The Toronto-Dominion Bank (TNTTF)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
The Toronto-Dominion Bank (TNTTF) trades at $15.00 with AI Score 50/100 (Grade B). The Toronto-Dominion Bank (TNTTF) is a multinational financial services provider operating in Canada, the U. S. , and internationally. Sector: Financial services.
Price live · AI analysis from Mar 17, 2026Analyst Coverage for TNTTF: TNTTF does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates TNTTF against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
TNTTF: the 1 perspectives are evenly split.
How is this calculated? →The Toronto-Dominion Bank (TNTTF) Financial Services Profile
The Toronto-Dominion Bank (TNTTF) is a leading North American financial institution, providing diverse banking, wealth management, and investment services across Canada and the U.S. With a strong retail presence and a growing wholesale banking division, TNTTF leverages its extensive network and brand recognition to maintain a competitive edge in the financial services sector.
What Is the Investment Thesis for TNTTF?
The Toronto-Dominion Bank presents a compelling investment case based on its diversified business model, strong retail presence, and growth opportunities in both Canada and the U.S. With a P/E ratio of 10.14 and a dividend yield of 3.22%, TNTTF offers a blend of value and income. The bank's ongoing investments in digital transformation and wealth management are expected to drive future growth. However, potential risks include regulatory changes and economic slowdowns. The bank's beta of 0.81 suggests lower volatility compared to the overall market. The company's profit margin of 19.1% and gross margin of 51.1% demonstrate solid profitability.
Based on FMP financials and quantitative analysis
TNTTF Key Highlights
- P/E ratio of 10.14 indicates a potentially undervalued stock compared to its earnings.
- Dividend yield of 3.22% provides a steady income stream for investors.
- Profit margin of 19.1% demonstrates strong profitability and efficient operations.
- Gross margin of 51.1% reflects the bank's ability to manage its cost of services effectively.
- Beta of 0.81 suggests lower volatility compared to the overall market, making it a relatively stable investment.
Who Are TNTTF's Competitors?
TNTTF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| ACGBF Agricultural Bank of China Limited | $0.64 | +4.20% | $225.47B | 68 |
| BCLYF Barclays PLC | $7.20 | +3.45% | $97.17B | 67 |
| BNS The Bank of Nova Scotia (BNS) | $86.79 | +1.63% | $106.41B | 67 |
| BCDRF Banco Santander, S.A. | $13.87 | -5.17% | $203.59B | 67 |
| ABMRF ABN AMRO Bank N.V. | $41.54 | +0.00% | $34.19B | 50 |
| BCMXY Bank of Communications Co., Ltd. | $19.85 | -3.64% | $67.62B | 50 |
| WFC Wells Fargo & Company | $87.44 | +2.25% | 268B | 50 |
| BNSPF The Bank of Nova Scotia | $18.71 | -0.74% | $22.56B | 50 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are TNTTF's Key Strengths?
- Strong brand recognition and customer loyalty.
- Diversified business model with multiple revenue streams.
- Extensive network of branches and ATMs in Canada and the U.S.
- Conservative risk management practices.
What Are TNTTF's Weaknesses?
- Exposure to economic cycles in Canada and the U.S.
- Dependence on interest rate environment.
- Regulatory scrutiny and compliance costs.
- Competition from fintech companies.
What Could Drive TNTTF Stock Higher?
- Digital transformation initiatives are expected to improve efficiency and customer experience.
- Expansion of wealth management services is expected to drive revenue growth.
- Strategic acquisitions may expand the company's geographic reach and product offerings.
- Increased focus on sustainable finance may attract socially responsible investors.
What Are the Key Risks for TNTTF?
- Financial-distress signal — its Altman Z-Score of 0.57 sits in the distress zone (elevated bankruptcy risk).
- Economic slowdown or recession could negatively impact loan growth and profitability.
- Rising interest rates could increase borrowing costs and reduce demand for loans.
- Increased competition from traditional and non-traditional players could erode market share.
- Cybersecurity threats and data breaches could damage the company's reputation and result in financial losses.
- Regulatory changes could increase compliance costs and limit business activities.
What Are the Growth Opportunities for TNTTF?
- Expansion of Wealth Management Services: The wealth management industry is experiencing significant growth, driven by an aging population and increasing demand for financial planning services. The Toronto-Dominion Bank can capitalize on this trend by expanding its wealth management offerings, targeting high-net-worth individuals and institutional clients. This includes offering personalized investment advice, retirement planning, and estate planning services. By leveraging its existing customer base and expanding its network of financial advisors, TNTTF can capture a larger share of the wealth management market. Timeline: Ongoing.
- Digital Transformation Initiatives: Investing in digital technologies to enhance customer experience and streamline operations is a key growth opportunity. This includes developing mobile banking apps, online platforms, and AI-powered tools to provide personalized financial advice and automate routine tasks. By embracing digital transformation, The Toronto-Dominion Bank can attract and retain customers, reduce costs, and improve efficiency. The bank's ongoing investments in digital technologies are expected to drive future growth and enhance its competitive position. Timeline: Ongoing.
