TravelCenters of America LLC SR NT (TANNL)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
TravelCenters of America LLC SR NT (TANNL) trades at $25.01 with AI Score 51/100 (Grade B). TravelCenters of America LLC SR NT is a financial services company operating as a subsidiary of Bank of America Corporation. Market cap: $989.30M, Sector: Financial services.
Price live · AI analysis from Mar 16, 2026Analyst Coverage for TANNL: TANNL does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates TANNL against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
TANNL: 3/7 perspectives are bearish. Dominant signal: Ken Griffin bearish.
How is this calculated? →TravelCenters of America LLC SR NT (TANNL) Financial Services Profile
TravelCenters of America LLC SR NT, a subsidiary of Bank of America, provides comprehensive banking and financial services globally. Operating across Consumer Banking, GWIM, Global Banking, and Global Markets, it serves individuals, businesses, institutions, and governments with diverse financial solutions, maintaining a P/E ratio of 7.55 and a profit margin of 1.5%.
What Is the Investment Thesis for TANNL?
TravelCenters of America LLC SR NT, as a part of Bank of America, presents a stable investment profile within the financial services sector. Its diverse revenue streams across four segments—Consumer Banking, GWIM, Global Banking, and Global Markets—mitigate risk. With a P/E ratio of 7.55, the company appears reasonably valued. Key value drivers include sustained growth in its loan portfolio and fee income from wealth management and investment banking activities. Ongoing catalysts include continued expansion in emerging markets and technological advancements in digital banking, enhancing customer experience and operational efficiency. However, potential risks involve regulatory changes, interest rate volatility, and increased competition from fintech companies. Monitoring the company's ability to maintain its 1.5% profit margin and adapt to evolving market conditions is crucial.
Based on FMP financials and quantitative analysis
TANNL Key Highlights
- Market Cap of $989.30M indicates the size and scale of TravelCenters of America LLC SR NT's operations within the financial services sector.
- P/E Ratio of 7.55 suggests a potentially undervalued investment relative to its earnings.
- Profit Margin of 1.5% reflects the company's efficiency in generating profit from its revenue.
- Gross Margin of 17.2% indicates the profitability of the company's core banking and financial services.
- No Dividend Yield may deter income-focused investors, but could indicate reinvestment into growth opportunities.
Who Are TANNL's Competitors?
TANNL is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BRKL Brookline Bancorp, Inc. | $10.95 | -0.64% | $975.70M | 50 |
| FBMS The First Bancshares, Inc. | $33.81 | +0.48% | $1.06B | 52 |
| HTLF Heartland Financial USA, Inc. | $64.67 | -2.16% | $2.77B | 46 |
| LBAI Lakeland Bancorp, Inc. | $13.43 | +1.13% | $875.02M | 48 |
| NIC Nicolet Bankshares, Inc. | $167.08 | +0.22% | $2.63B | 75 |
| ACGBF Agricultural Bank of China Limited | $0.64 | +4.20% | $225.47B | 68 |
| BCLYF Barclays PLC | $7.20 | +3.45% | $97.17B | 67 |
| BNS The Bank of Nova Scotia (BNS) | $86.79 | +1.63% | $106.41B | 67 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are TANNL's Key Strengths?
- Diversified revenue streams across multiple business segments.
- Strong brand recognition and customer loyalty.
- Extensive branch network and digital banking capabilities.
- Robust risk management and compliance framework.
What Are TANNL's Weaknesses?
- Relatively low profit margin compared to peers.
- Exposure to regulatory scrutiny and compliance costs.
- Dependence on interest rate environment.
- Potential for credit losses in economic downturns.
What Could Drive TANNL Stock Higher?
- Expansion of digital banking platform to attract younger customers.
- Strategic partnerships with fintech companies to enhance technological capabilities.
- Growth in wealth management services targeting high-net-worth individuals.
- Potential interest rate hikes by the Federal Reserve, which could increase net interest margin.
- Launch of new sustainable finance products to attract ESG-focused investors.
What Are the Key Risks for TANNL?
- Financial-distress signal — its Altman Z-Score of 0.16 sits in the distress zone (elevated bankruptcy risk).
- Increased competition from fintech companies disrupting traditional banking services.
- Regulatory changes and compliance costs impacting profitability.
- Economic downturns leading to increased credit losses.
- Cybersecurity threats and data breaches compromising customer data.
- Interest rate volatility affecting net interest income.
What Are the Growth Opportunities for TANNL?
- Expansion in Digital Banking: TravelCenters of America LLC SR NT has an opportunity to further expand its digital banking platform, targeting the growing segment of tech-savvy customers. The global digital banking market is projected to reach $10.27 trillion by 2029, growing at a CAGR of 9.5%. By enhancing its mobile banking app and online services, the company can attract new customers, reduce operational costs, and improve customer satisfaction. This initiative can be implemented over the next 2-3 years.
