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Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Banca Transilvania's 3-Year RORE % for the quarter that ended in Mar. 2026 was 17.38%.
The industry rank for Banca Transilvania's 3-Year RORE % or its related term are showing as below:
LTS:0DP9's 3-Year RORE % is ranked better than 66.03% of 1475
companies
in the Banks industry
Industry Median: 9.92
vs LTS:0DP9: 17.38
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Banca Transilvania 3-Year RORE % Related Terms
Banca Transilvania 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Banca Transilvania's 3-Year RORE % 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 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Banca Transilvania's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Banca Transilvania's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Banca Transilvania (LTS:0DP9) has a 3-Year RORE % of 17.38 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Banca Transilvania and its competitors. According to the industry distribution chart, Banca Transilvania ranks #501 out of 1475 companies in the Banks industry, placing it in the top 34%.
Is Banca Transilvania's 3-Year RORE % too high?
Banca Transilvania's current 3-Year RORE % is 17.38. The Banks industry median 3-Year RORE % is 9.92. Banca Transilvania's value of 17.38 is 75.2% above this industry median. Based on the distribution chart, Banca Transilvania ranks #501 out of 1475 companies in the Banks industry, which is above the industry midpoint. Overall, Banca Transilvania has a GF Score™ of 72/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Banca Transilvania's 3-Year RORE % compare to PNC and USB?
According to the Banks industry distribution chart, Banca Transilvania ranks #501 out of 1475 companies for 3-Year RORE %. This puts Banca Transilvania in the upper half of its industry. The industry median 3-Year RORE % is 9.92. Banca Transilvania's value of 17.38 is 75.2% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.92, based on 1,475 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banca Transilvania's current 3-Year RORE % of 17.38 is 75.2% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Banca Transilvania and its competitors. For the Banks industry, the median 3-Year RORE % is 9.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banca Transilvania's current 3-Year RORE % is 17.38. 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 lei1.62, compared to a current price of lei2.13 — trading 31.2% above its estimated fair value. The current 3-Year RORE % is 17.38 and 75.2% above the Banks industry median of 9.92. Banca Transilvania's overall GF Score™ is 72/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Banca Transilvania (LTS:0DP9), the current 3-Year RORE % is 17.38 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 31.2% above its estimated GF Value™ of lei1.62.
GuruFocus considers Banca Transilvania to be Possible Value Trap.
Key valuation signals for LTS:0DP9:
3-Year RORE %: 17.38
GF Value™: lei1.62 vs. price of lei2.13 (31.2% above fair value)
Industry Position: 75.2% above the Banks median (#501 of 1475)
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.
72GF Score
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