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TD vs. USB: A Head-to-Head Stock Comparison

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Here’s a clear look at TD and USB, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

SymbolTDUSB
Company NameThe Toronto-Dominion BankU.S. Bancorp
CountryCanadaUnited States
GICS SectorFinancialsFinancials
GICS IndustryBanksBanks
Market Capitalization137.44 billion USD73.13 billion USD
ExchangeNYSENYSE
Listing DateAugust 30, 1996May 3, 1973
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of TD and USB by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

TD vs. USB: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolTDUSB
5-Day Price Return0.72%-1.92%
13-Week Price Return11.52%-0.66%
26-Week Price Return31.60%21.14%
52-Week Price Return29.92%5.67%
Month-to-Date Return1.49%-2.77%
Year-to-Date Return47.58%-1.76%
10-Day Avg. Volume8.89M8.26M
3-Month Avg. Volume6.43M10.17M
3-Month Volatility14.79%19.10%
Beta0.611.14

Profitability

Return on Equity (TTM)

TD

17.21%

Banks Industry

Max
25.40%
Q3
15.55%
Median
12.00%
Q1
8.98%
Min
-0.10%

In the upper quartile for the Banks industry, TD’s Return on Equity of 17.21% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

USB

11.55%

Banks Industry

Max
25.40%
Q3
15.55%
Median
12.00%
Q1
8.98%
Min
-0.10%

USB’s Return on Equity of 11.55% is on par with the norm for the Banks industry, indicating its profitability relative to shareholder equity is typical for the sector.

TD vs. USB: A comparison of their Return on Equity (TTM) against the Banks industry benchmark.

Net Profit Margin (TTM)

TD

25.63%

Banks Industry

Max
54.20%
Q3
35.73%
Median
28.97%
Q1
22.56%
Min
6.98%

TD’s Net Profit Margin of 25.63% is aligned with the median group of its peers in the Banks industry. This indicates its ability to convert revenue into profit is typical for the sector.

USB

20.01%

Banks Industry

Max
54.20%
Q3
35.73%
Median
28.97%
Q1
22.56%
Min
6.98%

Falling into the lower quartile for the Banks industry, USB’s Net Profit Margin of 20.01% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

TD vs. USB: A comparison of their Net Profit Margin (TTM) against the Banks industry benchmark.

Operating Profit Margin (TTM)

TD

32.88%

Banks Industry

Max
63.35%
Q3
44.73%
Median
37.24%
Q1
28.25%
Min
12.28%

TD’s Operating Profit Margin of 32.88% is around the midpoint for the Banks industry, indicating that its efficiency in managing core business operations is typical for the sector.

USB

25.22%

Banks Industry

Max
63.35%
Q3
44.73%
Median
37.24%
Q1
28.25%
Min
12.28%

USB’s Operating Profit Margin of 25.22% is in the lower quartile for the Banks industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

TD vs. USB: A comparison of their Operating Profit Margin (TTM) against the Banks industry benchmark.

Profitability at a Glance

SymbolTDUSB
Return on Equity (TTM)17.21%11.55%
Return on Assets (TTM)1.01%1.01%
Net Profit Margin (TTM)25.63%20.01%
Operating Profit Margin (TTM)32.88%25.22%
Gross Profit Margin (TTM)----

Financial Strength

Current Ratio (MRQ)

TD

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

USB

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

TD vs. USB: A comparison of their Current Ratio (MRQ) against the Banks industry benchmark.

Debt-to-Equity Ratio (MRQ)

TD

2.11

Banks Industry

Max
5.78
Q3
2.66
Median
1.05
Q1
0.40
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

USB

1.29

Banks Industry

Max
5.78
Q3
2.66
Median
1.05
Q1
0.40
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

TD vs. USB: A comparison of their Debt-to-Equity Ratio (MRQ) against the Banks industry benchmark.

Interest Coverage Ratio (TTM)

TD

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

USB

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

TD vs. USB: A comparison of their Interest Coverage Ratio (TTM) against the Banks industry benchmark.

Financial Strength at a Glance

SymbolTDUSB
Current Ratio (MRQ)----
Quick Ratio (MRQ)----
Debt-to-Equity Ratio (MRQ)2.111.29
Interest Coverage Ratio (TTM)----

Growth

Revenue Growth

TD vs. USB: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

TD vs. USB: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

TD

3.91%

Banks Industry

Max
11.03%
Q3
6.00%
Median
3.87%
Q1
2.41%
Min
0.00%

TD’s Dividend Yield of 3.91% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

USB

4.72%

Banks Industry

Max
11.03%
Q3
6.00%
Median
3.87%
Q1
2.41%
Min
0.00%

USB’s Dividend Yield of 4.72% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

TD vs. USB: A comparison of their Dividend Yield (TTM) against the Banks industry benchmark.

Dividend Payout Ratio (TTM)

TD

36.07%

Banks Industry

Max
134.24%
Q3
79.39%
Median
55.09%
Q1
36.09%
Min
0.00%

TD’s Dividend Payout Ratio of 36.07% is in the lower quartile for the Banks industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

USB

50.28%

Banks Industry

Max
134.24%
Q3
79.39%
Median
55.09%
Q1
36.09%
Min
0.00%

USB’s Dividend Payout Ratio of 50.28% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

TD vs. USB: A comparison of their Dividend Payout Ratio (TTM) against the Banks industry benchmark.

Dividend at a Glance

SymbolTDUSB
Dividend Yield (TTM)3.91%4.72%
Dividend Payout Ratio (TTM)36.07%50.28%

Valuation

Price-to-Earnings Ratio (TTM)

TD

9.23

Banks Industry

Max
22.69
Q3
13.75
Median
10.32
Q1
7.73
Min
2.59

TD’s P/E Ratio of 9.23 is within the middle range for the Banks industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

USB

10.65

Banks Industry

Max
22.69
Q3
13.75
Median
10.32
Q1
7.73
Min
2.59

USB’s P/E Ratio of 10.65 is within the middle range for the Banks industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

TD vs. USB: A comparison of their Price-to-Earnings Ratio (TTM) against the Banks industry benchmark.

Price-to-Sales Ratio (TTM)

TD

2.85

Banks Industry

Max
4.90
Q3
2.98
Median
2.24
Q1
1.59
Min
0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

USB

2.10

Banks Industry

Max
4.90
Q3
2.98
Median
2.24
Q1
1.59
Min
0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

TD vs. USB: A comparison of their Price-to-Sales Ratio (TTM) against the Banks industry benchmark.

Price-to-Book Ratio (MRQ)

TD

1.38

Banks Industry

Max
2.09
Q3
1.40
Median
1.11
Q1
0.86
Min
0.29

TD’s P/B Ratio of 1.38 is within the conventional range for the Banks industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

USB

1.15

Banks Industry

Max
2.09
Q3
1.40
Median
1.11
Q1
0.86
Min
0.29

USB’s P/B Ratio of 1.15 is within the conventional range for the Banks industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

TD vs. USB: A comparison of their Price-to-Book Ratio (MRQ) against the Banks industry benchmark.

Valuation at a Glance

SymbolTDUSB
Price-to-Earnings Ratio (TTM)9.2310.65
Price-to-Sales Ratio (TTM)2.852.10
Price-to-Book Ratio (MRQ)1.381.15
Price-to-Free Cash Flow Ratio (TTM)2.149.46