PBNNF (PT Bank Negara Indonesia (Persero) Tbk) ROE % Adjusted to Book Value: 17.09% (As of Mar. 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 ROE % Adjusted to Book Value?

PT Bank Negara Indonesia (Persero) Tbk PBNNF 80 ROE % Adjusted to Book Value is 17.09% as of Mar. 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.

PT Bank Negara Indonesia (Persero) Tbk's ROE % for the quarter that ended in Mar. 2026 was 13.50%. PT Bank Negara Indonesia (Persero) Tbk's PB Ratio for the quarter that ended in Mar. 2026 was 0.79. PT Bank Negara Indonesia (Persero) Tbk's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 17.09%.


PT Bank Negara Indonesia (Persero) Tbk ROE % Adjusted to Book Value Related Terms


PT Bank Negara Indonesia (Persero) Tbk ROE % Adjusted to Book Value Historical Data

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The historical data trend for PT Bank Negara Indonesia (Persero) 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 Negara Indonesia (Persero) Tbk ROE % Adjusted to Book Value Chart

PT Bank Negara Indonesia (Persero) 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 10.19 9.73 10.88 16.33 16.12

PT Bank Negara Indonesia (Persero) 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 16.49 11.89 13.42 15.85 17.09

PT Bank Negara Indonesia (Persero) Tbk ROE % Adjusted to Book Value Competitor Comparison

For the Banks - Regional subindustry, PT Bank Negara Indonesia (Persero) 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 Negara Indonesia (Persero) Tbk ROE % Adjusted to Book Value vs Banks Industry

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

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


PBNNF
80GF Score
PT Bank Negara Indonesia (Persero) Tbk PBNNF
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Bank Negara Indonesia (Persero) Tbk ROE % Adjusted to Book Value Calculation

PT Bank Negara Indonesia (Persero) 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
=11.77% / 0.73
=16.12%

PT Bank Negara Indonesia (Persero) 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
=13.50% / 0.79
=17.09%

* 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 17.09% mean?
PT Bank Negara Indonesia (Persero) Tbk (PBNNF) has a ROE % Adjusted to Book Value of 17.09% 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 Negara Indonesia (Persero) Tbk and its competitors.
Is PT Bank Negara Indonesia (Persero) Tbk's ROE % Adjusted to Book Value too high?
PT Bank Negara Indonesia (Persero) Tbk's current ROE % Adjusted to Book Value is 17.09%. 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 ROE % Adjusted to Book Value compare to competitors?
PT Bank Negara Indonesia (Persero) Tbk's ROE % Adjusted to Book Value of 17.09% 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 Negara Indonesia (Persero) Tbk and its competitors. PT Bank Negara Indonesia (Persero) Tbk's current ROE % Adjusted to Book Value is 17.09%. 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 ROE % Adjusted to Book Value of 17.09%. 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 ROE % Adjusted to Book Value is 17.09%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For PT Bank Negara Indonesia (Persero) Tbk (PBNNF), the current ROE % Adjusted to Book Value is 17.09% 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 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:

  • ROE % Adjusted to Book Value: 17.09%
  • 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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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$0.20
Price
$0.31
GF Value