Banca TransilvaniaLTS:0DP9 78 Return-on-Tangible-Equity is 20.58% as of Mar. 2026, which is 5% below its 10-year median of 21.64. GuruFocus rates LTS:0DP9 with a GF Score™ of 78/100 and a GF Value™ of lei1.65 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,521 Banks companies, Banca Transilvania ranks better than 95% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Banca Transilvania's annualized net income for the quarter that ended in Mar. 2026 was lei4,394 Mil. Banca Transilvania's average shareholder tangible equity for the quarter that ended in Mar. 2026 was lei21,350 Mil. Therefore, Banca Transilvania's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 20.58%.
The historical rank and industry rank for Banca Transilvania's Return-on-Tangible-Equity or its related term are showing as below:
LTS:0DP9'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 15.1 Med: 21.64 Max: 33.96
Current: 26.45
During the past 13 years, Banca Transilvania's highest Return-on-Tangible-Equity was 33.96%. The lowest was 15.10%. And the median was 21.64%.
LTS:0DP9's Return-on-Tangible-Equity is ranked better than 95% of 1521
companies
in the Banks industry
Industry Median: 11.19
vs LTS:0DP9: 26.45
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Banca Transilvania Return-on-Tangible-Equity Related Terms
Banca Transilvania Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Banca Transilvania's Return-on-Tangible-Equity 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.
LTS:0DP9 vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Banca Transilvania's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Banca Transilvania's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Banca Transilvania's Return-on-Tangible-Equity falls into.
* 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 20.58% mean?
Banca Transilvania (LTS:0DP9) has a Return-on-Tangible-Equity of 20.58% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Banca Transilvania and its competitors. This is near median its historical median of 21.64. Over the past decade, Banca Transilvania's Return-on-Tangible-Equity has ranged from 15.10 to 33.96. According to the industry distribution chart, Banca Transilvania ranks #76 out of 1521 companies in the Banks industry, placing it in the top 5%.
Is Banca Transilvania's Return-on-Tangible-Equity too high?
Banca Transilvania's current Return-on-Tangible-Equity of 20.58% is near median its 10-year median of 21.64. Over the past 10 years, this metric has ranged from a low of 15.10 to a high of 33.96. The Banks industry median Return-on-Tangible-Equity is 11.19. Banca Transilvania's value of 20.58% is 83.9% above this industry median. Based on the distribution chart, Banca Transilvania ranks #76 out of 1521 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Banca Transilvania has a GF Score™ of 78/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banca Transilvania's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Banca Transilvania ranks #76 out of 1521 companies for Return-on-Tangible-Equity. This places Banca Transilvania in the top 5% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.19. Banca Transilvania's value of 20.58% is 83.9% above this benchmark. Historically, Banca Transilvania's own Return-on-Tangible-Equity has ranged from 15.10 to 33.96 over the past decade. While the company's 10-year median is 21.64 vs. the industry median of 11.19, Banca Transilvania has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banca Transilvania's current Return-on-Tangible-Equity of 20.58% is 83.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Banca Transilvania and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banca Transilvania's current Return-on-Tangible-Equity is 20.58%, which is near median its own 10-year median of 21.64. 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 Modestly Overvalued. The stock's GF Value™ is lei1.65, compared to a current price of lei2.13 — trading 28.8% above its estimated fair value. The current Return-on-Tangible-Equity is 20.58%, which is near median its 10-year median of 21.64 and 83.9% above the Banks industry median of 11.19. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Banca Transilvania (LTS:0DP9), the current Return-on-Tangible-Equity is 20.58% 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 28.8% above its estimated GF Value™ of lei1.65.
GuruFocus considers Banca Transilvania to be Modestly Overvalued.
Key valuation signals for LTS:0DP9:
Return-on-Tangible-Equity: 20.58% (near median its 10-year median of 21.64)
GF Value™: lei1.65 vs. price of lei2.13 (28.8% above fair value)
Industry Position: 83.9% above the Banks median (#76 of 1521)
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 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
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