Next reporting 20 Nov 2026In 18 days
Banca Transilvania
I · AI Analysis
The brief
Banca Transilvania provides retail and commercial banking services including current accounts, loans, mortgages, credit cards, and wealth management across Romania and neighboring markets. The bank operates through multiple segments serving everyone from individual consumers to large corporates, with a growing emphasis on digital channels over physical branches.
Banca Transilvania is Romania's largest bank by market cap (RON 43.9 billion), serving retail and corporate clients across Romania, Italy, and Moldova [Yahoo Finance]. The bank reported strong first-half 2026 results, with profits up 27% year-over-year driven by loan growth and digital service adoption [GuruFocus]. Trading at 9.0x trailing earnings, the bank recently executed a 114.42:100 stock split in July 2026 [Yahoo Finance].
Strong profitability with 42% net margins, though forward earnings expectations have declined slightly.
Sentinellis health
Not enough data to score
Profitability
Returns on capital
Growth & momentum
Balance sheet
Cash generation
Value creation
Sentinellis calculation from the published statements — not a score reported by any data source. Each category is scored on the checks that had data; missing inputs are excluded rather than counted as failures.
Capital & liquidity
As Banca Transilvania SA disclosed it · December 31, 2025
- CET1 ratio
- its own requirement 17.84%18.29%
- Tier 1 ratio
- 20.86%
- Total capital ratio
- 22.79%
- Liquidity coverage ratio (LCR)
- regulatory minimum 100%783.52%
- Net stable funding ratio (NSFR)
- regulatory minimum 100%228.16%
Source: EBA Pillar 3 Data Hub
Market capitalisation
RON 43.9B
Revenue (TTM)
RON 11.8B
Explainers
How we read these numbers
Plain-English guides · no account needed
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ReadII · Recent news
What moved
1 story · ranked by relevance
- Company2026-08-24
Banca Transilvania SA (FRA:7TB) (Q2 2026) Earnings Call Highlights: Record RON2. ...
GuruFocus
Premium · Free with any account
Forward earnings per share (RON 3.67) are projected below trailing EPS (RON 3.92), indicating analysts expect a decline in profitability from current levels [Yahoo Finance]
Risks
6
Opportunities
6
Red flags
3
Leadership
10
14 more findings in the full report — free with any account.
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