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TDTD

The Toronto-Dominion Bank

$TD·$203B·Banks - Diversified·Financial Services
$120.06-0.3%YTD+26.6%1Y+50.3%
Price updated 5h ago·X counts updated 8d ago
TDTD
$TDThe Toronto-Dominion Bank
$120.06-0.27%70 posts1×
AI analysisFundamentalsVoices on X
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On X

The complete picture of $TD on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

70X posts · last 7 days
Oct 2Oct 11
Chatter Meter
1×
QuietNormal · 1×Loud

How loud $TD's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's about its usual level.

Bullish sentimentAI analysisGenerated by AI from underlying data8 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 what X is saying about $TD

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
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AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $TD — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Proven numbersAcceleratingAI verdict · as of 2026-10-02

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

TD Bank up 27% YTD — Q3 beat (adj EPS C$2.77 vs C$2.45), Wholesale Banking +87% YoY, $10B buyback.

The Toronto-Dominion Bank is one of the Big Six Canadian banks — plus substantial US retail-banking footprint. The stock is up 27% YTD and 83% of its 52-week range on specific Q3 operational acceleration.

  • The P&L is actually accelerating: revenue fell 5.1% YoY to C$27B last quarter at an 18.6% operating margin and EPS C$2.43 — the Q3 adj EPS C$2.77 beat C$2.45 estimate (+13.1%), with Wholesale Banking profit +87% YoY and US Banking +12% YoY.
  • The specific capital-return move is tangible: TD Bank unveiled a new $10B share buyback — this is a large authorization that supports the stock through dividend-plus-buyback combo.
  • No material insider selling in the window; the chart position reflects a legitimate operational re-rating with Canadian banks (TD, RY, BNS) all up 50%+ near ATHs.

Accelerating holds while Wholesale Banking strength extends and the $10B buyback executes. A soft Dec 3 earnings print on US Banking, or any specific commentary on Canadian consumer-credit charge-off risk, is what cools the move; a FY27 adj EPS guide above C$10 plus specific buyback-aggressive execution is what extends the breakout.

Agrees with X sentimentX bulls on Q3 adj EPS C$2.77 vs C$2.45 (+13.1%), adj revenue C$16.93B vs C$15.17B (+11.6%), net income C$4.62B, Wholesale Banking +87% YoY, US Banking +12% YoY, and Canadian banks TD/RY/BNS up 50%+ near ATHs have the specific setup right — this is a quality compounder re-rated on specific earnings strength.

What to watch: Dec 3 earnings — Wholesale Banking profit growth, US Banking trajectory, consumer-credit provisions, $10B buyback execution pace, FY27 adj EPS guide. A soft US Banking print or Canadian consumer-credit charge-off risk is what cools the breakout.

On the calendar: 2026-12-03 — Q4 FY26 earnings

Read the AI verdict on $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)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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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

No material change from last week — Capital markets recovery (IPO and M&A pipeline) and sustained higher-for-longer net interest margins are the dual structural drivers.

What this means for $TD

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

Top industry ETF

$KBESPDR S&P Bank ETF
+3.6%YTD
+10.4%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 3 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$59.7B$59.3B – $60.1B$10.00$8.90 – $10.473
FY27$62.8B$61.9B – $63.7B$11.07$9.51 – $11.983
FY28$67.4B$67.2B – $67.5B$12.38$11.14 – $13.302
FY29$162.4B$160.1B – $164.3B$10.88$10.68 – $11.051

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.0.6×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.89%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.+0.4%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.+10.4%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.

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.

+ 27 other (13 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.

Is TD Overvalued? DCF Says Worth $90gurufocus.com·18h agoToronto-Dominion Bank: The Buy Window Is Shut Now (Downgrade)seekingalpha.com·6d agoTD Bank U.S. Names Hardeep Walia to Lead U.S. Wealth Businessbusinesswire.com·6d agoThe Toronto-Dominion Bank (TSE:TD) Shareholders to Receive $1.12 Quarterly Dividenddefenseworld.net·13d agoToronto Dominion Bank (The) (TD) to Distribute Quarterly Dividend of C$1.12 on October 31stdefenseworld.net·13d ago

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Voices on X · last 7 days

No standout posts about $TD on X in the last 7 days.

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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