- Strategic Acquisitions: Pursuing strategic acquisitions to expand its geographic reach and product offerings is another growth opportunity. This includes acquiring smaller banks, wealth management firms, or fintech companies that complement its existing business. By acquiring complementary businesses, The Toronto-Dominion Bank can expand its customer base, enter new markets, and gain access to new technologies. Strategic acquisitions can accelerate growth and enhance the bank's competitive position. Timeline: Ongoing.
- Increased Focus on Sustainable Finance: The growing demand for sustainable finance presents a significant growth opportunity. This includes offering green bonds, sustainable investment products, and financing for renewable energy projects. By aligning its business with environmental, social, and governance (ESG) principles, The Toronto-Dominion Bank can attract socially responsible investors and enhance its reputation. The bank's commitment to sustainable finance is expected to drive future growth and create long-term value. Timeline: Ongoing.
- Expansion in the U.S. Market: The U.S. market offers significant growth opportunities for The Toronto-Dominion Bank. By expanding its retail banking network, wealth management services, and wholesale banking operations in the U.S., TNTTF can tap into a large and growing market. This includes opening new branches, acquiring smaller banks, and expanding its digital presence. The bank's strong brand recognition and customer service reputation can help it gain market share in the U.S. Timeline: Ongoing.
What Opportunities Does TNTTF Have?
- Expansion of wealth management services.
- Digital transformation and innovation.
- Strategic acquisitions and partnerships.
- Growth in sustainable finance.
What Threats Does TNTTF Face?
- Economic slowdown or recession.
- Rising interest rates.
- Increased competition from traditional and non-traditional players.
- Cybersecurity threats and data breaches.
What Are TNTTF's Competitive Advantages?
- Strong brand recognition and reputation in Canada and the U.S.
- Extensive network of branches and ATMs.
- Diversified business model with multiple revenue streams.
- Established relationships with a large customer base.
- Conservative risk management practices.
What Does TNTTF Do?
The Toronto-Dominion Bank, established in 1855 and headquartered in Toronto, Canada, has evolved into a prominent multinational financial services provider. The bank operates through four key segments: Canadian Personal and Commercial Banking, U.S. Retail, Wealth Management and Insurance, and Wholesale Banking. Its Canadian Personal and Commercial Banking segment offers a comprehensive suite of financial solutions, including personal deposits, financing, investment services, and cash management. The U.S. Retail segment provides similar services, operating under the TD Bank and America's Most Convenient Bank brand names. The Wealth Management and Insurance segment delivers wealth and asset management products, advice, and insurance solutions to retail and institutional clients. The Wholesale Banking segment offers capital markets, corporate, and investment banking products and services. With a vast network of 1,060 branches and 3,401 ATMs in Canada, and 1,160 stores and 2,693 ATMs in the United States, The Toronto-Dominion Bank serves a broad customer base through its physical and digital channels. The bank's commitment to innovation and customer service has solidified its position as a leading financial institution in North America.
What Products and Services Does TNTTF Offer?
- Provides personal and commercial banking services in Canada and the United States.
- Offers wealth management and insurance products to retail and institutional clients.
- Provides capital markets and investment banking services to corporations and institutions.
- Offers checking, savings, and investment products to individuals.
- Provides financing, cash management, and international trade services to businesses.
- Offers credit cards, real estate secured lending, and auto finance services.
- Provides property and casualty insurance, as well as life and health insurance products.
How Does TNTTF Make Money?
- Generates revenue through interest income from loans and mortgages.
- Earns fees from banking services, wealth management, and investment banking activities.
- Profits from trading activities in capital markets.
- Collects premiums from insurance products.
What Industry Does TNTTF Operate In?
The Toronto-Dominion Bank operates in the highly competitive financial services industry, facing competition from other large banks, wealth management firms, and fintech companies. The industry is characterized by increasing regulatory scrutiny, technological disruption, and evolving customer preferences. The bank's strong retail presence and diversified business model provide a competitive advantage in this dynamic environment. The financial services industry is expected to grow at a moderate pace, driven by increasing demand for banking, wealth management, and investment services. TNTTF is well-positioned to capitalize on these trends, leveraging its established brand and extensive network.
Who Are TNTTF's Key Customers?
- Individual consumers seeking personal banking services.
- Small and medium-sized businesses requiring commercial banking solutions.
- Large corporations and institutions needing capital markets and investment banking services.
- High-net-worth individuals seeking wealth management services.
- Customers seeking insurance products for property, casualty, life, and health.
Company Profile
The Toronto-Dominion Bank operates in the Banks - Diversified industry within the Financial Services sector. It is headquartered in Toronto, CA. The company is led by CEO Bharat B. Masrani. TNTTF has traded publicly since 2017.
The Toronto-Dominion Bank (TNTTF) Valuation Context
Relative to its peer group, TNTTF's quantitative score of 50/100 is below the peer average of 64/100.
