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The Toronto-Dominion Bank (TD) is not a strong buy at the moment for a beginner, long-term investor with $50,000-$100,000 to invest. While the stock shows some positive long-term potential and has a strong institutional reputation, the mixed financial performance, neutral trading sentiment, and lack of immediate upward momentum suggest holding off for now. The investor may consider revisiting the stock after the upcoming earnings report on February 26, 2026, for clearer insights.
The technical indicators are mixed. The MACD is positive but contracting, suggesting weakening momentum. The RSI is neutral at 45.118, indicating no clear overbought or oversold conditions. Moving averages are bullish (SMA_5 > SMA_20 > SMA_200), but the stock is trading below the pivot level of 96.058, with key support at 93.793 and resistance at 98.324. Overall, the technical trend does not strongly favor a buy right now.

TD Asset Management won 24 awards at the 2025 FundGrade A+ Awards, showcasing strong institutional performance.
Assets under management for ETFs exceeded $30 billion, indicating growth in investment products.
The company has a peer-leading regulatory capital ratio, providing support for future growth opportunities.
Recent analyst downgrade by CIBC to Neutral with a C$136 price target.
Mixed financial performance in Q4 2025, with revenue up 20.50% YoY but net income and EPS declining by -10.26% and -7.61%, respectively.
Options sentiment suggests bearish expectations in the short term.
In Q4 2025, TD Bank reported a 20.50% YoY increase in revenue to $12.66 billion. However, net income dropped by -10.26% YoY to $3.09 billion, and EPS declined by -7.61% YoY to 1.82. This mixed performance highlights strong revenue growth but weakening profitability.
Analyst sentiment is mixed. Recent ratings include a downgrade to Neutral by CIBC with a C$136 price target and a Sector Perform rating from Scotiabank with a C$132 price target. Earlier upgrades and price target increases suggest some optimism, but the recent downgrade reflects caution.