Toronto Dominion Bank (TD)vsWells Fargo & Company (WFC)
TD
Toronto Dominion Bank
$121.15
+1.47%
FINANCIAL SERVICES · Cap: $200.15B
WFC
Wells Fargo & Company
$89.16
+0.88%
FINANCIAL SERVICES · Cap: $267.29B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 40% more annual revenue ($83.03B vs $59.18B). WFC leads profitability with a 27.2% profit margin vs 25.2%. TD appears more attractively valued with a PEG of 1.01. WFC earns a higher WallStSmart Score of 76/100 (B+).
TD
Buy62
out of 100
Grade: C+
WFC
Strong Buy76
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Strong operational efficiency at 35.4%
Generating 10.2B in free cash flow
Keeps 25 of every $100 in revenue as profit
Reasonable price relative to book value
Mega-cap, among the largest globally
Strong operational efficiency at 37.4%
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 25.0% YoY
Areas to Watch
Revenue declined 31.5%
Earnings declined 61.2%
Distress zone — elevated risk
Elevated debt levels
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : TD
The strongest argument for TD centers on Market Cap, Operating Margin, Free Cash Flow. Profitability is solid with margins at 25.2% and operating margin at 35.4%. PEG of 1.01 suggests the stock is reasonably priced for its growth.
Bull Case : WFC
The strongest argument for WFC centers on Market Cap, Operating Margin, Profit Margin. Profitability is solid with margins at 27.2% and operating margin at 37.4%.
Bear Case : TD
The primary concerns for TD are Revenue Growth, EPS Growth, Altman Z-Score. Debt-to-equity of 2.22 is elevated, increasing financial risk.
Bear Case : WFC
The primary concerns for WFC are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.55 is elevated, increasing financial risk.
Key Dynamics to Monitor
TD profiles as a declining stock while WFC is a mature play — different risk/reward profiles.
WFC carries more volatility with a beta of 0.92 — expect wider price swings.
WFC is growing revenue faster at 9.5% — sustainability is the question.
TD generates stronger free cash flow (10.2B), providing more financial flexibility.
Bottom Line
WFC scores higher overall (76/100 vs 62/100), backed by strong 27.2% margins. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Toronto Dominion Bank
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Toronto-Dominion Bank offers a variety of personal and commercial banking products and services in Canada and the United States. The company is headquartered in Toronto, Canada.
Visit Website →Wells Fargo & Company
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.
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