Bank Pan Indonesia Tbk PT (PNBN.JK) Stock Price
Bank Pan Indonesia Tbk PT Price
Over the last 19 years Bank Pan Indonesia Tbk PT grew revenue by 6.3% annually, reaching 14.77 T IDR. Earnings per share have grown at 5.7% per year over the last 19 years. For Bank Pan Indonesia Tbk PT, the net margin of 18.6% is up versus 12.3% a few years ago. At today's price the dividend yield works out to roughly 2.21%. The payout ratio is around 16% of earnings. The consensus 12-month price target for Bank Pan Indonesia Tbk PT is 1,428.00 IDR, about 57.8% above where the stock trades today. Of 9 analysts, 0 rate the stock a buy — an overall Sell consensus. The stock trades about 9% above its 52-week low.
Bank Pan Indonesia Tbk PT stock price
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Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of Bank Pan Indonesia Tbk PT over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Bank Pan Indonesia Tbk PT stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Bank Pan Indonesia Tbk PT's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
| Date | Bank Pan Indonesia Tbk PT Price |
|---|---|
| 9/14/2026 | 905.00 IDR |
| 9/11/2026 | 910.00 IDR |
| 9/10/2026 | 915.00 IDR |
| 9/9/2026 | 910.00 IDR |
| 9/8/2026 | 915.00 IDR |
| 9/7/2026 | 915.00 IDR |
| 9/4/2026 | 925.00 IDR |
| 9/3/2026 | 915.00 IDR |
| 9/2/2026 | 905.00 IDR |
| 9/1/2026 | 895.00 IDR |
| 8/31/2026 | 890.00 IDR |
| 8/28/2026 | 895.00 IDR |
| 8/27/2026 | 895.00 IDR |
| 8/26/2026 | 895.00 IDR |
| 8/24/2026 | 895.00 IDR |
| 8/21/2026 | 905.00 IDR |
| 8/20/2026 | 905.00 IDR |
| 8/19/2026 | 900.00 IDR |
| 8/18/2026 | 905.00 IDR |
| 8/14/2026 | 910.00 IDR |
| 8/13/2026 | 905.00 IDR |
| 8/12/2026 | 895.00 IDR |
| 8/11/2026 | 895.00 IDR |
| 8/10/2026 | 910.00 IDR |
| 8/7/2026 | 900.00 IDR |
| 8/6/2026 | 910.00 IDR |
| 8/5/2026 | 915.00 IDR |
| 8/4/2026 | 905.00 IDR |
| 8/3/2026 | 905.00 IDR |
| 7/31/2026 | 895.00 IDR |
Bank Pan Indonesia Tbk PT Revenue, Net Income
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Bank Pan Indonesia Tbk PT Income Statement, Balance Sheet, Cash Flow Statement
| REVENUET IDR |
|---|
| REVENUE GROWTH% |
| GROSS MARGIN% |
| GROSS INCOMET IDR |
| NET INCOMET IDR |
| NET INCOME GROWTH% |
| DIVIDENDDIV.IDR |
| DIVIDEND GROWTHDIV. GROWTH% |
| SHARESB |
| 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026e | 2027e | 2028e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 14.39 | 17.28 | 17.77 | 18.68 | 18.74 | 18.21 | 18.83 | 19.01 | 16.74 | 15.09 | 15.83 | 16.81 | 14.77 | 11.70 | 11.66 | 11.89 |
| 12.63 | 20.11 | 2.84 | 5.10 | 0.34 | -2.84 | 3.44 | 0.93 | -11.94 | -9.85 | 4.88 | 6.22 | -12.13 | -20.79 | -0.34 | 1.93 |
| 52.07 | 46.27 | 45.34 | 51.79 | 52.87 | 54.70 | 53.51 | 61.18 | 71.37 | 73.78 | 66.00 | 61.11 | 53.66 | 53.66 | 53.66 | 53.66 |
| 7.49 | 8.00 | 8.06 | 9.67 | 9.91 | 9.96 | 10.08 | 11.63 | 11.95 | 11.13 | 10.45 | 10.27 | 7.93 | 6.28 | 6.26 | 6.38 |
| 2.26 | 2.37 | 1.41 | 2.41 | 2.41 | 3.11 | 3.32 | 3.10 | 2.06 | 3.04 | 2.53 | 2.74 | 2.75 | 2.76 | 2.79 | 2.81 |
| 7.23 | 4.73 | -40.56 | 70.97 | 0.30 | 29.02 | 6.56 | -6.44 | -33.51 | 47.41 | -16.76 | 8.15 | 0.43 | 0.47 | 0.97 | 0.91 |
| – | – | – | – | – | – | – | – | – | 20.00 | – | – | – | 21.23 | 22.54 | 23.93 |
| – | – | – | – | – | – | – | – | – | – | – | – | – | – | 6.17 | 6.17 |
| 24.09 | 24.09 | 24.09 | 24.09 | 24.09 | 24.09 | 24.09 | 24.09 | 24.09 | 24.08 | 24.08 | 24.08 | 24.02 | 24.02 | 24.02 | 24.02 |
