Toronto-Dominion Bank (TD.TO) Buy, Sell or Hold

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Toronto-Dominion Bank (TD.TO)

167.11

+1.24 (0.75%)

as of Aug 27, 2026, 6:37:54 pm Market Open.

2222 watching

Investor Insights

Aug 27, 2026, 12:00 am

This summary was created by AI, based on 52 opinions in the last 12 months.

Expert opinions on Toronto-Dominion Bank (TD) show a mixture of optimism and caution. Many analysts acknowledge the bank's significant recovery from previous scandals and commend its growth prospects, particularly in capital markets and wealth management. However, there is a widespread concern regarding its high valuation relative to historical averages, with some citing it as overvalued by approximately 5%. Competition in the banking sector is increasing, and while the Canadian economy remains stable, several experts suggest trimming positions or taking profits while considering the potential for future growth. The outlook for TD is generally positive, but many recommend caution due to its premium valuation and the regulatory challenges it faces in the US market.

Consensus

Caution

Valuation

Overvalued

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It's a Monthly Gems opinion which is available only for Stockchase Premium

Curated by Allan Tong since 2019.
99+ opinions with 4.15 rating.

TOP PICK

Given their oligopoly, Canadian banks march in line, but TD (along with Royal Bank) remain the favourite of Canadian investors. The big reason is TD's large business in the States. It's 11.2x PE is also lower than the industry average of 12.6x. That said, expectations for TD as interest rates aren't expecting to leap anytime soon and will be lucky to rise 25 basis points in 2021.

HOLD

Canadian banks are under huge pressure with rates so low. Possible that rates go negative next year, and that's a tax on fixed income. One of Canada's strongest banks, along with Royal. They'll figure out a way to make money, no matter what the environment.

BUY

Canadian banks are still safe places to park your money. Cyclical area that's well positioned to benefit post-pandemic. Post-pandemic, loan provisions will fall, higher credit card use, more consumer spending. Good long-term. Keep an eye on disruptive fintech.

STRONG BUY

Huge fan. One of the best franchises, here and in the US. Trades at 11x earnings, not expensive. Well capitalized to cover Covid loan losses. Canada's regulatory system protects banks, unlike the US. Will see some depressed margins because of low interest rates, but diversified businesses help them make up revenue growth.

TOP PICK

She likes the Canadian banks. This is a core holding. They have one of the strongest capital bases out there. As the economy recovers this will be beneficial for the credit environment. Next year they will be allowed to increase dividends and buy back shares. (Analysts’ price target is $75.09)

DON'T BUY

The big risk for financials is if governments do not borrow enough. The banks are at these levels due to support from government. It has only risen above $70 a couple times in the past and it looks to be unsustainable. He would be cautious on banks.

BUY

About the best performing Canadian bank. Good, strong exposure to the US. Banks do well when yield curves steepen and they participate in the economic cycle. Very comfortable buying it here.

HOLD

Fears of future debt by governments The banks in North America have been market laggards, waiting for a recovery in the economy and the yield curve. TD is now bigger in the US than Canada, but he prefers owning a US bank directly. But TD is fabulously run. No reason to sell this.

BUY

Tough year for the banks. Q4 will be released in a few weeks, and you never know what you're going to get. Brighter days are ahead, and the market's already figured that out. BMO is not his favourite. Prefers National, TD, Royal. You'll do fine with the Canadian banks. Some concerns around fintech. Low interest rates will be a problem, but offset by recovering economy. Good time to add for dividend seekers.

BUY ON WEAKNESS

Likes the group as a whole. Level of loss provisions has peaked. US economy has improved faster than thought, a good sign. In Canada, financial assistance has helped on the mortgage side. Watch as mortgage moratorium ends. Yields are attractive, but not allowed to increase this year. Attractive valuation. Hold, and buy on weak days like today.

BUY

Beaten up, value play. Trade around your favourites with the banks. Low US margins have punished TD. Steepening yield curve in the States, and looking to continue, need to start re-rating TD. Great story, dividend, and valuation. Probably can't go wrong buying at these levels.

HOLD

Going forward, Canadian banks will face low interest rates for quite some time, as well as a struggling economy. Government won't allow mass credit losses. Banks will muddle along, you get your dividend. TD is his first choice of the Canadian banks.

PAST TOP PICK

(A Top Pick Nov 18/19, Down 18%) Decent job through the pandemic, conservative on credit losses. Cheap valuation, good dividend with growth. Still buying it as a good long-term hold.

HOLD

Bad news is outside margin pressure in US. Dividend is great, not going away. Terrific balance sheet. Earnings were in line last quarter. Pretty good valuation. Expensive relative to its peers, but exceptionally well run. We're at the bottom of the cycle. Concern is credit. With a better economy, should do very well.

HOLD

A great company. In general, Canadian banks have done a good job reserving for loan losses. The yield is quite high. There are worse names to own. It is a high quality holding that is being extra conservative. Income payments are positive.

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Toronto-Dominion Bank (TD.TO)

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