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.

Experts have expressed mixed sentiments regarding Toronto-Dominion Bank (TD), with many acknowledging its recovery from previous money laundering issues, yet flagging the bank's current high valuation. While TD has shown solid growth in wealth management and capital markets, concerns about overvaluation persist, particularly with a PE ratio significantly above historical norms. Many analysts have suggested trimming positions, taking profits, or being cautious about new investments until a healthy pullback occurs. There are also questions about the bank's future growth trajectory, especially given the caps on its US expansion and the sluggish performance of its core retail banking sector in Canada. Despite these concerns, several experts maintain a positive outlook on the bank's long-term prospects, especially as it adapts to its regulatory environment and focuses on improving its US operations.

Consensus

Overvalued

Valuation

Overvalued

Similar

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%.

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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.

TOP PICK

You get good dividend growth with Canadian banks -- growing 10% per year -- even with rising interest rates. He thinks there is a good tail wind still in place. He likes their US business exposure. Yield 3.6% (Analysts’ price target is $82.93)

TOP PICK

Likes it because it's half US. Still relatively cheap. Earnings growth of 5%, dividend of roughly 4%, gives you a return of 9%. If you get a valuation bump, you could get a possible 12-15% return on this. Not counting on it, but it's possible. Yield is 3.63%. (Analysts’ price target is $82.93)

DON'T BUY

Canadian Banks have recovered. They have a strong US operations. They benefited from the strong US dollar that is not going to persist forever. Canadian banks are more expensive than banks elsewhere. They deserve a premium but not by this degree. And the Canadian economy is showing signs of weakness.

BUY

He loves Canadian banks and TD is his largest holding. Buy one bank and hold onto it for dear life. Forget constant worries about mortgages, housing, etc. The banks keep putting the puck in the net. He expects 8-10% earnings growth and dividend increases this year by them.

WATCH

It is the 9th or 10th largest bank in the US. They are more retail focused in the US. They have a stake in Ameritrade. Earnings coming up should be fairly robust.

TOP PICK

Steady and the best bank in Canada. Yet, it's drastically underperformed peers lately, but should trade at a decent premium to those peers. Dividend growth (with the lowest payout ratio in this sector) is 8%. Their retail franchise will stabilize the dividend and help earnings. Earnings growth last year were double-digits. Any good news will make this stock rally just like in 2016. (Analysts’ price target is $83.93)

PAST TOP PICK

(A Top Pick Dec 14/17, Up 0.4%) His favourite Canadian bank because of its huge investment in the States, which disappointed for a while but has recently picked up.

TOP PICK

His favourite Canadian bank. It held in for a long time during the sell-off, then got hit. TD has great US assets that have and will continue to pay off. (Analysts’ price target is $83.93)

TOP PICK

Canadian Banks didn't do well in 2018. But the multiple contracted dramatically trading below 10x earnings now. Valuation is very attractive. Yield of 3.9%. Good growth in the US. They are still 70% retail. Capital markets (that tends to be more volatile) is only 8% of their revenues. They are deposit based. They can grow their earnings by 6-7% this year. Banks have a target payout ratio of 40 to 50% of earnings. (Analysts’ price target is $83.93)

BUY ON WEAKNESS

Core part of his portfolio. Weak housing in Canada is a risk. Though lower house prices affect the mortgage books of banks, and this will be a headwind, TD isn't a one-trick pony. Good commercial loan book, plus significant business in US in commercial and personal banking. Also nice wealth management business, which is going gangbusters. Below 10x earnings. Buy the dips on Canadian banks.

BUY

His favourite Canadian bank (he owns two). It's basically 50% a US bank. Good retail. Costs are under control. Under 10x earnings, the first time in a long time it's been this cheap. Pays a good dividend. The only worry is if mortgage rates rise too quickly though it's unlikely.

BUY

Buy this or U.S. banks? Likes it for its U.S. expsoure. He prefers MS over TD (he owns both). He'd buy it here. Canadian banks are profit machines. A core holding.

BUY

He's long owned this and likes it. It's big in the U.S. Stick with it. He's not worried. TD increased their dividend by 9% this year and likely 8% next.

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Toronto-Dominion Bank (TD.TO)