- Growth in Wealth Management Services: The Global Wealth & Investment Management (GWIM) segment can be a significant growth driver. The global wealth management market is expected to reach $43.9 trillion by 2024. By offering personalized investment advice, retirement planning, and estate planning services, TravelCenters of America LLC SR NT can attract high-net-worth individuals and families. This strategy can be executed within the next 1-2 years.
- Strategic Partnerships: Forming strategic partnerships with fintech companies can enhance TravelCenters of America LLC SR NT's technological capabilities and expand its service offerings. Collaborating with companies specializing in areas like blockchain, AI, and cybersecurity can provide a competitive edge. These partnerships can be established within the next year, leading to innovative solutions and improved customer experiences.
- Penetration into Emerging Markets: Expanding into emerging markets presents a significant growth opportunity. These markets often have a large unbanked population and a growing middle class, creating a demand for financial services. By establishing a presence in these regions, TravelCenters of America LLC SR NT can tap into new revenue streams and diversify its geographic footprint. This expansion can be phased in over the next 3-5 years.
- Focus on Sustainable Finance: With increasing investor interest in environmental, social, and governance (ESG) factors, TravelCenters of America LLC SR NT can capitalize on the growing demand for sustainable finance products. By offering green bonds, impact investments, and ESG-focused funds, the company can attract socially responsible investors and enhance its reputation. This initiative can be integrated into its existing product offerings within the next year.
What Opportunities Does TANNL Have?
- Expansion in digital banking and fintech partnerships.
- Growth in wealth management and investment services.
- Penetration into emerging markets.
- Increased focus on sustainable finance and ESG investing.
What Threats Does TANNL Face?
- Increased competition from fintech companies.
- Regulatory changes and compliance requirements.
- Economic downturns and credit risk.
- Cybersecurity threats and data breaches.
What Are TANNL's Competitive Advantages?
- Established brand reputation and customer trust.
- Extensive branch network and digital banking platform.
- Diverse range of financial products and services.
- Strong risk management and regulatory compliance.
What Does TANNL Do?
TravelCenters of America LLC SR NT operates as a subsidiary of Bank of America Corporation, a multinational financial services giant founded in 1784 and headquartered in Charlotte, North Carolina. The company offers a broad spectrum of banking and financial products and services, catering to individual consumers, small and middle-market businesses, institutional investors, large corporations, and governments worldwide. Its operations are divided into four key segments: Consumer Banking, Global Wealth & Investment Management (GWIM), Global Banking, and Global Markets. The Consumer Banking segment provides traditional banking services such as savings and checking accounts, certificates of deposit, IRAs, and investment products. It also offers credit and debit cards, residential mortgages, home equity loans, and various direct and indirect loans, including automotive, recreational vehicle, and consumer personal loans. The GWIM segment focuses on investment management, brokerage, banking, and trust and retirement products and services, offering wealth management solutions and customized asset management services. The Global Banking segment provides lending products and services, including commercial loans, leases, commitment facilities, trade finance, and commercial real estate and asset-based lending. It also offers treasury solutions, working capital management, debt and equity underwriting, and advisory services. The Global Markets segment provides market-making, financing, securities clearing, settlement, and custody services, along with securities and derivative products, and risk management solutions using various financial instruments.
What Products and Services Does TANNL Offer?
- Provides traditional savings and checking accounts.
- Offers credit and debit cards to consumers.
- Originates residential mortgages and home equity loans.
- Provides commercial loans, leases, and trade finance.
- Offers wealth management and investment advisory services.
- Provides market-making and securities clearing services.
- Offers risk management products using derivatives.
How Does TANNL Make Money?
- Generates revenue through interest income from loans.
- Earns fees from wealth management and investment banking services.
- Profits from trading activities in global markets.
- Collects service charges and fees from deposit accounts.
What Industry Does TANNL Operate In?
TravelCenters of America LLC SR NT operates within the diversified banks industry, a segment characterized by intense competition and evolving regulatory landscapes. The industry is currently experiencing a shift towards digital banking solutions and increased demand for personalized financial services. Competitors like BRKL (Brookline Bancorp, Inc.), FBMS (First Bancshares, Inc.), HTLF (Heartland Financial USA, Inc.), LBAI (Lakeland Bancorp, Inc.), and NIC (Nicolet Bankshares, Inc.) are vying for market share. The company's success depends on its ability to adapt to these trends and maintain a competitive edge through innovation and customer-centric strategies.
Who Are TANNL's Key Customers?
- Individual consumers seeking banking and credit services.
- Small and middle-market businesses requiring loans and treasury solutions.
- Institutional investors seeking investment management services.
