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TFC is not a good buy right now for an impatient buyer. The chart is bullish, but price is sitting right at/near first resistance (R1 51.41) with RSI elevated (not oversold), while multiple “smart money” signals are net negative (hedge funds selling sharply, insiders selling, and Congress net sellers). Without an Intellectia buy signal to override these factors, the risk/reward favors waiting for either a pullback toward support (49.94 pivot / ~48.47 S1) or a clean breakout above ~52.31 (R2).
Trend/structure: Bullish moving-average stack (SMA_5 > SMA_20 > SMA_200) indicates an ongoing uptrend. Momentum: MACD histogram is positive (0.0338) and expanding, confirming upside momentum; RSI_6 ~65.84 is strong but not oversold—more consistent with “near-term stretched” than “discount entry.” Levels: Pivot ~49.94 is the key line to hold; immediate resistance is R1 ~51.41 (current area), then R2 ~52.31. Because price is pressing resistance rather than bouncing from support, the setup is less attractive for an impatient entry.
Intellectia Proprietary Trading Signals

supports income appeal and signals capital return continuity.
rather than near support; probabilistic pattern model flags downside drift over the next week/month (data suggests higher odds of modest declines).
Latest quarter: 2025/Q4. Growth: Revenue $5.074B (+3.11% YoY), Net Income $1.289B (+6.00% YoY), EPS $1.00 (+8.70% YoY). Takeaway: Modest but improving growth profile (EPS outpacing revenue), consistent with the “multi-year improvement” narrative from bullish analysts; not an explosive acceleration that would typically justify chasing at resistance given the selling signals.
Recent trend: Net positive. Multiple firms upgraded/raised targets (HSBC upgrade to Buy; Evercore upgrade to Outperform) and many raised price targets post-Q4 beat (Argus to $58, TD Cowen to $60, Goldman to $58, Raymond James to $56, Citi to $63). One notable counterpoint is Barclays’ downgrade to Underweight despite a higher target, highlighting peer-lag concerns. Wall Street pros: Improving fundamentals (NII trajectory, operating leverage, buybacks, credit quality) and potential double-digit EPS growth/ROE expansion. Wall Street cons: Risk of lagging peers and credit risk as the key wildcard; mixed views prevent a unanimous “chase here” call.