Banca Transilvania (BSE:TLV) Moat Score: 0/10 (As of Jul. 14, 2026)

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.

BSE:TLV Banca Transilvania SA BSE:TLV
84 GF Score
Price lei40.68
GF Value lei30.93
Valuation Significantly Overvalued
! 8 Warning Signs
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What is Banca Transilvania Moat Score?

Banca Transilvania has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Banca Transilvania has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Banca Transilvania might have No Moat - No discernible moat.

Banca Transilvania  (BSE:TLV) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Banca Transilvania Moat Score Related Terms

BSE:TLV
84GF Score
Banca Transilvania SA BSE:TLV
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Banca Transilvania (BSE:TLV) Overvalued in 2026?

Based on GuruFocus' analysis, Banca Transilvania stock appears to be overvalued. The current stock price of lei40.68 is trading 31.5% above its estimated GF Value™ of lei30.93. GuruFocus considers Banca Transilvania to be Significantly Overvalued.

Key valuation signals for BSE:TLV:

  • Moat Score: 0
  • GF Value™: lei30.93 vs. price of lei40.68 (31.5% above fair value)
  • GF Score™: 84/100 with 8 warning signs

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

Banca Transilvania Business Description

Other Exchanges 0DP9:UK7TB: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.
84GF Score

Get the complete analysis for BSE:TLV

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

lei40.68
Price
lei30.93
GF Value