PBNNF (PT Bank Negara Indonesia (Persero) Tbk) Altman Z2-Score

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

PBNNF PT Bank Negara Indonesia (Persero) Tbk PBNNF
56 GF Score
Price $0.24
GF Value $0.27
Valuation Modestly Undervalued
! 3 Warning Signs
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What is PT Bank Negara Indonesia (Persero) Tbk Altman Z2-Score?

Altman Z2-Score, also known as Z"-Score, is used to predict the likelihood that a non-manufacturing company (excluding property/financial company) will face bankruptcy within a two-year period.

Altman Z2-Score does not apply to banks and insurance companies.

PBNNF
56GF Score
PT Bank Negara Indonesia (Persero) Tbk PBNNF
Altman Z2-Score is just one metric. See GF Score™, valuation, warning signs, and more.
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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 $0.24 is trading 11.1% below its estimated GF Value™ of $0.27. GuruFocus considers PT Bank Negara Indonesia (Persero) Tbk to be Modestly Undervalued.

Key valuation signals for PBNNF:

  • Altman Z2-Score:
  • GF Value™: $0.27 vs. price of $0.24 (11.1% below fair value)
  • GF Score™: 56/100 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.
56GF Score

Get the complete analysis for PBNNF

Altman Z2-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$0.24
Price
$0.27
GF Value