- Large corporations needing global banking and capital markets solutions.
How TravelCenters of America LLC SR NT Is Valued
TravelCenters of America LLC SR NT carries a market capitalization of $989.30M, placing it in the small-cap category. Relative to its peer group, TANNL's quantitative score of 51/100 is roughly in line with the peer average of 54/100.
Company Profile
TravelCenters of America LLC SR NT operates in the Banks - Diversified industry within the Financial Services sector. The company is led by CEO None. TANNL has traded publicly since 2014.
ROE 21%Key Financial Metrics
Return on equity for TravelCenters of America LLC SR NT stands at 20.8%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 4.5%, showing how much profit it generates from its asset base. TANNL trades at a trailing price-to-earnings ratio of 7.55, below the Financial Services sector average of ~18x. Its free cash flow yield is -0.2%, a gauge of the cash the business throws off relative to its market value. A current ratio of 1.61 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 13.3%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 6/9Financial Health
TravelCenters of America LLC SR NT's Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.16 places it in the distress zone, a signal of elevated financial risk.
TANNL Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future prospects, indicating that those closest to the business see value.
- Community sentiment has shifted positively, with discussions around expansion plans and increased travel demand boosting optimism.
- Market perception is improving as the company adapts to changing consumer habits, enhancing their service offerings.
- Strong social media engagement highlights a growing interest in the brand, reflecting a potential for increased customer loyalty.
Bear Case
- Concerns about rising operational costs are prevalent, which could impact profitability and overall performance.
- Community discussions reveal skepticism regarding the sustainability of recent growth, with some questioning long-term strategies.
- Insider selling activity has raised red flags, leading to speculation about potential challenges ahead for the company.
- Market perception remains cautious as competitors are also ramping up their services, creating a more crowded landscape.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
TANNL Latest News
No recent news available for TANNL.
TANNL Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for TANNL.
Price Targets
Wall Street price target analysis for TANNL.
TANNL MoonshotScore
What does this score mean?
The MoonshotScore rates TANNL's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: None
CEO title
Unknown
Track Record: Unknown
TravelCenters of America LLC SR NT Financial Services Stock: Key Questions Answered
What does TravelCenters of America LLC SR NT do?
TravelCenters of America LLC SR NT, as a subsidiary of Bank of America, provides a comprehensive suite of financial services to a diverse global clientele. Its operations span four key segments: Consumer Banking, offering traditional banking products and loans; Global Wealth & Investment Management (GWIM), providing investment and wealth management services; Global Banking, offering lending and treasury solutions; and Global Markets, providing market-making and risk management services. This diversified approach allows it to serve individuals, businesses, institutions, and governments worldwide.
What are the main risks for TANNL?
TravelCenters of America LLC SR NT faces several key risks inherent to the financial services industry. Increased competition from fintech companies poses a threat to its market share and profitability. Regulatory changes and compliance costs can impact its financial performance. Economic downturns could lead to increased credit losses and reduced demand for its services. Cybersecurity threats and data breaches remain a persistent concern, potentially damaging its reputation and financial stability. Interest rate volatility can also affect its net interest income.
What is TravelCenters of America LLC SR NT's credit quality and risk management approach?
Assessing TravelCenters of America LLC SR NT's credit quality involves examining the strength and diversity of Bank of America's loan portfolio, which includes commercial, residential, and consumer loans. Key indicators include the level of non-performing assets, loan loss reserves, and the overall creditworthiness of borrowers. The company's risk management approach incorporates various strategies to mitigate credit, market, and operational risks, including stress testing, diversification, and adherence to regulatory guidelines. Monitoring these factors is crucial for evaluating the company's financial stability and resilience.
How does TravelCenters of America LLC SR NT make money in financial services?
TravelCenters of America LLC SR NT generates revenue through a variety of channels within the financial services sector. A significant portion of its income comes from the net interest margin, the difference between the interest earned on loans and the interest paid on deposits. Additionally, the company earns fees from wealth management services, investment banking activities, and transaction processing. Trading activities in the global markets segment also contribute to its revenue. Service charges and fees from deposit accounts provide another source of income, diversifying its revenue streams.
What are the key factors to evaluate for TANNL?
TravelCenters of America LLC SR NT (TANNL) holds an AI score of 51/100 (moderate). Not financial advice.
How frequently does TANNL data refresh on this page?
TANNL prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven TANNL's recent stock price performance?
TravelCenters of America LLC SR NT (TANNL) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Diversified revenue streams across multiple business segments. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider TANNL overvalued or undervalued right now?
Valuing TravelCenters of America LLC SR NT (TANNL) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- AI analysis pending for TANNL, limiting comprehensive insights.
- Financial data based on available information for Bank of America, as TANNL is a subsidiary.