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Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales Bank Pan Indonesia Tbk PT generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Bank Pan Indonesia Tbk PT retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Bank Pan Indonesia Tbk PT's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares Bank Pan Indonesia Tbk PT has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Bank Pan Indonesia Tbk PT's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
Bank Pan Indonesia Tbk PT stock margins
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Bank Pan Indonesia Tbk PT Revenue per Share, Earnings per Share
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Bank Pan Indonesia Tbk PT business model & stock analysis
Bank Pan Indonesia Tbk PT SWOT Analysis
Strengths
Bank Pan Indonesia Tbk PT has several strengths that contribute to its success in the banking industry. These include:
- Strong brand reputation and recognition
- Wide range of banking products and services
- Extensive network of branches and ATMs
- Sound financial performance and profitability
- Strong customer base and loyal customer relationships
Weaknesses
Despite its strengths, Bank Pan Indonesia Tbk PT also has several weaknesses that need to be addressed in order to maintain its competitive position:
- Limited presence in rural or remote areas
- Relatively high interest rates compared to competitors
- Dependency on traditional banking methods
- Inadequate use of technology in some areas
- Regulatory compliance challenges
Opportunities
Bank Pan Indonesia Tbk PT can capitalize on various opportunities to further enhance its market position:
- Expansion into untapped rural or remote markets
- Introduction of innovative digital banking solutions
- Partnerships with fintech companies
- Increased government support for banking sector
- Growing demand for Islamic banking products
Threats
Nevertheless, Bank Pan Indonesia Tbk PT faces certain threats that may pose challenges to its operations:
- Intense competition from domestic and foreign banks
- Economic downturn and financial instability
- Increasing regulatory requirements and compliance costs
- Cybersecurity risks and data breaches
- Changing customer preferences and expectations
Bank Pan Indonesia Tbk PT Eulerpool Fair Value
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Fair Value Estimate
ⓘWhat Is Fair Value?
Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.
Earnings-Based Fair Value
Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.
Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021
Revenue-Based Fair Value
Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"
Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021
Dividend-Based Fair Value
Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.
Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021
How to Use This Chart
When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.
Bank Pan Indonesia Tbk PT historical P/E ratio, EBIT multiple, and P/S ratio
Bank Pan Indonesia Tbk PT annual returns
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Annual Return
ⓘWhat This Chart Shows
This chart breaks down Bank Pan Indonesia Tbk PT's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in Bank Pan Indonesia Tbk PT's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare Bank Pan Indonesia Tbk PT's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
Bank Pan Indonesia Tbk PT shares outstanding
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Bank Pan Indonesia Tbk PT stock splits
Since 1990, a total of 66.8272176 shares have been converted from one Bank Pan Indonesia Tbk PT share.
