Banca Transilvania (LTS:0DP9) Cyclically Adjusted Book per Share: lei3.20 (As of Mar. 2026)


LTS:0DP9 Banca Transilvania SA LTS:0DP9
78 GF Score
Price lei2.13
GF Value lei1.66
Valuation Possible Value Trap
! 8 Warning Signs
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What is Banca Transilvania Cyclically Adjusted Book per Share?

Banca Transilvania LTS:0DP9 78 Cyclically Adjusted Book per Share is lei3.20 as of Mar. 2026. GuruFocus rates LTS:0DP9 with a GF Score™ of 78/100 and a GF Value™ of lei1.66 (Possible Value Trap). The stock has 8 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Banca Transilvania's adjusted book value per share for the three months ended in Mar. 2026 was lei18.580. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is lei3.20 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Banca Transilvania's average Cyclically Adjusted Book Growth Rate was 13.10% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 11.80% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 13.50% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Banca Transilvania was 15.20% per year. The lowest was 11.80% per year. And the median was 12.60% per year.

As of today (2026-07-04), Banca Transilvania's current stock price is lei2.125. Banca Transilvania's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was lei3.20. Banca Transilvania's Cyclically Adjusted PB Ratio of today is 0.66.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Banca Transilvania was 3.51. The lowest was 1.42. And the median was 2.26.


Banca Transilvania  (LTS:0DP9) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Banca Transilvania's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=2.125/3.20
=0.66

* 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.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Banca Transilvania was 3.51. The lowest was 1.42. And the median was 2.26.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Banca Transilvania Cyclically Adjusted Book per Share Related Terms


Banca Transilvania Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Banca Transilvania's Cyclically Adjusted Book per Share 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.

Banca Transilvania Cyclically Adjusted Book per Share Chart

Banca Transilvania Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.62 6.09 4.93 4.33 3.65

Banca Transilvania Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share 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 4.21 3.99 3.82 3.65 3.20

LTS:0DP9 vs PNC, USB: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, Banca Transilvania's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio 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.


Banca Transilvania Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Banca Transilvania's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Banca Transilvania's Cyclically Adjusted PB Ratio falls into.


LTS:0DP9
78GF Score
Banca Transilvania SA LTS:0DP9
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Banca Transilvania Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Banca Transilvania's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=18.58/330.2130*330.2130
=18.580

Current CPI (Mar. 2026) = 330.2130.

Banca Transilvania Quarterly Data

Book Value per Share CPI Adj_Book
201606 6.019 241.018 8.246
201609 5.306 241.428 7.257
201612 5.630 241.432 7.700
201703 5.894 243.801 7.983
201706 5.986 244.955 8.069
201709 6.283 246.819 8.406
201712 6.539 246.524 8.759
201803 6.761 249.554 8.946
201806 5.847 251.989 7.662
201809 6.935 252.439 9.072
201812 6.977 251.233 9.170
201903 7.532 254.202 9.784
201906 7.285 256.143 9.392
201909 7.984 256.759 10.268
201912 8.115 256.974 10.428
202003 8.060 258.115 10.311
202006 8.157 257.797 10.448
202009 8.656 260.280 10.982
202012 9.206 260.474 11.671
202103 9.759 264.877 12.166
202106 9.958 271.696 12.103
202109 10.573 274.310 12.728
202112 8.427 278.802 9.981
202203 7.811 287.504 8.971
202206 8.694 296.311 9.689
202209 8.420 296.808 9.368
202212 8.193 296.797 9.115
202303 9.451 301.836 10.340
202306 10.723 305.109 11.605
202309 10.781 307.789 11.566
202312 12.147 306.746 13.076
202403 13.160 312.332 13.913
202406 11.354 314.175 11.934
202409 13.052 315.301 13.669
202412 15.261 315.605 15.967
202503 16.176 319.799 16.703
202506 15.775 322.561 16.149
202509 17.157 324.800 17.443
202512 20.576 324.054 20.967
202603 18.580 330.213 18.580

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of lei3.20 mean?
Banca Transilvania (LTS:0DP9) has a Cyclically Adjusted Book per Share of lei3.20 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Banca Transilvania and its competitors.
Is Banca Transilvania's Cyclically Adjusted Book per Share too high?
Banca Transilvania's current Cyclically Adjusted Book per Share is lei3.20. Overall, Banca Transilvania has a GF Score™ of 78/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Banca Transilvania's Cyclically Adjusted Book per Share compare to PNC and USB?
Banca Transilvania's Cyclically Adjusted Book per Share of lei3.20 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 Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share 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 Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Banca Transilvania and its competitors. Banca Transilvania's current Cyclically Adjusted Book per Share is lei3.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banca Transilvania stock overvalued right now?
Based on GuruFocus' analysis, Banca Transilvania (LTS:0DP9) is currently considered Possible Value Trap. The stock's GF Value™ is lei1.66, compared to a current price of lei2.13 — trading 28% above its estimated fair value. The current Cyclically Adjusted Book per Share is lei3.20. Banca Transilvania's overall GF Score™ is 78/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Banca Transilvania (LTS:0DP9), the current Cyclically Adjusted Book per Share is lei3.20 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 Banca Transilvania (LTS:0DP9) Overvalued in 2026?

Based on GuruFocus' analysis, Banca Transilvania stock appears to be overvalued. The current stock price of lei2.13 is trading 28% above its estimated GF Value™ of lei1.66. GuruFocus considers Banca Transilvania to be Possible Value Trap.

Key valuation signals for LTS:0DP9:

  • Cyclically Adjusted Book per Share: lei3.20
  • GF Value™: lei1.66 vs. price of lei2.13 (28% above fair value)
  • GF Score™: 78/100 with 8 warning signs

No single metric tells the full story. See the LTS:0DP9 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Banca Transilvania Business Description

Other Exchanges TLV:Romania7TB:Germany
Address 30-36 Calea Dorobantilor, Cluj-Napoca, ROU
Banca Transilvania SA Is a bank for entrepreneurs in Romania. It provides banking products and services to corporate and retail clients and its operation format is broken down into various segments which include Large and medium corporate customers, Small and medium-sized enterprises, Micro business clients, Retail, Treasury, Leasing, and customer finance, and others. The group takes an active role in offering products and services such as lending services, cash management services, asset management, investment, mortgage, deposits, card services, internet banking, tax assistance, and financial services for a medical specialty. Besides, the firm also offers financial investment management, brokerage service, factoring, and real estate services.
78GF Score

Get the complete analysis for LTS:0DP9

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

lei2.13
Price
lei1.66
GF Value