Banca Transilvania S.A. (TLV) Stock Price, Fundamentals & Analysis

What TLV does

Banca Transilvania S.A. (TLV) is a bank headquartered in Cluj-Napoca, Romania, that provides a wide range of banking products and services in Romania, Italy, and the Republic of Moldova. It serves large corporate clients, medium-sized companies, SMEs, micro businesses, and retail customers, and also operates treasury, leasing, and consumer finance businesses through non-banking financial institutions. The company offers transactional banking, current accounts, debit and credit cards, deposits, consumer loans, mortgages, ATM services, asset management, merger and acquisition consultancy, and capital market advisory services.

Key numbers explained

• 34.6 RON is the current share price, representing the latest trading value of one TLV share on the Bucharest Stock Exchange (BVB).
• The trailing P/E ratio of 8.8 compares the share price to the last 12 months of earnings per share (3.92 RON), showing how much investors pay for each leu of recent earnings.
• The forward P/E ratio of 9.4 uses expected future earnings, giving a sense of valuation based on what analysts anticipate.
• 3.2% is the dividend yield, meaning the annual dividend represents 3.2% of the current share price; the ex-dividend date is June 15, 2026.
• 43% of earnings are paid out as dividends, indicating the share of profit returned to shareholders.
• 0.47 is the beta, a measure of the stock's volatility relative to the overall market; a value below 1 suggests lower sensitivity to market swings.
• 43.12 mld. RON is the market capitalisation, the total value of all outstanding shares.
• 1.86 is the price-to-book ratio, comparing the share price to the company's book value per share.

Recent news

Recent headlines on the BVB include repeated references to management transactions under Article 19 of Regulation (EU) 596/2014, a notification regarding the repurchase of own shares between September 14 and September 18, 2026, and additional management transaction reports under the same regulation.

What to watch

As a regional bank stock, TLV is sensitive to interest rate changes, credit quality in its core markets (Romania, Italy, and Moldova), and macroeconomic conditions affecting corporate and retail lending demand. Investors often compare it with peers such as BRD - Groupe Societe Generale S.A. (BRD) and Erste Group Bank AG (EBS) to understand relative valuation and sector trends. The stock is part of the BET index, which tracks the most liquid companies on the Bucharest Stock Exchange. Regulatory developments in banking, capital requirements, and changes in the financial services landscape in Central and Eastern Europe are also relevant factors.