Provide traditional banking services including checking, savings, money market, and certificate of deposit accounts. Now — the numbers.
That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.
This is an established company with proven profits.
The market pays 11.8× for every dollar of annual profit — cheap, which is either an opportunity or a warning.
Against companies in its own sector, it looks cheaper than 95% of them.
Analysts' average target sits 9% above today's price.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly above the class average — a step short of the very top.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
This grade is a blend: the profit side is strong, the sales tempo slow.
The price is looking for direction — no strong breakout, no collapse.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
The stock trades 25% below its peak. The market has trimmed its expectations for the company.
The net profit margin is 17% — still a thick cushion, though costs have been eating into it lately.
Over the last 12 months, company executives reported 46 buys and 27 sells. Management buying with its own money is usually read as a good sign.
It pays out $2.08 per share each year — regular cash for whoever holds the stock.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 47/100.
Since the drop from its peak, buyer appetite hasn’t come back.
On our five-subject report card, TFC sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: TFC is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.