Banca Transilvania (TLV) Stock Overview
Provides various banking products and services in Romania, Italy, and the Republic of Moldova. More details
| Snowflake Score | |
|---|---|
| Valuation | 3/6 |
| Future Growth | 3/6 |
| Past Performance | 4/6 |
| Financial Health | 5/6 |
| Dividends | 4/6 |
TLV Community Fair Values
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Analyst Price Targets
Banca Transilvania S.A. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | RON 40.00 |
| 52 Week High | RON 40.20 |
| 52 Week Low | RON 25.23 |
| Beta | 0.49 |
| 1 Month Change | 3.04% |
| 3 Month Change | 9.59% |
| 1 Year Change | 56.68% |
| 3 Year Change | 188.53% |
| 5 Year Change | 176.40% |
| Change since IPO | 33,136.95% |
Recent News & Updates
Narrative Update • Jun 22
TLV: Dividend And Meetings Will Shape A Steady Fairly Valued Outlook
Analysts kept their RON fair value estimate for Banca Transilvania steady at RON 36.87, with the unchanged price target supported by slightly adjusted assumptions for the discount rate, revenue growth, profit margin, and future P/E that broadly offset each other. What’s in the News for Banca Transilvania Banca Transilvania plans an Analyst and Investor Day, giving the market an opportunity to hear updated management views on the business and outlook.Narrative Update • Jun 04
TLV: Dividend And Shareholder Meeting Will Shape A Steady Forward Outlook
Analysts have nudged their price target for Banca Transilvania to RON36.87 from RON35.60, reflecting updated assumptions around slightly higher revenue growth, profit margins, and a revised future P/E multiple. What's in the News Banca Transilvania has scheduled a Special and Extraordinary Shareholders Meeting for April 28, 2026, at 14:00 Eastern Europe Standard Time at its headquarters in Cluj-Napoca, str.Narrative Update • Apr 21
TLV: Dividend And Shareholder Meeting Will Support A Steady Outlook
Analysts now keep their Banca Transilvania fair value estimate steady at RON 35.6, with only marginal tweaks to inputs such as the discount rate and assumed future P/E. This reflects fine tuning of their models rather than a change in overall conviction.Narrative Update • Apr 06
TLV: Extraordinary Meeting And Dividend Plans Will Support Steady Outlook
Analysts have lifted their RON 33.35 fair value estimate for Banca Transilvania to RON 35.60, citing updated assumptions around the discount rate, revenue growth, profit margins and future P/E that collectively point to a modestly higher valuation anchor. What's in the News Banca Transilvania has scheduled a Special or Extraordinary Shareholders Meeting for April 28, 2026 at 14:00 E.Recent updates
Narrative Update • Jun 22
TLV: Dividend And Meetings Will Shape A Steady Fairly Valued Outlook
Analysts kept their RON fair value estimate for Banca Transilvania steady at RON 36.87, with the unchanged price target supported by slightly adjusted assumptions for the discount rate, revenue growth, profit margin, and future P/E that broadly offset each other. What’s in the News for Banca Transilvania Banca Transilvania plans an Analyst and Investor Day, giving the market an opportunity to hear updated management views on the business and outlook.Narrative Update • Jun 04
TLV: Dividend And Shareholder Meeting Will Shape A Steady Forward Outlook
Analysts have nudged their price target for Banca Transilvania to RON36.87 from RON35.60, reflecting updated assumptions around slightly higher revenue growth, profit margins, and a revised future P/E multiple. What's in the News Banca Transilvania has scheduled a Special and Extraordinary Shareholders Meeting for April 28, 2026, at 14:00 Eastern Europe Standard Time at its headquarters in Cluj-Napoca, str.Narrative Update • Apr 21
TLV: Dividend And Shareholder Meeting Will Support A Steady Outlook
Analysts now keep their Banca Transilvania fair value estimate steady at RON 35.6, with only marginal tweaks to inputs such as the discount rate and assumed future P/E. This reflects fine tuning of their models rather than a change in overall conviction.Narrative Update • Apr 06
TLV: Extraordinary Meeting And Dividend Plans Will Support Steady Outlook
Analysts have lifted their RON 33.35 fair value estimate for Banca Transilvania to RON 35.60, citing updated assumptions around the discount rate, revenue growth, profit margins and future P/E that collectively point to a modestly higher valuation anchor. What's in the News Banca Transilvania has scheduled a Special or Extraordinary Shareholders Meeting for April 28, 2026 at 14:00 E.Narrative Update • Feb 24
TLV: Extraordinary Meeting And Model Tweaks Will Support Steady Outlook
