Banca TransilvaniaLTS:0DP9 78 ROE % is 19.28% as of Mar. 2026, which is 9% below its 10-year median of 21.14. 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. Among 1,525 Banks companies, Banca Transilvania ranks better than 95.8% on this metric.
The historical rank and industry rank for Banca Transilvania's ROE % or its related term are showing as below:
LTS:0DP9'
s ROE % Range Over the Past 10 Years
Min: 14.64 Med: 21.14 Max: 31.7
Current: 24.74
During the past 13 years, Banca Transilvania's highest ROE % was 31.70%. The lowest was 14.64%. And the median was 21.14%.
LTS:0DP9's ROE % is ranked better than 95.8% of 1525
companies
in the Banks industry
Industry Median: 10.22
vs LTS:0DP9: 24.74
Banca Transilvania (LTS:0DP9) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
Banca Transilvania ROE % Related Terms
Banca Transilvania ROE % Historical Data
* Premium members only.
The historical data trend for Banca Transilvania's ROE % 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.
For the Banks - Regional subindustry, Banca Transilvania's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Banca Transilvania's ROE % distribution charts can be found below:
* The bar in red indicates where Banca Transilvania's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Banca Transilvania (LTS:0DP9) has a ROE % of 19.28% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Banca Transilvania and its competitors. This is near median its historical median of 21.14. Over the past decade, Banca Transilvania's ROE % has ranged from 14.64 to 31.70. According to the industry distribution chart, Banca Transilvania ranks #64 out of 1525 companies in the Banks industry, placing it in the top 4.2%.
Is Banca Transilvania's ROE % too high?
Banca Transilvania's current ROE % of 19.28% is near median its 10-year median of 21.14. Over the past 10 years, this metric has ranged from a low of 14.64 to a high of 31.70. The Banks industry median ROE % is 10.22. Banca Transilvania's value of 19.28% is 88.6% above this industry median. Based on the distribution chart, Banca Transilvania ranks #64 out of 1525 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 Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Banca Transilvania's ROE % compare to PNC and USB?
According to the Banks industry distribution chart, Banca Transilvania ranks #64 out of 1525 companies for ROE %. This places Banca Transilvania in the top 4% of its industry — outperforming the majority of peers. The industry median ROE % is 10.22. Banca Transilvania's value of 19.28% is 88.6% above this benchmark. Historically, Banca Transilvania's own ROE % has ranged from 14.64 to 31.70 over the past decade. While the company's 10-year median is 21.14 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banca Transilvania's current ROE % of 19.28% is 88.6% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Banca Transilvania and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banca Transilvania's current ROE % is 19.28%, which is near median its own 10-year median of 21.14. 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 ROE % is 19.28%, which is near median its 10-year median of 21.14 and 88.6% above the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Banca Transilvania (LTS:0DP9), the current ROE % is 19.28% 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:
ROE %: 19.28% (near median its 10-year median of 21.14)
GF Value™: lei1.66 vs. price of lei2.13 (28% above fair value)
Industry Position: 88.6% above the Banks median (#64 of 1525)
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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