业绩总结 - TD银行在Q3 2024报告的净收入为36亿美元，调整后为36亿美元，每股收益为2.05美元[6] - 第三季度收入为14176百万美元，同比增长10%（调整后增长8%）[14] - 第三季度调整后每股收益（EPS）为2.05美元，同比增长5%[13] - 加拿大个人与商业银行的净收入同比增长13%，收入增长9%[15] - 美国零售银行的净损失为1787百万美元，收入同比下降1%[17] - 财富管理与保险部门的收入同比增长13%，净收入持平[19] - 第三季度的总费用为11012百万美元，同比增长50%[14] 用户数据 - TD银行的数字客户采纳率在Q3 2024达到了56.7%，较Q3 2023增加了225个基点[8] - TD银行的移动用户数量在Q3 2024达到了510万，较Q3 2023增长了6.1%[8] - 加拿大个人与商业贷款组合在Q3/24末为577.8亿美元，较Q2/24增长1.8%[60] - 加拿大个人贷款组合在Q3/24末为452.4亿美元，较Q2/24增长1.3%[67] - 加拿大住宅抵押贷款在Q3/24末为269.1亿美元，较Q2/24增长1.0%[67] 未来展望 - 2023年第四季度的重组费用为3.63亿美元，预计2024财年将实现约4.5亿美元的税前节省，2025财年开始年化节省约为8亿美元[46] - 短期利率上升25个基点将导致12个月内净利息收入增加7500万美元，若利率在整个曲线上上升则增加2.23亿美元[47] - 短期利率下降25个基点将导致12个月内净利息收入减少1.09亿美元，若利率在整个曲线上下降则减少2.6亿美元[47] 新产品和新技术研发 - TD银行在美国的移动应用程序推出了个性化功能，简化了资金转移[9] - 2024 TD Ready Challenge 提供1000万美元的资助，旨在解决服务不足的小企业主面临的系统性障碍[11] 负面信息 - 美国零售部门的PCL（贷款损失准备金）为378百万美元，较上季度的380百万美元基本持平[32] - 批发银行的PCL显著增加至118百万美元，较上季度的55百万美元大幅上升[32] - 2024年第三季度的总银行不良贷款为920百万美元，较上季度的870百万美元增加[32] 其他新策略和有价值的信息 - TD银行的总资产达到2.0万亿美元，效率比率为57.3%[6] - CET 1比率为12.8%，受到AML调查准备金和回购股份的影响[7] - 信贷损失准备金（PCL）在各业务部门中保持稳定，整体银行的PCL为1072百万美元，较上季度的1071百万美元略有上升[32]

Looking for a stock that has been consistently beating earnings estimates and might be well positioned to keep the streak alive in its next quarterly report? Toronto-Dominion Bank (TD) , which belongs to the Zacks Banks - Foreign industry, could be a great candidate to consider. When looking at the last two reports, this retail and wholesale bank has recorded a strong streak of surpassing earnings estimates. The company has topped estimates by 7.32%, on average, in the last two quarters. For the last report ...

If you are looking at the financial sector, here's why this bank, with a 5.1% yield, should be on top of your investment wish list. Toronto-Dominion Bank (TD 0.79%) is yielding 5.1% right now, which is at the high end of the stock's historical yield range. If that's not enough to entice you to invest $1,000, that yield is also around twice the 2.5% yield you'd collect from the average bank, using SPDR S&P Bank ETF as a benchmark. Before you run out and buy the stock, here's a deeper look at why TD Bank is t ...

The market expects Toronto-Dominion Bank (TD) to deliver a year-over-year increase in earnings on higher revenues when it reports results for the quarter ended July 2024. This widely-known consensus outlook is important in assessing the company's earnings picture, but a powerful factor that might influence its near-term stock price is how the actual results compare to these estimates. The stock might move higher if these key numbers top expectations in the upcoming earnings report, which is expected to be r ...

In the latest trading session, Toronto-Dominion Bank (TD) closed at $57.79, marking a +1.16% move from the previous day. The stock's change was less than the S&P 500's daily gain of 1.69%. On the other hand, the Dow registered a gain of 1.04%, and the technology-centric Nasdaq increased by 2.43%. The retail and wholesale bank's stock has dropped by 0.21% in the past month, exceeding the Finance sector's loss of 1.73% and the S&P 500's loss of 4.78%. The investment community will be paying close attention to ...

文章核心观点 - TD银行是加拿大五大银行之一,在北美地位重要 [5][6][7] - TD银行通过有机增长和并购实现了快速发展,资产规模和收益均实现了高速增长 [16][17][18] - TD银行的盈利能力和股息收益率长期保持稳定,为投资者带来了可观的回报 [8][10][11][12] 财务数据分析 收益表分析 - 利息收入、利息支出和净利息收入均实现了快速增长 [19][20][21] - 其他收入和非利息支出也保持了较快增长,最终导致净利润增长速度超过收入增长 [19][20][21] 资产负债表分析 - 现金、证券、贷款等主要资产项目均实现了快速增长 [24] - 存款、交易负债等主要负债项目也保持了较快增长 [26] - 股东权益中的留存收益和总权益也实现了快速增长 [26] 内部经营指标分析 - 信贷损失准备率、效率比率和净利差等指标均保持在较好水平 [29][32][35] 市场估值与风险分析 - 目前TD银行的市盈率和市净率处于行业中等水平,估值合理 [37][38][39] - 加拿大家庭债务水平高企和房地产市场泡沫风险是短期内可能影响TD银行的主要风险 [40][41][42][43][44][45][46][47][48] - 来自美国的金融风险传染也是TD银行需要关注的长期风险 [49][50]

In the latest trading session, Toronto-Dominion Bank (TD) closed at $57.76, marking a -0.77% move from the previous day. This change lagged the S&P 500's 0.08% gain on the day. At the same time, the Dow lost 0.12%, and the tech-heavy Nasdaq gained 0.07%.The the stock of retail and wholesale bank has risen by 5.91% in the past month, leading the Finance sector's loss of 1.27% and the S&P 500's loss of 0.21%.Investors will be eagerly watching for the performance of Toronto-Dominion Bank in its upcoming earnin ...

This bank offers a 5%-plus yield, has paid uninterrupted dividends for over 100 years, and has a conservative culture.The narrative around Toronto-Dominion Bank (TD 2.03%) isn't great today, thanks to concerns from the market about reports of shortfalls in the company's money-laundering controls. It is a big deal in the near term, but it is not going to alter the Canadian banking giant's long-term trajectory.Here's why this bad short-term news that led to a 33% decline in TD Bank's share price could create ...

PHILADELPHIA, July 08, 2024 (GLOBE NEWSWIRE) -- Berger Montague PC is currently investigating potential violations of anti-money-laundering (“AML”) laws and the federal securities laws, as well as breaches of fiduciary duties on behalf of investors in The Toronto-Dominion Bank (“TD Bank” or the “Company”) (NYSE: “TD”) during the period of August 26, 2021 through and including May 23, 2024. TD Bank, a Canadian corporation, is a financial services company which operates through three segments: Canadian Retail ...

TD Bank’s chief compliance officer, Monica Kowal, has reportedly left the bank.Kowal left the bank during the past week, and an internal memo that announced the move in late June did not mention a reason, Reuters reported Sunday (July 7), citing the memo.TD Bank did not immediately reply to PYMNTS’ request for comment.Kowal, who had been with the bank since 2017, will be succeeded by Deputy Chief Compliance Officer Erin Morrow, according to the report.Morrow joined TD Bank in January from Citi, where she ha ...