan, fund transfer, and foreign exchange activities in accordance with regulations from Bank Indonesia. The company derives maximum revenue from the Loan and export/import segment.
44GF Score

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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

Rp117.00
Price
Rp111.33
GF Value