RF vs. TD: Regions Financial vs. Toronto-Dominion Bank Stock Comparison
How do Regions Financial (RF) and Toronto-Dominion Bank (TD) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Regions Financial (RF) and Toronto-Dominion Bank (TD) both belong to the Banks industry, though RF is classified under Regional Banks while TD falls under Diversified Banks.
| Profile Item | RF | TD |
|---|---|---|
| Name | Regions Financial Corp. | Toronto-Dominion Bank |
| Country/Region | United States | Canada |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Regional Banks | Diversified Banks |
| Market Capitalization | 24.06 billion USD | 199.88 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | March 17, 1980 | August 30, 1996 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | RF | TD |
|---|---|---|
| Total Return (1Y) | 22.28% | 57.20% |
| Total Return (3Y, Annualized) | 30.40% | 32.99% |
| Total Return (5Y, Annualized) | 8.09% | 15.46% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | RF | TD |
|---|---|---|
| Volatility (1Y, Annualized) | 23.37% | 19.05% |
| Beta (5Y) | 1.00 | 0.72 |
| Max Drawdown (5Y) | -40.99% | -31.16% |
| Avg. Volume (3M) | 9.26M | 1.81M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | RF | TD |
|---|---|---|
| Sharpe Ratio (1Y) | 0.77 | 2.78 |
| Sortino Ratio (1Y) | 1.11 | 4.15 |
Profitability
ROE (TTM)
Both Regions Financial (RF) at 12.38% and Toronto-Dominion Bank (TD) at 12.83% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.
RF
Banks industry group
12.38%
- Max
- 19.84%
- Q3
- 13.67%
- RF
- 12.38%
- Median
- 11.49%
- Q1
- 9.50%
- Min
- 3.64%
TD
Banks industry group
12.83%
- Max
- 19.84%
- Q3
- 13.67%
- TD
- 12.83%
- Median
- 11.49%
- Q1
- 9.50%
- Min
- 3.64%
Net Margin (TTM)
Regions Financial (RF) at 31.29% keeps about the industry-typical share of revenue as profit, while Toronto-Dominion Bank (TD) at 26.62% retains only a bottom-quartile share.
RF
Banks industry group
31.29%
- Max
- 47.19%
- Q3
- 35.25%
- RF
- 31.29%
- Median
- 31.21%
- Q1
- 27.11%
- Min
- 14.93%
TD
Banks industry group
26.62%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- TD
- 26.62%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Regions Financial (RF) in Banks and Toronto-Dominion Bank (TD) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | RF | TD |
|---|---|---|
| ROE (TTM) | 12.38% | 12.83% |
| ROA (TTM) | 1.42% | 0.78% |
| Net Margin (TTM) | 31.29% | 26.62% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Regions Financial (RF) at 6.25% and Toronto-Dominion Bank (TD) at 8.93% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
Toronto-Dominion Bank (TD) at 144.92% clears its industry range for EPS growth, a much stronger earnings trajectory than Regions Financial (RF) at 19.17%, which is closer to a typical peer reading.
Growth Metrics
| Metric | RF | TD |
|---|---|---|
| Revenue Growth (YoY) | 6.25% | 8.93% |
| Revenue Growth (3Y CAGR) | 1.65% | 10.22% |
| EPS Growth (YoY) | 19.17% | 144.92% |
| EPS Growth (3Y CAGR) | 0.29% | 6.87% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Regions Financial (RF) in Banks and Toronto-Dominion Bank (TD) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: Regions Financial (RF) in Banks and Toronto-Dominion Bank (TD) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength Metrics
| Metric | RF | TD |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Regions Financial (RF) at 3.85% and Toronto-Dominion Bank (TD) at 3.52% offer top-quartile dividend income relative to share price within their industries.
RF
Banks industry group
3.85%
- Max
- 5.79%
- RF
- 3.85%
- Q3
- 3.18%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
TD
Banks industry group
3.52%
- Max
- 5.79%
- TD
- 3.52%
- Q3
- 3.18%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Regions Financial (RF) at 43.27% and Toronto-Dominion Bank (TD) at 46.36% pay out an above-typical share of earnings for their industries, leaving thinner cover if profits dip.
RF
Banks industry group
43.27%
- Max
- 70.75%
- RF
- 43.27%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
TD
Banks industry group
46.36%
- Max
- 70.75%
- TD
- 46.36%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
Dividend Metrics
| Metric | RF | TD |
|---|---|---|
| Dividend Yield (TTM) | 3.85% | 3.52% |
| Dividend Payout Ratio (TTM) | 43.27% | 46.36% |
Valuation
P/E Ratio (TTM)
Regions Financial (RF) at 11.10 is near its industry’s usual P/E ratio, while Toronto-Dominion Bank (TD) at 18.16 sits in the richer quartile — TD needs stronger growth or earnings quality to justify the premium.
RF
Banks industry group
11.10
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- RF
- 11.10
- Q1
- 10.64
- Min
- 6.49
TD
Banks industry group
18.16
- TD
- 18.16
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- Q1
- 10.64
- Min
- 6.49
P/S Ratio (TTM)
P/S ratio is set aside for both Regions Financial (RF) in Banks and Toronto-Dominion Bank (TD) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.
P/B Ratio (MRQ)
Regions Financial (RF) at 1.46 is valued about in line with its industry on P/B ratio, while Toronto-Dominion Bank (TD) at 2.27 carries an above-peer premium to book — TD is pricier on assets.
RF
Banks industry group
1.46
- Max
- 2.28
- Q3
- 1.58
- RF
- 1.46
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
TD
Banks industry group
2.27
- Max
- 2.28
- TD
- 2.27
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
Valuation Metrics
| Metric | RF | TD |
|---|---|---|
| P/E Ratio (TTM) | 11.10 | 18.16 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.46 | 2.27 |
| Free Cash Flow Yield (TTM) | -- | -- |