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TDTD

The Toronto-Dominion Bank

Rising onWhy it's trendingX mentions rising faster than the marketBullish-leaning chatter
$TD·$205B·Banks - Diversified·Financial Services
$121.63-1.4%YTD+26.5%1Y+62.8%
Mentions · last 7 days
2026-08-28: 5 posts2026-08-29: 1 posts2026-08-30: 1 posts2026-08-31: 9 posts2026-09-01: 4 posts2026-09-02: 10 posts2026-09-03: 4 posts34+11%
Price updated 10h ago·X counts updated 1d ago
TDTD
$TDThe Toronto-Dominion Bank
$121.63-1.36%34 posts+11%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Top X posts

Today's AI verdict on what's driving $TD, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersAcceleratingAI verdict · as of 2026-09-04

The move is getting stronger, with heavier trading behind it.

Q3 blow-out beat with Wholesale Banking profit +87% YoY drives Canadian big-6 back to 52w highs; TD leads the pack

Toronto-Dominion is compounding its way out of the 2024 US regulatory overhang. Q3 fiscal 2026 (Aug 27) delivered adj EPS C$2.77 vs C$2.45 est (+13%), adj revenue C$16.93B vs C$15.17B est (+12%), net income C$4.62B.

  • Wholesale Banking segment profit +87% YoY, US Banking +12% YoY - both engines firing simultaneously
  • AI monetization update: $141M in AI-driven value delivered ahead of schedule; TD also participated in Project Agora tokenized-payments proof-of-concept per BIS
  • Fundamentals: PE 20.4, PS 2.54, ROE 11.9%, gross margin 53%, FCF yield 4.5% - reasonable multiple on a Canadian systemically-important bank
  • July issued senior medium-term notes Series F under bail-inable framework - routine capital structure work
  • Stock at $123.31, +26% YTD, +65% t12m, position in 52w range 0.96 (basically at high), 50d MA +2%, 200d MA +18%
  • Beta 0.87 offers defensive characteristics; RY and BNS also up 50%+ near ATH

Diversified Canadian bank delivering broad-based beats with a benign multiple; the entry timing gets harder at a 52w high but the operating story is straight up.

Agrees with X sentimentX is uniformly bullish on the Q3 blow-out and Canadian bank ATH move; verdict agrees on the business trajectory.

What to watch: Q4 fiscal 2026 print Dec 3 (est EPS C$1.83) - watch for whether Wholesale Banking sustains the +87% pace or reverts; any US Banking regulatory-cost updates matter.

On the calendar: 2026-12-03 Q4 earnings

X sentiment

What the X crowd is saying right now — descriptive, summarised from the day’s posts.

Bullish sentiment8 posts analyzed · as of 2026-09-03

TD Bank crushed Q3 with adj EPS C$2.77 vs C$2.45 est (+13.1%), adj revenue C$16.93B vs C$15.17B est (+11.6%), net income C$4.62B. Wholesale Banking profit +87% YoY. US Banking +12% YoY. Canadian banks TD/RY/BNS all up 50%+ near ATHs. Bulls uniformly bullish.

Read the AI verdict + X sentiment for $TD

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • X crowd read with bullish/bearish call + post volume
Free, forever. No credit card.

What it does

Plain-English summary of the business — what they sell and how they make money.

Canada's second-largest bank with major retail banking franchises across Canada and the U.S. eastern seaboard.

Industry overviewAI analysisGenerated by AI from underlying data

Where Banks - Diversified sits in its cycle right now — and what that implies for $TD.

Banks - Diversified · Financial Services

Net interest margin is the primary earnings lever; the rate curve shape determines the spread between deposit costs and loan yields. Credit quality in commercial real estate remains the headline risk — office exposure is the most closely watched segment.

What this means for $TD

Partial — insurance earnings follow combined ratio and investment income dynamics, partially correlated to industry macro; The Toronto-Dominion Bank, along with its affiliated entities, delivers a compre.

Top industry ETF

$KBESPDR S&P Bank ETF
+17.4%YTD
+12.5%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
20.4How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
1.6%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
16.4%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
4.5%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
2.5Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
11.9%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
53.0%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
5.6Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Aug 27, 2026$1.98$1.74+13.8%
Q1 2026May 28, 2026$1.74$1.63+6.7%
Q4 2025Feb 26, 2026$1.76$1.63+8.0%
Q3 2025Dec 4, 2025$1.57$1.46+7.5%
Next earningsThu, Dec 3·consensus EPS $1.83

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q2 FY26$27.0B-5.1%55.2%18.6%$2.43$10.2B
Q1 FY26$28.1B-5.9%53.9%18.4%$2.35$35.1B
Q4 FY25$28.8B-5.9%51.8%14.3%$1.80$-10.1B
Q3 FY25$28.7B-5.4%50.6%14.8%$1.89$-22.3B

Forward consensus

4-year forecast · up to 2 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$59.7B$59.6B – $59.7B$9.68$9.48 – $9.812
FY27$62.5B$62.4B – $62.5B$10.74$10.63 – $10.852
FY28$77.4B$77.4B – $77.5B$12.04$12.03 – $12.051
FY29$162.4B$162.3B – $162.5B$10.99$10.98 – $11.001

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.5×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.93%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+0.7%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+16.3%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatMega float · 1.6B shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today0.1% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β0.875-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.FilingActive offeringA shelf registration (S-3 / S-3ASR / S-1) or prospectus supplement (424B*) was filed in the last 90 days — the company is registered to (or actively) issuing new shares. Dilution risk.

SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

424B5Prospectus supplement (offering)Jul 21424B5
AI summary

The Toronto-Dominion Bank filed a preliminary 424B5 pricing supplement for fixed-rate Senior Medium-Term Notes, Series F, with the coupon rate, maturity date, and total offering size all left blank pending final pricing. The notes are unsecured, not FDIC-insured, and bail-inable under Canada's CDIC Act (subject to conversion into TD common shares if regulators invoke the bail-in regime); they are callable at TD's option and offered in minimum $2,000 denominations. Final economic terms will be disclosed when the supplement is completed.

424B5Prospectus supplement (offering)Jul 21424B5
AI summary

The Toronto-Dominion Bank filed a preliminary 424B5 pricing supplement for Floating Rate Senior Medium-Term Notes, Series F, with the SOFR margin, maturity date, and total offering size all left blank pending final pricing. Interest is paid quarterly at Compounded SOFR plus a margin; unlike the companion fixed-rate tranche, these notes are not redeemable at TD's option (only for tax reasons). The notes are unsecured, not FDIC-insured, and bail-inable under Canada's CDIC Act; minimum denomination is $2,000. Final terms will be disclosed upon pricing completion.

424B5Prospectus supplement (offering)Apr 16424B5
424B5Prospectus supplement (offering)Apr 16424B5
3New insider — initial holdingsMar 93
3New insider — initial holdingsMar 93
+ 25 other (11 6-Ks · 10 13Gs · 2 13Fs · 1 N-PX) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

TD Touts Successful Tokenized Payments With Project Agorápymnts.com·5d agoTD Bank Unlocks $141 Million in AI Value Months Ahead of Schedulepymnts.com·9d agoThe Toronto-Dominion Bank (TD:CA) Q3 2026 Earnings Call Transcriptseekingalpha.com·9d agoTD Bank profit jumps as capital markets, cost controls drive beatproactiveinvestors.com·9d agoToronto Dominion Bank Q3 Earnings Call Highlightsmarketbeat.com·9d ago

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TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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