Toronto Dominion Bank (The) Common Stock (TD)

FairStock Score: 54/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I view a bank as a leveraged trust business: it earns a spread on deposits and loans, and the real risks are credit and balance-sheet opacity. Toronto-Dominion is a large diversified lender with a $175.2B market cap and 105,005 employees, operating in Canadian personal and commercial banking, U.S. retail, wealth/insurance, and wholesale. The figures supplied show a 12.83% return on equity (a FairStock calculation) and a 2.66% dividend yield. In the latest reported quarter (fiscal Q3 2026), revenue was $16.8B, net income was $4.6B, and margin was 27.51%. The data also list revenue growth of 8.36% and profit growth of 38.34%, though the period is not named in the prompt. At the 2026-10-13 close of $117.95, FairStock calculates 17.50 times earnings, 2.22 times book, and a PEG of 0.46. That is not a Graham-style bargain; it is a fair-to-full price for a good franchise. The Piotroski F-Score is 5/9, middling, and the Lynch category is none because only 0 years of filed results are available and three are needed. I cannot see CET1, net interest margin, or combined ratio in this data, nor credit-loss/provision detail, so I cannot fully judge leverage and underwriting. Beta of 0.87 and the 52-week range of $78.43–$125.47 suggest a steady but not cheap stock. Quality is visible, but the price demands continued execution.

In plain English: Toronto-Dominion Bank is a big bank that takes deposits, makes loans, and sells wealth, insurance and business banking services in Canada, the U.S. and other countries. It looks like a solid business: it earns good profits on shareholder money and its latest quarter was profitable, but the shares are priced high compared with its accounting value and sit near the top of their one-year range. Based on the numbers given, the price looks fair to a bit expensive, not a bargain.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer