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

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Toronto-Dominion Bank (TD.TO)

175.27

+2.46 (1.42%)

as of Jul 15, 2026, 8:00:00 pm Market Open.

2223 watching

Investor Insights

Jul 15, 2026, 12:00 am

This summary was created by AI, based on 58 opinions in the last 12 months.

Toronto-Dominion Bank (TD) has experienced substantial growth in recent years, particularly following recovery from previous money-laundering penalties. While the bank's wealth management and capital market segments remain strong and retail operations are relatively stable, many experts caution that current valuations are high, trading at approximately 16x PE against historical averages of around 13x PE. There is a sentiment that TD is overvalued by about 5%, with calls to trim positions or take profits after a significant run-up. Additionally, despite robust record earnings in recent quarters, concerns linger regarding growth potential in the U.S. due to imposed asset caps, leading some analysts to recommend a wait-and-see approach before re-entering the stock. Overall, investor sentiment is mixed—while some maintain long-term confidence in TD's dividend growth potential, others see risk in the high valuation and lack of future growth drivers.

Consensus

Overvalued

Valuation

Overvalued

Similar

HOLD

Of all the Canadian banks this was the laggard, based on price return. It is priced a little on the rich side. The yield is about 4%, making it attractive. He does not hold a large position, but would suggest others at these valuation levels (both trading on book value and yield).

COMMENT

CDN Bank shares or ETF? As a porfolio manager, he prefers to use his expertise to pick individual stocks. An ETF gives you the group and no ability to outperform. Canadian banks are favorable over US counterparts he thinks, including the higher yield. He likes BNS and RY. He does not hold much in TD at the moment. He holds about 20% of his portfolio in banks.

TOP PICK

True, the Canadian banks haven't done well, but TD trades at 1.6x book, pays a 4% dividend yield, and trades at 10.6x earnings. There won't be much topline growth, but more bottom line due to cost savings. Volatility over loan losses should calm. TD sold off TD Ameritrade. They can expand in the US even more, already a great franchise there, and increase returns. The bad news is already in the bank stocks. (Analysts’ price target is $79.00)

PAST TOP PICK

(A Top Pick Jan 15/19, Up 9%) It was a bit disappointing in a year when the market did over 20%. It under-performed and is due for a reversion. The yield will be at the 4.5% area after the upcoming dividend increase. There is potential for them to do well in this environment.

TOP PICK

It had a rare miss in Q4 on earnings. He has the most confidence of any Canadian bank that they will be able to recover. Over 50% of their business is in the US retail space. He expects a dividend increase as early as February. He thinks it should be trading about $80 next year. Yield 4.05% (Analysts’ price target is $79.00)

HOLD

It has been the best of the Canadian banks over 20 years. Banks are faced with the fact that they make money on the spread between lending and borrowing. That has been squeezed substantially. The entire banking industry has been facing that globally. The Canadian banks are incredibly strong but he thinks they will under-perform in the next 12 months. If you have held it for a number of years there is no reason to sell it.

PARTIAL BUY

Last quarter's bank earnings were weak. Loan loss provisions are starting to rise and are not offset by loans and mortgages. That's across the bank sector. The BOC is stuck: it can't raise or cut rates. TD is up 8% this year and trading at 11x earnings. Yields near 4% as it continues to grow at 10%. Buy a half position only, then see what happens in the next quarter.

BUY

He likes the Canadian banks and TD is one of the best. You could buy any of the Canadian banks. Declining interest rates has hurt the banks but the interest rates have very little downside from here.

BUY ON WEAKNESS

Major support is at $70, so buy at this level. He predicts a market pullback in January. Canadian banks are historically strong, and TD has a long-term uptrend. TD may fall below $70 to $65, but $70 is a buy.

PAST TOP PICK

(A Top Pick Jan 11/19, Up 11%) He’s neutral on the banks at the moment. He wants to see how the economy sets out. Retail sales and unemployment numbers weren’t good. He would rather buy Scotia, mainly because they are outside of Canada. He would wait on the banks.

BUY

A dividend-paying stock Strong U.S. presence and pays a 4.1% dividend yield. The Canadian banks just reported a rough quarter; there are worries over high consumer debt, shrinking margins and bad loans. But long run they great ROEs. TD trades at 10.6x earnings and an ROE around 14x. Banks are good to own long term and can weather these issues.

COMMENT

BNS or TD? He prefers BNS over TD. TD is more of a play on the US and he wants a bank with the least exposure in Canada.

BUY

Better than Royal Bank? Recent bank weakness is due to Canadian debt levels and a tick-up in non-performing loans. But these banks are very well-capitalized and Canada is a growing place due to immigration. He likes the banks as a group, and investors will earn a decent return as long as they can deal with an earnings downdraft if the economy pulls back in the future.

HOLD

A solid bank, but he's cautious about the whole sector. TD leads this sector and is a safe bet. Capital markets are fine, though organic growth rate will slow. They need to continue investing in technology. The dividend is safe and will continue to rise in coming years. Hold TD for the long term, but profits will come under pressure for this sector in coming years, given high consumer debt. TD has done very well in the States, growing faster than American peers.

BUY

Time to buy? She would buy here on the pullback. An attractive yield. Their loan provisions are increasing to 0.5%, on the higher end of the Canadian banks. Nothing to worry about. She likes their US banking operations. Earnings will continue to grow, along with dividends, albeit at slightly slower rates, she thinks.

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Toronto-Dominion Bank (TD.TO)