Banca Transilvania (FRA:7TB) E10: €0.47 (As of Mar. 2026)


FRA:7TB Banca Transilvania SA FRA:7TB
62 GF Score
Price €7.42
GF Value €6.05
Valuation Modestly Overvalued
! 7 Warning Signs
View Full Analysis

What is Banca Transilvania E10?

Banca Transilvania FRA:7TB +6.69% 62 E10 is €0.47 as of Mar. 2026. GuruFocus rates FRA:7TB with a GF Score™ of 62/100 and a GF Value™ of €6.05 (Modestly Overvalued). The stock has 7 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Banca Transilvania's adjusted earnings per share data for the three months ended in Mar. 2026 was €0.167. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €0.47 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Banca Transilvania's average E10 Growth Rate was 6.10% per year. During the past 3 years, the average E10 Growth Rate was 13.40% per year. During the past 5 years, the average E10 Growth Rate was 12.40% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Banca Transilvania was 13.50% per year. The lowest was 11.10% per year. And the median was 13.40% per year.

As of today (2026-06-26), Banca Transilvania's current stock price is €7.42. Banca Transilvania's E10 for the quarter that ended in Mar. 2026 was €0.47. Banca Transilvania's Shiller PE Ratio of today is 15.79.

During the past 13 years, the highest Shiller PE Ratio of Banca Transilvania was 16.11. The lowest was 6.86. And the median was 10.17.


Banca Transilvania  (FRA:7TB) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Banca Transilvania's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=7.42/0.47
=15.79

* 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 Shiller P/E Ratio of Banca Transilvania was 16.11. The lowest was 6.86. And the median was 10.17.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Banca Transilvania E10 Related Terms


Banca Transilvania E10 Historical Data

* Premium members only.

The historical data trend for Banca Transilvania's E10 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 E10 Chart

Banca Transilvania Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.45

Banca Transilvania Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 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 0.45 0.41 0.43 0.45 0.47

FRA:7TB vs PNC, USB: E10 Comparison

For the Banks - Regional subindustry, Banca Transilvania's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Banks Industry

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

* The bar in red indicates where Banca Transilvania's Shiller PE Ratio falls into.


FRA:7TB
62GF Score
Banca Transilvania SA FRA:7TB
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Banca Transilvania E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.167/330.2130*330.2130
=0.167

Current CPI (Mar. 2026) = 330.2130.

Banca Transilvania Quarterly Data

per share eps CPI Adj_EPS
201606 0.052 241.018 0.071
201609 0.046 241.428 0.063
201612 0.100 241.432 0.137
201703 0.046 243.801 0.062
201706 0.042 244.955 0.057
201709 0.055 246.819 0.074
201712 0.071 246.524 0.095
201803 0.068 249.554 0.090
201806 0.073 251.989 0.096
201809 0.061 252.439 0.080
201812 0.002 251.233 0.003
201903 0.088 254.202 0.114
201906 0.069 256.143 0.089
201909 0.097 256.759 0.125
201912 0.100 256.974 0.129
202003 0.047 258.115 0.060
202006 0.059 257.797 0.076
202009 0.061 260.280 0.077
202012 0.062 260.474 0.079
202103 0.101 264.877 0.126
202106 0.061 271.696 0.074
202109 0.110 274.310 0.132
202112 0.054 278.802 0.064
202203 0.059 287.504 0.068
202206 0.011 296.311 0.012
202209 0.118 296.808 0.131
202212 0.091 296.797 0.101
202303 0.122 301.836 0.133
202306 0.097 305.109 0.105
202309 0.120 307.789 0.129
202312 0.192 306.746 0.207
202403 0.154 312.332 0.163
202406 0.126 314.175 0.132
202409 0.297 315.301 0.311
202412 0.170 315.605 0.178
202503 0.130 319.799 0.134
202506 0.159 322.561 0.163
202509 0.216 324.800 0.220
202512 0.256 324.054 0.261
202603 0.167 330.213 0.167

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of €0.47 mean?
Banca Transilvania (FRA:7TB) has a E10 of €0.47 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Banca Transilvania and its competitors.
Is Banca Transilvania's E10 too high?
Banca Transilvania's current E10 is €0.47. Overall, Banca Transilvania has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banca Transilvania's E10 compare to PNC and USB?
Banca Transilvania's E10 of €0.47 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Banca Transilvania and its competitors. Banca Transilvania's current E10 is €0.47. 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 (FRA:7TB) is currently considered Modestly Overvalued. The stock's GF Value™ is €6.05, compared to a current price of €7.42 — trading 22.6% above its estimated fair value. The current E10 is €0.47. Banca Transilvania's overall GF Score™ is 62/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Banca Transilvania (FRA:7TB), the current E10 is €0.47 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 (FRA:7TB) Overvalued in 2026?

Based on GuruFocus' analysis, Banca Transilvania stock appears to be overvalued. The current stock price of €7.42 is trading 22.6% above its estimated GF Value™ of €6.05. GuruFocus considers Banca Transilvania to be Modestly Overvalued.

Key valuation signals for FRA:7TB:

  • E10: €0.47
  • GF Value™: €6.05 vs. price of €7.42 (22.6% above fair value)
  • GF Score™: 62/100 with 7 warning signs

No single metric tells the full story. See the FRA:7TB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Banca Transilvania Business Description

Other Exchanges TLV:Romania0DP9:UK
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.
62GF Score

Get the complete analysis for FRA:7TB

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€7.42
Price
€6.05
GF Value