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Bank Syariah Indonesia (BSI) faces challenges in optimizing financial performance and market valuation following the merger process in 2021. This study aims to analyze the influence of Third Party Funds, liquidity, and Islamicity Performance Index on BSI stock prices during the period 2021-2025. The research employs multiple linear regression analysis method using monthly data from BSI financial reports and stock price data from the Indonesia Stock Exchange. The results indicate that Third Party Funds have a negative but non-significant effect on BSI stock prices, suggesting that increases in Third Party Funds do not automatically enhance stock valuation as investors are concerned about the profit-sharing burden that must be paid. Liquidity has a positive and significant effect on stock prices, demonstrating that fund distribution efficiency is the primary factor evaluated by investors. The Islamicity Performance Index has a negative and significant effect on stock prices, confirming that investors interpret high sharia compliance indices as reducing profitability for shareholders. This study confirms that investors in evaluating Bank Syariah Indonesia stocks prioritize operational efficiency over operational scale or sharia compliance orientation.

The purpose of this study is to know and analyze the influence of intellectual capital and musyarakh financing on the financial performance of Sharia Commercial Banks for the 2017-2022 period. This research is a quantitative research that uses secondary data. The population in this study amounted to 13 Sharia Commercial Banks. Samples are selected using the Purposive Sampling method. In this study produced a sample of 48 observational data (8 BUS in 6 years). The results showed that Intellectual Capital partially affected the financial performance of Sharia Commercial Banks for the 2017-2022 period. Meanwhile, Musyarakah Financing does not significantly affect the financial performance of Sharia Commercial Banks for the 2017-2022 period.