Analysts have kept their RON 33.35 price target for Banca Transilvania broadly unchanged, highlighting slightly adjusted assumptions for the discount rate, revenue growth, profit margin and future P/E as the key drivers behind their current view. What's in the News Banca Transilvania has scheduled a Special or Extraordinary Shareholders Meeting for April 28, 2026, signaling upcoming shareholder votes on key corporate matters (Key Developments).Narrative Update • Feb 09
TLV: Updated Assumptions And Shareholder Meeting Will Support Steady Fair Value Outlook
Analysts have nudged their price target higher for Banca Transilvania to reflect updated fair value estimates and revised assumptions for the discount rate, revenue growth, profit margin, and future P/E, which together indicate a more supportive risk and earnings profile than in the prior framework. What's in the News Banca Transilvania has scheduled a Special or Extraordinary Shareholders Meeting for April 28, 2026.Narrative Update • Jan 25
TLV: Updated Discount Rate And Margins Will Support Steady Fair Value Outlook
Analysts have made a modest adjustment to their price outlook on Banca Transilvania, reflecting slightly updated assumptions around discount rates, revenue growth, profit margins and future P/E. Taken together, these updates leave fair value broadly unchanged at €31.48.Narrative Update • Jan 10
TLV: Discount Rate And Margin Assumptions Will Steady Fairly Valued Outlook
Analysts have revised their price expectations for Banca Transilvania to reflect a slightly lower discount rate, a modest adjustment in the assumed profit margin and a small change in the future P/E multiple, resulting in an updated target centered on a fair value of 31.478. Valuation Changes Fair Value: The updated fair value remains unchanged at RON 31.478 per share.Narrative Update • Dec 26
TLV: Dividend Stability And Margins Will Guide Fairly Valued Outlook
Analysts have nudged their price target on Banca Transilvania slightly higher to RON 31.48, reflecting modestly improved expectations for long term earnings sustainability and valuation multiples, despite only incremental changes in discount rate and growth assumptions. Valuation Changes Fair Value: unchanged at RON 31.48 per share, indicating a stable central valuation outcome.Narrative Update • Dec 12
TLV: Dividend Distribution And Stable Margins Will Shape Near Term Outlook
Analysts have nudged their price target on Banca Transilvania slightly higher to reflect an improved fair value estimate of approximately 31.48, supported by marginally stronger assumptions for revenue growth, profit margins, and future valuation multiples. What's in the News A special and extraordinary shareholders meeting is scheduled for October 28, 2025 at 12:00 E.Narrative Update • Nov 28
TLV: Dividend Payout And Stable Margins Will Guide Near Term Outlook
Analysts have made a marginal downward revision to their price target for Banca Transilvania. The new target is set at RON 30.65, reflecting slight changes in discount rate and projected future valuation multiples.Narrative Update • Nov 13
TLV: Future Dividend Payout And Profit Margins Will Shape Outlook
Analysts have slightly reduced their price target for Banca Transilvania to RON 30.65. They cite modest adjustments in revenue growth and discount rates, while acknowledging persistent strength in profit margins and future earnings expectations.Narrative Update • Oct 29
Dividend Distribution Plan And Macroeconomic Shifts Will Shape Banking Returns Ahead
Analysts have maintained their price target for Banca Transilvania at RON 30.65, citing only marginal updates to the discount rate and future valuation metrics. These changes do not materially affect their outlook.Narrative Update • Oct 15
Fiscal Tightening And High Taxes Will Erode Romanian Banks
Analysts have slightly raised their price target for Banca Transilvania, increasing it from RON 30.19 to RON 30.65. They cite small improvements in expected revenue growth along with a modest update to the bank’s discount rate assumptions.Narrative Update • Aug 27
Integration With OTP Bank Romania Will Expand Market Share But Operational Risks Could Affect Margins
The slight upward revision in Banca Transilvania's consensus price target reflects modest improvement in revenue growth forecasts, while net profit margin remains stable, resulting in a marginal increase in fair value to RON29.29. What's in the News Banca Transilvania announced a stock split or significant stock dividend with a split ratio of 1.1891737621 : 1, effective July 17, 2025.Analysis Article • Jul 08
Here's Why Banca Transilvania (BVB:TLV) Has Caught The Eye Of Investors
For beginners, it can seem like a good idea (and an exciting prospect) to buy a company that tells a good story to...
