TD vs UBS
TD and UBS are presented on this page in a neutral comparison of business models, financial performance, and market context. It outlines strategy, operations, risk approach, and regional dynamics to help readers understand how these institutions differ in focus and execution. Educational content, not financial advice.
TD and UBS are presented on this page in a neutral comparison of business models, financial performance, and market context. It outlines strategy, operations, risk approach, and regional dynamics to h...
Why It's Moving
TD Bank Secures Green Light for $7 Billion Share Buyback, Signaling Strong Capital Confidence
- Fresh $7B buyback approval allows repurchases through January 2027 or until limits hit, following completion of previous $8B program at $99.74 average price per share.
- Automatic share purchase plan with TD Securities to handle buys during blackout periods, ensuring flexible execution.
- Concurrent redemption of $1.25B 4.859% NVCC medium-term notes due 2031, optimizing capital structure without market disruption.
UBS Flags Financials as Top Pick Amid Broadening Global Stock Rally into 2026.
- UBS rates financials Attractive, highlighting gains from rising capital market activity and improving net interest margins despite credit card rate cap concerns.
- Bank favors global banks and adds U.S. consumer discretionary, with cyclical regions and sectors outperforming as performance broadens.
- Structural AI tailwinds evolve toward application layers, combined with monetary easing and fiscal boosts, underpin confidence in sustained equity climbs.
- sentiment_tag
TD Bank Secures Green Light for $7 Billion Share Buyback, Signaling Strong Capital Confidence
- Fresh $7B buyback approval allows repurchases through January 2027 or until limits hit, following completion of previous $8B program at $99.74 average price per share.
- Automatic share purchase plan with TD Securities to handle buys during blackout periods, ensuring flexible execution.
- Concurrent redemption of $1.25B 4.859% NVCC medium-term notes due 2031, optimizing capital structure without market disruption.
UBS Flags Financials as Top Pick Amid Broadening Global Stock Rally into 2026.
- UBS rates financials Attractive, highlighting gains from rising capital market activity and improving net interest margins despite credit card rate cap concerns.
- Bank favors global banks and adds U.S. consumer discretionary, with cyclical regions and sectors outperforming as performance broadens.
- Structural AI tailwinds evolve toward application layers, combined with monetary easing and fiscal boosts, underpin confidence in sustained equity climbs.
- sentiment_tag
Investment Analysis
TD
TD
Pros
- TD Bank has delivered strong recent stock performance, with a 51.6% surge in 2025 and a 48.2% return year-to-date, outperforming much of the financial sector.
- The bank is considered undervalued by several key financial metrics, indicating potential investment value despite recent gains.
- TD is projected to experience moderate loan growth around 3.5% annually and net interest income growth of approximately 3.2%, supporting steady profitability.
Considerations
- TD faces increased anti-money laundering compliance costs in 2025, which may constrain profit growth and operational efficiency.
- Forecasts indicate a possible short-term price decline of around 2.5% by end of 2025, with near-term stock sentiment currently neutral to bearish.
- The bank's future earnings growth appears modest, with analysts predicting only low single-digit EPS increases in coming years, potentially limiting upside.
UBS
UBS
Pros
- UBS Group AG has a large and diversified portfolio with over 10,000 holdings, enhancing its global investment footprint and revenue streams.
- The company maintains a relatively lower beta of 0.92, suggesting somewhat lower stock price volatility compared to peers including TD.
- UBS wins in more valuation and enterprise metrics categories in direct comparison with TD, indicating a favorable financial positioning on select measures.
Considerations
- UBS’s price-to-earnings ratio is significantly higher than TD’s, implying the stock may be more expensively valued and potentially less attractive on price multiples.
- Enterprise value metrics suggest UBS’s valuation relative to revenue is substantially higher, potentially indicating less sensitivity to earnings growth.
- UBS appears weaker in the majority of operating and profitability metrics compared to TD, possibly reflecting lower efficiency or competitive pressure.
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
Toronto-Dominion Bank's next earnings date is expected on Thursday, February 26, 2026, prior to market open. This release will cover the Q1 2026 fiscal quarter, following the pattern of late-February reporting observed in prior years. Investor focus will center on revenue and EPS estimates around C$13.87 billion and C$1.95, respectively.
UBS (UBS) Next Earnings Date
UBS Group AG's next earnings date is February 4, 2026, scheduled for publication of fourth quarter 2025 results after market close. This date aligns with the company's official corporate calendar and consensus from multiple financial data providers. The report will cover the quarter ending December 2025, providing key insights into Group performance across its divisions.
TD (TD) Next Earnings Date
Toronto-Dominion Bank's next earnings date is expected on Thursday, February 26, 2026, prior to market open. This release will cover the Q1 2026 fiscal quarter, following the pattern of late-February reporting observed in prior years. Investor focus will center on revenue and EPS estimates around C$13.87 billion and C$1.95, respectively.
UBS (UBS) Next Earnings Date
UBS Group AG's next earnings date is February 4, 2026, scheduled for publication of fourth quarter 2025 results after market close. This date aligns with the company's official corporate calendar and consensus from multiple financial data providers. The report will cover the quarter ending December 2025, providing key insights into Group performance across its divisions.
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
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