The company owes $4.85 billion in TARP money, and CEO Jim Wells expressed confidence during the company's third-quarter conference call that SunTrust was "well positioned to repay TARP" and that it would "repay at the appropriate time and in a fashion that makes the most sense from both our shareholder and regulatory perspectives." SunTrust is one of the 19 holding companies the Federal Reserve is requiring to submit capital plans including stress tests, by January 7. SunTrust's Tier 1 leverage ratio was 11.03% and its total risk-based capital ratio was 16.42% as of September 30. The tangible common equity ratio was 7.10% according to SNL Financial. Stock Ratios The shares trade just above book value according to SNL and for 10.5 times the consensus 2012 earnings estimate of $2.30 a share. Analyst Ratings Out of 29 analysts covering SunTrust, six rate the shares a buy, 19 have hold ratings and four analysts recommend investors sell the shares. 4.