TD vs BBVA
TD vs BBVA: This page compares the two banks’ business models, financial performance, and market context in a neutral, accessible manner. It outlines how each organisation approaches growth, risk, and customer engagement within their respective markets, without implying investment guidance or recommendations. Educational content, not financial advice.
TD vs BBVA: This page compares the two banks’ business models, financial performance, and market context in a neutral, accessible manner. It outlines how each organisation approaches growth, risk, and...
Why It's Moving
TD Stock Warning: Why Analysts See -39% Downside Risk
- Q1 adjusted earnings hit $4.2 billion, up 16%, driven by strong trading, fee income growth, and margin expansion in Canadian banking, signaling operational momentum.
- Completed $886 million restructuring program with expected $775 million annual savings from 3% workforce cuts, boosting efficiency as the bank simplifies operations.
- Announced new $7 billion share repurchase for up to 61 million shares and raised quarterly dividend to $1.08, underscoring capital return confidence amid sector pressures.
BBVA Advances Share Buyback as Board Signals Shareholder Value Focus
- Board greenlit first-tranche buyback execution via J.P. Morgan, covering transactions from late January 2026, boosting investor confidence in capital management.
- Annual General Meeting convened on March 19-20 in Bilbao, where directors proposed a €0.60 per share final dividend, enhancing yield appeal.
- Mixed institutional flows emerge with Capital Research trimming its stake by 35% while Capital World boosts position, reflecting divergent views on valuation.
TD Stock Warning: Why Analysts See -39% Downside Risk
- Q1 adjusted earnings hit $4.2 billion, up 16%, driven by strong trading, fee income growth, and margin expansion in Canadian banking, signaling operational momentum.
- Completed $886 million restructuring program with expected $775 million annual savings from 3% workforce cuts, boosting efficiency as the bank simplifies operations.
- Announced new $7 billion share repurchase for up to 61 million shares and raised quarterly dividend to $1.08, underscoring capital return confidence amid sector pressures.
BBVA Advances Share Buyback as Board Signals Shareholder Value Focus
- Board greenlit first-tranche buyback execution via J.P. Morgan, covering transactions from late January 2026, boosting investor confidence in capital management.
- Annual General Meeting convened on March 19-20 in Bilbao, where directors proposed a €0.60 per share final dividend, enhancing yield appeal.
- Mixed institutional flows emerge with Capital Research trimming its stake by 35% while Capital World boosts position, reflecting divergent views on valuation.
Investment Analysis
TD
TD
Pros
- TD operates a diversified business model spanning Canadian Personal and Commercial Banking, U.S. Retail, Wealth Management, Insurance, and Wholesale Banking, reducing concentration risk.
- The bank has strong profitability with a net income of $14.69 billion and an EPS of 8.44, supported by consistent loan growth and projected net interest income increase.
- TD maintains a solid dividend yield of 3.66%, providing income appeal, with several analysts recommending a buy and a price target implying approximately 29% upside.
Considerations
- Analyst price forecasts for TD in 2025 show mixed signals, with some predicting a slight share price decline due to near-term volatility and uncertain macro conditions.
- TD faces increased expenses due to anti-money laundering regulatory compliance, which could weigh on earnings and make 2025 operationally challenging.
- Its stock price has a beta of 1.0, indicating market-level volatility exposure, which may add risk during economic downturns or financial sector disruptions.
BBVA
BBVA
Pros
- BBVA is trading significantly below its estimated fair value by over 20%, indicating potential upside relative to its intrinsic valuation using discounted cash flow models.
- The bank has a strong earnings momentum and is forecasted to continue improving capital returns, supporting long-term profitability growth.
- BBVA's profitability is solid with a PE ratio around 9.6 and earnings of €10.12 billion, suggesting efficient operational performance relative to the sector.
Considerations
- BBVA’s PEG ratio of 2.8 indicates the stock may be somewhat overvalued on growth-adjusted terms despite current undervaluation based on price to earnings.
- The bank operates in regions that may have regulatory and macroeconomic volatility, which could introduce execution risk and impact financial results.
- BBVA's valuation metrics show mixed signals with a fair price estimate below current market price, possibly reflecting investor caution or sector risk.
Related Market Insights
Banking On Shareholder Returns: The Capital Return Revolution
Discover how major banks like BofA, Citi, and USB are boosting shareholder returns via buybacks & dividends. Invest in this capital return revolution with Nemo.
Aimee Silverwood | Financial Analyst
July 24, 2025
Related Market Insights
Banking On Shareholder Returns: The Capital Return Revolution
Discover how major banks like BofA, Citi, and USB are boosting shareholder returns via buybacks & dividends. Invest in this capital return revolution with Nemo.
Aimee Silverwood | Financial Analyst
July 24, 2025
TD (TD) Next Earnings Date
TD Bank Group's next earnings release is scheduled for May 28, 2026 before market open, covering the second quarter of fiscal 2026. This follows the company's Q1 2026 results announcement on February 26, 2026, which reported diluted earnings per share of $2.34 and adjusted diluted earnings per share of $2.44. Analysts currently project Q2 2026 earnings per share of approximately $2.16 with revenue estimated at $14.11 billion. The earnings report will be accompanied by a conference call with management to discuss quarterly performance and financial results.
BBVA (BBVA) Next Earnings Date
BBVA's next earnings report is expected on April 29-30, 2026 and will cover Q1 2026 results. The company typically releases earnings before market open, with an earnings call to follow where management will discuss financial performance and guidance. Based on historical patterns, BBVA has consistently reported quarterly earnings within this timeframe in recent years.
TD (TD) Next Earnings Date
TD Bank Group's next earnings release is scheduled for May 28, 2026 before market open, covering the second quarter of fiscal 2026. This follows the company's Q1 2026 results announcement on February 26, 2026, which reported diluted earnings per share of $2.34 and adjusted diluted earnings per share of $2.44. Analysts currently project Q2 2026 earnings per share of approximately $2.16 with revenue estimated at $14.11 billion. The earnings report will be accompanied by a conference call with management to discuss quarterly performance and financial results.
BBVA (BBVA) Next Earnings Date
BBVA's next earnings report is expected on April 29-30, 2026 and will cover Q1 2026 results. The company typically releases earnings before market open, with an earnings call to follow where management will discuss financial performance and guidance. Based on historical patterns, BBVA has consistently reported quarterly earnings within this timeframe in recent years.
Which Baskets Do They Appear In?
Banking On Shareholder Returns
Bank of America's new $40 billion stock buyback program highlights a broader trend of major financial institutions returning capital to shareholders. This theme identifies other large banks that may follow suit, offering similar buyback or dividend-based value.
Published: July 24, 2025
Explore BasketWhich Baskets Do They Appear In?
Banking On Shareholder Returns
Bank of America's new $40 billion stock buyback program highlights a broader trend of major financial institutions returning capital to shareholders. This theme identifies other large banks that may follow suit, offering similar buyback or dividend-based value.
Published: July 24, 2025
Explore BasketBuy TD or BBVA in Nemo
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