New Narrative • Dec 07
Integration Of OTP And Rising Expenses Threaten Profitability Amid Economic Uncertainty
Integration costs and increased operating expenses, coupled with new taxes, may impact net margins and affect earnings if efficiencies are not achieved quickly.Shareholder Returns
| TLV | RO Banks | RO Market | |
|---|---|---|---|
| 7D | 4.5% | 3.2% | 7.5% |
| 1Y | 56.7% | 44.9% | 74.4% |
Return vs Industry: TLV exceeded the RO Banks industry which returned 44.9% over the past year.
Return vs Market: TLV underperformed the RO Market which returned 74.4% over the past year.
Price Volatility
| TLV volatility | |
|---|---|
| TLV Average Weekly Movement | 2.9% |
| Banks Industry Average Movement | 3.7% |
| Market Average Movement | 4.6% |
| 10% most volatile stocks in RO Market | 12.6% |
| 10% least volatile stocks in RO Market | 2.8% |
Stable Share Price: TLV has not had significant price volatility in the past 3 months compared to the RO market.
Volatility Over Time: TLV's weekly volatility (3%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1993 | 13,306 | Omer Tetik | www.bancatransilvania.ro |
Banca Transilvania S.A. provides various banking products and services in Romania, Italy, and the Republic of Moldova. The company operates through Large Corporate Clients, Medium Corporate Customers, SME clients, Micro Business clients, Retail customers, Treasury, Leasing and consumer finance granted by non-banking financial institutions, and Other segments. It offers transactional banking products, current account subscriptions, bancassurance products, debit and credit cards, deposits and savings accounts, consumer loans and mortgages, and ATM services to children, students, and employees.
Banca Transilvania S.A. Fundamentals Summary
| TLV fundamental statistics | |
|---|---|
| Market cap | RON 43.48b |
| Earnings (TTM) | RON 4.72b |
| Revenue (TTM) | RON 11.33b |
9.2x
P/E Ratio1.9x
P/B RatioIs TLV overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| TLV income statement (TTM) | |
|---|---|
| Revenue | RON 11.33b |
| Cost of Revenue | RON 541.68m |
| Gross Profit | RON 10.79b |
| Other Expenses | RON 6.07b |
| Earnings | RON 4.72b |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
Aug 21, 2026
| Earnings per share (EPS) | 4.34 |
| Gross Margin | 95.22% |
| Net Profit Margin | 41.66% |
| Debt/Equity Ratio | 82.8% |
How did TLV perform over the long term?
See historical performance and comparisonDividends
4.8%
Current Dividend Yield44%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/07/06 22:56 |
| End of Day Share Price | 2026/07/06 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Banca Transilvania S.A. is covered by 14 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Andreas Markou | Berenberg |
| Simon Nellis | Citigroup Inc |
| Thomas Unger | Erste Group Bank AG |