PT Bank Tabungan Negara (Persero) Tbk (STU:TA2) ROE % Adjusted to Book Value: 29.61% (As of Mar. 2026)


STU:TA2 PT Bank Tabungan Negara (Persero) Tbk STU:TA2
80 GF Score
Price €0.04
GF Value €0.06
! 3 Warning Signs
View Full Analysis

What is PT Bank Tabungan Negara (Persero) Tbk ROE % Adjusted to Book Value?

PT Bank Tabungan Negara (Persero) Tbk STU:TA2 80 ROE % Adjusted to Book Value is 29.61% as of Mar. 2026. GuruFocus rates STU:TA2 with a GF Score™ of 80/100 and a GF Value™ of €0.06. The stock has 3 warning signs investors should review.

PT Bank Tabungan Negara (Persero) Tbk's ROE % for the quarter that ended in Mar. 2026 was 12.14%. PT Bank Tabungan Negara (Persero) Tbk's PB Ratio for the quarter that ended in Mar. 2026 was 0.41. PT Bank Tabungan Negara (Persero) Tbk's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 29.61%.


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


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

* Premium members only.

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

PT Bank Tabungan Negara (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 14.79 29.65 28.58 26.58 30.45

PT Bank Tabungan Negara (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 44.25 28.06 18.51 43.42 29.61

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

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

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

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


STU:TA2
80GF Score
PT Bank Tabungan Negara (Persero) Tbk STU:TA2
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PT Bank Tabungan Negara (Persero) Tbk ROE % Adjusted to Book Value Calculation

PT Bank Tabungan Negara (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
=9.44% / 0.31
=30.45%

PT Bank Tabungan Negara (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
=12.14% / 0.41
=29.61%

* 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 29.61% mean?
PT Bank Tabungan Negara (Persero) Tbk (STU:TA2) has a ROE % Adjusted to Book Value of 29.61% 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 Tabungan Negara (Persero) Tbk and its competitors.
Is PT Bank Tabungan Negara (Persero) Tbk's ROE % Adjusted to Book Value too high?
PT Bank Tabungan Negara (Persero) Tbk's current ROE % Adjusted to Book Value is 29.61%. Overall, PT Bank Tabungan Negara (Persero) Tbk has a GF Score™ of 80/100, reflecting its overall financial health beyond just this single metric.
How does PT Bank Tabungan Negara (Persero) Tbk's ROE % Adjusted to Book Value compare to competitors?
PT Bank Tabungan Negara (Persero) Tbk's ROE % Adjusted to Book Value of 29.61% 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 Tabungan Negara (Persero) Tbk and its competitors. PT Bank Tabungan Negara (Persero) Tbk's current ROE % Adjusted to Book Value is 29.61%. 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 ROE % Adjusted to Book Value of 29.61%. The stock's GF Value™ is €0.06, compared to a current price of €0.04 — trading 35% below its estimated fair value. The current ROE % Adjusted to Book Value is 29.61%. PT Bank Tabungan Negara (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 Tabungan Negara (Persero) Tbk (STU:TA2), the current ROE % Adjusted to Book Value is 29.61% 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 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 €0.04 is trading 35% below its estimated GF Value™ of €0.06.

Key valuation signals for STU:TA2:

  • ROE % Adjusted to Book Value: 29.61%
  • GF Value™: €0.06 vs. price of €0.04 (35% below fair value)
  • GF Score™: 80/100 with 3 warning signs

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

Other Exchanges BBTN:Indonesia
Address Jalan Gajah Mada No. 1, Menara BTN, Jakarta, IDN, 10130
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.
80GF Score

Get the complete analysis for STU:TA2

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

€0.04
Price
€0.06
GF Value