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

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Toronto-Dominion Bank (TD.TO)

170.90

+1.61 (0.95%)

as of Jun 25, 2026, 8:00:00 pm Market Open.

2225 watching

Investor Insights

Jun 25, 2026, 12:00 am

This summary was created by AI, based on 61 opinions in the last 12 months.

Toronto-Dominion Bank (TD) has seen a significant recovery from its recent challenges, notably the money laundering scandal, with many experts noting its potential for growth in the long term, especially within the Canadian economy. However, the consensus among analysts indicates that the stock is currently trading at historically high P/E ratios, raising concerns about its valuation and suggesting that it may be overvalued by approximately 5% or more compared to past norms. While some believe TD's impressive earnings growth and its strategic positioning in the U.S. market could still lead to positive outcomes, there are warnings about the high valuations and the possibility of a market correction. Analysts seem divided on whether to hold or to trim positions at this point, with a predominant view favoring a cautious approach. Overall, TD remains a strong brand within the Canadian banking sector, but its recent performance raises questions about future growth sustainability amid high valuations.

Consensus

Overvalued

Valuation

Overvalued

Similar

BMO

COMMENT

Canadian consumer debt close to an all-time high. Haven't seen the big housing downturn. Mortgages are huge business for them. If we see sustained housing decline, it will have a negative impact. Would take something major for any Canadian bank to take a hit to earnings. A major bank has never decreased its dividend, and you're not going to see it anytime soon.

HOLD

Historically it has been the best performing. They will have issues going forward in auto loans. Not a lot exposed to investment banking.

PAST TOP PICK

(A Top Pick May 25/18, Up 2%) TD is the best of the big 5 banks. It's been a tough environment for the whole group. He likes this for the US exposure.

BUY

The cons: They missed trading revenue and their wholesale statement in their latest report, though all Canadian banks did. The pros: Only 8% of their business mix is wholesale; trading is 5% of that; both those headwinds are now tailwinds. Most importantly Canadian P&C was up 9%, which is a key metric. They bumped their dividend 10%. TD's balance sheet is probably the best of this group. He see 6% EPS growth.

TOP PICK

Yielding close to 4%. Exposure to US and Canada. Safe place to park capital. Growth of close to 10% every year plus 4% dividend. (Analysts’ price target is $82.29)

PAST TOP PICK

(A Top Pick Apr 20/18, Up 10%) He likes the US exposure. Pays over 4% yield. It won't double in the coming year, but he expects 5-6% capital appreciation. He's happy to stick with it. A good entry point now.

PAST TOP PICK

(A Top Pick Mar 07/18, Up 3%) Doing okay like all the Canadian banks. He likes TD's recent 10% dividend increase. It surprised last quarter being on the downside, because their capital markets were a lot worse than the other banks'. Still likes it.

BUY

TD-T vs. CM-T. The banks this year should have an up year. He prefers TD-T. CM-T has the most exposure to Canada. They are going to do US acquisitions but those they buy will be at much higher multiples than CM-T trades at now so it will be dilutive.

PAST TOP PICK

(A Top Pick Feb 22/18, Up 9%) He's happy with this. They report in two days. He likes TD's strong Canadian banking franchise as well as their US operations. $1.71 EPS is the street's expectation which would be 10% YOY growth and would lead its sector. TD is among the top three Canadian banks, best of breed.

BUY ON WEAKNESS

He's bullish Canadian financials, especially in Q4 2018. TD has moved up a lot in recent weeks, so this could pull back a bit. Definitely buy Canadian banks on weakness this year. He's not worried about mortage levels.

PAST TOP PICK

(A Top Pick Jan 31/18, Up 6%) It is part of the Canadian banking oligopoly. It will remain a key holding.

PAST TOP PICK

(A Top Pick Aug 21/18, Down 1%) The banks suffered late last year. He is happy with this result considering what the banks did. It is at a key resistance level right now. The chart looks fantastic. However earnings reporting season is just flipping coins for technical analysts. You should always be just market weight before an earnings report.

PAST TOP PICK

(A Top Pick Feb 23/18, Up 7%) For Q4 ROE was 16.9% earnings up 20%. Capital ratios very high. Trades at a modest premium but still very cheap 10.1 times 2020 earnings. If you have it you can still add here.

PAST TOP PICK

(A Top Pick Feb 13/18, Up 9%) TD still looks attractively valued with metrics trading below 10 year averages. She expects another 9-10% increase in the dividend and the payout ratio remains around 50%.

COMMENT

Since December, it's been in seasonality (until March 1). All the Canadian financials rise until the earnings reports at end-February. TD's 200-day moving average is flatlining, and maybe forming lower lows. He's not excited by this.

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Toronto-Dominion Bank (TD.TO)