ROE 12%Key Financial Metrics
Return on equity for The Toronto-Dominion Bank stands at 11.9%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.7%, showing how much profit it generates from its asset base. TNTTF trades at a trailing price-to-earnings ratio of 18.85, roughly in line with the Financial Services sector average of ~18x. Its free cash flow yield is 4.6%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.28 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 5.3%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 5/9Financial Health
The Toronto-Dominion Bank's Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.57 places it in the distress zone, a signal of elevated financial risk.
TNTTF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Strong brand recognition and customer loyalty.
- Diversified business model with multiple revenue streams.
- Extensive network of branches and ATMs in Canada and the U.S.
- Conservative risk management practices.
Bear Case
- Exposure to economic cycles in Canada and the U.S.
- Dependence on interest rate environment.
- Regulatory scrutiny and compliance costs.
- Competition from fintech companies.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
TNTTF Latest News
No recent news available for TNTTF.
TNTTF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for TNTTF.
Price Targets
Wall Street price target analysis for TNTTF.
TNTTF MoonshotScore
What does this score mean?
The MoonshotScore rates TNTTF's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Bharat B. Masrani
Group President and Chief Executive Officer
Bharat Masrani has been with TD Bank Group for over 30 years, holding various leadership positions. He has extensive experience in retail banking, commercial banking, and wealth management. Prior to his current role, he served as the Chief Operating Officer of TD Bank Group and the President and CEO of TD Bank, America's Most Convenient Bank. He holds a Bachelor of Administrative Studies degree from York University and is a graduate of the Harvard Business School's Advanced Management Program.
Track Record: Under Bharat Masrani's leadership, TD Bank Group has achieved significant growth and profitability. He has overseen the expansion of the bank's U.S. operations and the implementation of key digital transformation initiatives. He has also focused on strengthening the bank's risk management practices and promoting a culture of innovation and customer service. He has successfully navigated the bank through various economic cycles and regulatory changes.
TNTTF OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that The Toronto-Dominion Bank may not meet the listing requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial disclosure and may not be subject to the same regulatory oversight as companies listed on major exchanges like the NYSE or NASDAQ. Investing in companies on the OTC Other tier carries higher risks due to the potential for limited information and liquidity compared to stocks listed on national exchanges. The lack of stringent listing requirements can result in increased volatility and potential for fraud.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure may make it difficult to assess the company's financial health.
- Lower liquidity can lead to price volatility and difficulty in buying or selling shares.
- Potential for fraud or manipulation due to less regulatory oversight.
- Higher risk of delisting or suspension of trading.
- OTC stocks may not be suitable for all investors due to the increased risks involved.
- Verify the company's financial statements and SEC filings (if available).
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Review the company's OTC Markets profile and disclosure status.
- Monitor the trading volume and bid-ask spread to assess liquidity.
- Consult with a financial advisor before investing.
- Understand the risks associated with investing in OTC stocks.
- The Toronto-Dominion Bank is a well-established financial institution with a long history.
- The company is regulated by Canadian authorities.
- The company has a strong brand reputation and customer base.
- The company has a diversified business model and multiple revenue streams.
- The company has a conservative risk management approach.
Common Questions About TNTTF (Financial Services)
What does The Toronto-Dominion Bank do?
The Toronto-Dominion Bank is a diversified financial services provider operating in Canada, the United States, and internationally. It offers a wide range of banking, wealth management, and investment services to individuals, businesses, and institutions. Its core business segments include Canadian Personal and Commercial Banking, U.S. Retail, Wealth Management and Insurance, and Wholesale Banking. The bank generates revenue through interest income, fees for services, and trading activities. It operates a vast network of branches and ATMs and also provides digital banking services.
What do analysts say about TNTTF stock?
Analyst consensus for TNTTF stock is generally positive, reflecting the bank's strong financial performance and diversified business model. Key valuation metrics, such as the P/E ratio and dividend yield, are considered attractive. Growth considerations include the bank's digital transformation initiatives, expansion of wealth management services, and strategic acquisitions. However, analysts also note potential risks, such as economic slowdowns, rising interest rates, and increased competition. Analyst ratings and price targets should be viewed as opinions and not as guarantees of future performance.
What are the main risks for TNTTF?
The main risks for The Toronto-Dominion Bank include economic slowdowns or recessions, which could negatively impact loan growth and profitability. Rising interest rates could increase borrowing costs and reduce demand for loans. Increased competition from traditional and non-traditional players could erode market share. Cybersecurity threats and data breaches could damage the company's reputation and result in financial losses. Regulatory changes could increase compliance costs and limit business activities. These risks are inherent in the financial services industry and should be carefully considered by investors.
What are the key factors to evaluate for TNTTF?
The Toronto-Dominion Bank (TNTTF) holds an AI score of 50/100 (moderate). Not financial advice.
How frequently does TNTTF data refresh on this page?
TNTTF prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven TNTTF's recent stock price performance?
The Toronto-Dominion Bank (TNTTF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong brand recognition and customer loyalty. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider TNTTF overvalued or undervalued right now?
Valuing The Toronto-Dominion Bank (TNTTF) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying TNTTF?
Before investing in The Toronto-Dominion Bank (TNTTF), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- OTC data may be less reliable than exchange-listed data.
- AI analysis pending for TNTTF.