Bank Pan Indonesia Tbk PT Dividend History
15 years of dividend payments
Bank Pan Indonesia Tbk PT dividend payout ratio
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Current Bank Pan Indonesia Tbk PT forecasts and price targets in September 2026
Analyst Price Targets 2026Bank Pan Indonesia Tbk PT shareholder structure
| % | Name |
|---|---|
46.03634% | |
38.81572% | |
0.45554% | |
0.43178% | |
0.03099% | |
0.02730% |
Bank Pan Indonesia Tbk PT Beneficial Ownership Filings (SEC 13D/G)
Bank Pan Indonesia Tbk PT Executives and Management Board
18 members · avg. age 63 · 6 % women
Management
Mr. Nelson Tampubolon (69)
Independent President Commissioner
Drs. .. Herwidayatmo (66)
President Director
Mr. Lintang Nugroho (66)
Independent Vice President Commissioner
Ms. Marlina Gunawan (61)
Chief Financial Officer
Mr. Hendrawan Danusaputra (58)
Deputy President Director
Mr. Jasman Ginting Munthe (58)
Corporate Secretary
Board of Directors
Mr. Antonius Ketut Dwirianto (54)
Compliance, Legal Affairs and Anti Money Laundering Director
Mr. Lionto Gunawan (55)
Human Resources, Business and Information Technology Strategic Director
Mr. Januar Hardi (59)
Corporate Banking Director
Mr. Edy Heryanto (60)
Commercial Banking and Mortgage Director
Mr. Kean Yik Ng (67)
Risk Management and Digital Development Director
Mr. Gunawan Santoso (55)
Treasury and Capital Market Director
Frequently asked questions about Bank Pan Indonesia Tbk PT
The business model of Bank Pan Indonesia Tbk PT revolves around being a financial institution that offers a range of banking and financial services. As one of the leading banks in Indonesia, Bank Pan Indonesia Tbk PT provides services such as retail banking, corporate banking, treasury, and capital market activities. The company focuses on meeting the diverse financial needs of individuals, businesses, and institutions by providing competitive products, personalized services, and innovative solutions. Bank Pan Indonesia Tbk PT strives to enhance sustainable growth by expanding its customer base, improving operational efficiency, and maintaining strong risk management practices.
Bank Pan Indonesia Tbk PT is primarily active in the banking industry.
The main competitors of Bank Pan Indonesia Tbk PT in the market include Bank Mandiri Tbk PT, Bank Central Asia Tbk PT, Bank Rakyat Indonesia Tbk PT, and Bank Negara Indonesia (Persero) Tbk PT. These banks are prominent players in the Indonesian banking industry, providing various financial products and services to customers. Bank Pan Indonesia Tbk PT competes with them in areas such as customer acquisition, market share, loan and deposit services, and innovative banking solutions.
Bank Pan Indonesia Tbk PT, commonly known as Bank Panin, is a prominent bank in Indonesia with a rich history and strong foundation. Established in 1971, Bank Panin has grown to become one of the largest banks in the country. With its extensive experience and expertise in the banking industry, the bank offers a wide range of financial services including corporate and retail banking, treasury banking, asset management, and electronic banking. Bank Panin is known for its customer-centric approach and commitment to providing reliable and innovative banking solutions. Over the years, the bank has prudently expanded its network, ensuring accessibility and convenience for its customers. Bank Panin's solid reputation and continuous growth make it a reliable choice for individuals and businesses seeking trusted banking services in Indonesia.
Bank Pan Indonesia Tbk PT has achieved several significant milestones in its history. The company has successfully expanded its operations and developed a strong presence in the Indonesian banking industry. One noteworthy achievement is its consistent growth in assets and profitability over the years. Moreover, Bank Pan Indonesia Tbk PT has received recognition for its excellent customer service and innovative banking products. Additionally, the company has made strategic acquisitions and partnerships to further strengthen its market position. These milestones demonstrate Bank Pan Indonesia Tbk PT's commitment to delivering value to its stakeholders and solidifying its status as a leading bank in Indonesia.
Bank Pan Indonesia Tbk PT is primarily present in Indonesia.
Bank Pan Indonesia Tbk PT represents a strong commitment to ethical business practices and customer satisfaction. They prioritize integrity, transparency, and trustworthiness in all their operations. With a customer-centric approach, the bank focuses on delivering excellent banking services and building long-term relationships. Bank Pan Indonesia Tbk PT values professionalism and innovation, constantly striving to provide innovative financial solutions to meet the evolving needs of their customers. By embracing a corporate philosophy centered around growth, sustainability, and social responsibility, Bank Pan Indonesia Tbk PT has established itself as a leading financial institution in the market.
Analysts currently set an average price target of 1,428.00 IDR for the Bank Pan Indonesia Tbk PT stock (median: 1,428.00 IDR), implying +57.8 % versus the latest price. The consensus is based on 9 analyst ratings.
9 analysts currently rate the Bank Pan Indonesia Tbk PT stock: 0 recommend buying, 3 holding and 6 selling. For 2026, analysts expect Bank Pan Indonesia Tbk PT to generate revenue of 11.70 T IDR and earnings per share of 115.01 IDR.
Converted at the current exchange rate, the Bank Pan Indonesia Tbk PT share trades at 0.04 EUR (905.00 IDR).
The Bank Pan Indonesia Tbk PT share (PNBN.JK) is listed on 3 stock exchanges, including: Frankfurt (PTQ.F), München (PTQ.MU).
