- TD Bank’s fourth quarter adjusted return on equity (ROE) was 12.8%, surpassing the estimate of 12%.
- The bank reported an adjusted earnings per share (EPS) of C$2.18, beating the estimate of C$2.01.
- Provision for credit losses amounted to C$982 million.
- The common equity Tier 1 ratio stood at 14.7%.
- Reported return on equity was recorded at 10.7%.
- Efficiency ratio came in at 56.8%, while the adjusted efficiency ratio was 59.2%, exceeding the estimate of 58.8%.
- Net income for the quarter was C$3.28 billion.
- Canadian personal and commercial banking net income totaled C$1.87 billion.
- Wealth Management & Insurance net income amounted to C$699 million.
- Wholesale Banking net income was C$494 million.
- Total revenue generated was C$15.49 billion.
- The book value per share was C$68.78, higher than the estimated C$67.71.
- Market analysts have rated TD Bank stock with 8 buys, 5 holds, and 4 sells.
- The bank anticipates a relatively stable net interest margin for the first quarter of fiscal 2026.
Toronto Dominion Bank on Smartkarma
Analysts on Smartkarma, like those at Baptista Research, are closely following Toronto-Dominion Bank’s recent moves in the financial landscape. Baptista Research‘s report on TD Bank’s expansion efforts towards wholesale banking questions whether this strategic shift will yield short-term gains. Highlighting the bank’s robust Q3 2025 financial performance with earnings of $3.9 billion and strong EPS of $2.20, the analysts observe positive outcomes driven by fee income growth and volume expansion in Canadian banking.
Furthermore, Baptista Research‘s analysis of Toronto-Dominion Bank’s strategic re-evaluation and exit from non-core businesses emphasizes optimism for TD’s future. Against a backdrop of economic uncertainties, TD Bank’s Q2 2025 results underscore its commitment to restructuring operations while maintaining financial strength. The report suggests that TD Bank’s focus on reshaping its business model under challenging conditions has positioned it well for growth, garnering a bullish sentiment from the analysts.
A look at Toronto Dominion Bank Smart Scores
| Factor | Score | Magnitude |
|---|---|---|
| Value | 4 | |
| Dividend | 4 | |
| Growth | 3 | |
| Resilience | 3 | |
| Momentum | 4 | |
| OVERALL SMART SCORE | 3.6 |
Smart Score is a compound score for the Company indicating its overall outlook. It is derived by taking an equally weighted average of underlying Factor scores computed by Smartkarma
Based on Smartkarma Smart Scores, Toronto Dominion Bank shows a positive long-term outlook with strong scores in Value, Dividend, and Momentum. The bank’s Value and Dividend scores of 4 indicate solid performance in terms of financial health and shareholder returns. This suggests that the company is viewed favorably in terms of its valuation and ability to provide dividends to investors. Additionally, the Momentum score of 4 implies that the bank has positive market momentum and may have strong upward potential in the future.
However, the Growth and Resilience scores are slightly lower at 3, indicating room for improvement in these areas. The Growth score suggests that there may be opportunities for Toronto Dominion Bank to enhance its growth prospects, while the Resilience score highlights a moderate level of financial stability and ability to weather economic uncertainties. Overall, with a well-rounded set of scores, Toronto Dominion Bank appears to be positioned for steady growth and value creation in the long term.
Disclaimer: This article by Smartkarma is general in nature and based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. Note that our articles may not factor in the latest price-sensitive company announcements or qualitative material.
While all reasonable care has been taken in the preparation, Smartkarma makes no assurance about the accuracy of any generated data or content. All content is indicative only and should be independently checked for accuracy and confirmed before use. Smartkarma accepts no responsibility for any loss or damage caused as a result of any inaccuracy or error within the Lab online tools or generated data.
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