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The Institutional Risk Analyst

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Writer's pictureR. Christopher Whalen

Profile: Toronto Dominion Bank

March 3, 2022 | Toronto Dominion Bank (TD) trades at a higher multiple to book value than JPMorgan Chase (JPM) and sports a modest 0.87 market beta, but the financial performance of the $1.7 trillion asset universal bank is not that good compared to the top US financials. Asset returns below 1% and return on equity in single digits? TD just announced the purchase of another wonderful example of mediocrity, First Horizon Corp (FHN), at about 1.5x book, a 40% premium to market when the deal was announced. At a time when many US banks are reducing footprint in retail banking, TD is buying more.

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