Bank Pan Indonesia Tbk PT (Bank Panin) is a leading financial service institution that offers a wide range of services. The bank operates in various segments including retail, corporate, and institutional banking, with a focus on providing comprehensive and tailored solutions to customers from all sectors. Bank Panin utilizes advanced tools and technologies to provide customers with a seamless online banking experience and customized financial solutions. As one of the leading lenders in Indonesia, the bank offers a wide range of loans including property loans, consumer loans, loans for small and medium-sized enterprises, trade loans, and export loans. The bank also provides credit lines to support customers in financing their businesses. In the investment banking segment, Bank Panin is a leading provider of investment and capital market products. It offers a wide range of wealth management solutions, including investment funds, individual accounts, and structured investment products such as bonds and stocks. The bank also operates a strong customer advisory practice to ensure that customers receive actionable recommendations tailored to their individual requirements and goals. In this context, Bank Panin offers financial planning services, investment advisory, and asset management services. In terms of technology, the bank has introduced various digital tools and services to support its customers. The Bank Panin Mobile App allows customers to conduct their banking transactions in real-time and also offers innovative features such as mobile money transfer and online loan application. Bank Panin has a strong network of branches and ATM locations across the country to ensure accessibility to services for everyone. The company has also partnered with international credit card networks such as Visa and Mastercard to provide its customers with convenient and secure access to financial services worldwide. In summary, Bank Pan Indonesia Tbk PT is a leading player in the Indonesian financial industry, offering a wide range of services tailored to the needs of its customers. The bank relies on innovative technologies to ensure seamless and targeted service. Through its presence nationwide and its focus on comprehensive financial solutions, Bank Panin has established itself as one of the most trusted and customer-oriented institutions in Indonesia.
The expected revenue of Bank Pan Indonesia Tbk PT is 11.70 T IDR. This figure is based on current financial data and reflects the company's business performance.
The expected profit of Bank Pan Indonesia Tbk PT is 2.76 T IDR. The net profit reflects the company's profitability after deducting all expenses.
The price-to-earnings ratio (P/E) of Bank Pan Indonesia Tbk PT is currently 7.87. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the Bank Pan Indonesia Tbk PT stock.
The price-to-sales ratio (P/S) of Bank Pan Indonesia Tbk PT is currently 1.86. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the Bank Pan Indonesia Tbk PT stock.
The Eulerpool Quality Score for Bank Pan Indonesia Tbk PT is 4/10.
The ISIN of Bank Pan Indonesia Tbk PT is ID1000092703. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.
The WKN of Bank Pan Indonesia Tbk PT is 894090. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.
The ticker of Bank Pan Indonesia Tbk PT is PNBN.JK. The ticker symbol is used to trade Bank Pan Indonesia Tbk PT shares on the stock exchange.
Over the past 12 months, Bank Pan Indonesia Tbk PT paid a dividend of 20.00 IDR . This corresponds to a dividend yield of about 2.21 %. For the coming 12 months, Bank Pan Indonesia Tbk PT is expected to pay a dividend of 22.54 IDR.
The current dividend yield of Bank Pan Indonesia Tbk PT is 2.21 %.
Bank Pan Indonesia Tbk PT pays a dividend, distributed in the months of June, March, July.
Bank Pan Indonesia Tbk PT paid dividends every year for the past 0 years.
For the upcoming 12 months, dividends amounting to 22.54 IDR are expected. This corresponds to a dividend yield of 2.49 %.
Bank Pan Indonesia Tbk PT is assigned to the 'Finance' sector.
To receive the latest dividend of Bank Pan Indonesia Tbk PT from 7/22/2022 amounting to 20 IDR, you needed to have the stock in your portfolio before the ex-date on 7/1/2022.
The last dividend was paid out on 7/22/2022.
In the year 2022, Bank Pan Indonesia Tbk PT distributed 20 IDR as dividends.
The dividends of Bank Pan Indonesia Tbk PT are distributed in IDR.
Bank Pan Indonesia Tbk PT stock
Bank Pan Indonesia Tbk PT Peer Group
Bank Pan Indonesia Tbk PT Ticker
Bank Pan Indonesia Tbk PT FIGI
All fundamentals and in-depth analysis of Bank Pan Indonesia Tbk PT
Our stock analysis for Bank Pan Indonesia Tbk PT stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Bank Pan Indonesia Tbk PT. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.