BAC vs TD Comparison: AI Score, Valuation, Performance and Upside
Compare Bank of America's massive US consumer deposit base against TD Bank's combined Canadian and US East Coast retail banking footprint.
Use this Bank of America vs TD Bank comparison to evaluate the key differences across valuation, growth, profitability, and risk before making an investment decision.
BAC holds the edge across 3 of 5 key metrics in this comparison. TD has delivered stronger 1-year price return (+55.55% vs -7.26%), though BAC has the better forward P/E setup (11.84x vs 15.10x for TD). BAC leads on both revenue growth (16.80%) and operating margin (38.30%), suggesting a stronger fundamental setup on both dimensions. Analyst consensus implies meaningfully more upside for BAC (+10.07%) than for TD (+1.36%).
Human Wall Street analysts' price targets, typically implying a ~12-month view — a separate signal from this site's own AI Prediction Signal further down the page, which is a 5-/30-day machine-learning forecast based on price history alone.
| Metric | BAC | TD |
|---|---|---|
| AI scorei | 52.5 | 53.1 |
| AI ranki | #345 | #409 |
| Latest closei | $49.57 | $125.04 |
| 1M returni | -7.78% | +6.81% |
| 3M returni | -20.66% | +3.93% |
| 6M returni | -5.02% | +19.29% |
| 1Y returni | -7.26% | +55.55% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | BAC | TD |
|---|---|---|
| 1Y ago | $9.26K (-7.4%) started 2025-11-03 | $15.93K (+59.3%) started 2025-11-03 |
| 5Y ago | $12.31K (+23.1%) started 2021-11-03 | $25.55K (+155.5%) started 2021-11-03 |
| 10Y ago | $44.87K (+348.7%) started 2016-11-03 | $66.04K (+560.4%) started 2016-11-03 |
Hypothetical — past performance does not guarantee future results.
| Metric | BAC | TD |
|---|---|---|
| Market capi | $438.38B | $199.03B |
| Trailing P/Ei | 14.48 | 18.08 |
| Forward P/Ei | 11.84 | 15.10 |
| Price/Salesi | 3.48 | N/A |
| EV/Revenuei | 3.37 | 1.62 |
| Analyst targeti | $69.00 | $123.13 |
| Target upsidei | +10.07% | +1.36% |
| Metric | BAC | TD |
|---|---|---|
| Revenue growthi | 16.80% | 11.50% |
| Earnings growthi | 34.10% | 45.00% |
| EPS growthi | +34.10% | +45.00% |
| FCF margini | N/A | N/A |
| Operating margini | 38.30% | 38.02% |
| Profit margini | 29.52% | 26.62% |
| ROIC proxyi | 11.20% | 12.83% |
| Return on equityi | 11.20% | 12.83% |
| Dividend yieldi | 2.04% | 2.71% |
| Payout ratioi | 27.62% | 46.36% |
| Dividend growth streaki | No increase yet | No increase yet |
| Betai | 1.16 | 0.87 |
| Debt/equityi | N/A | N/A |
| Current ratioi | N/A | N/A |
| Quick ratioi | N/A | N/A |
Over the past year, BAC and TD have moved moderately in the same direction (correlation of 0.53), based on daily returns.
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | BAC | TD |
|---|---|---|---|
| 1Y | Growthi | -7.45% | +55.93% |
| CAGRi | -7.47% | +56.16% | |
| Volatilityi | 21.99% | 18.39% | |
| Sharpe ratioi | -0.45 | 2.28 | |
| Sortino ratioi | -0.57 | 3.40 | |
| Max drawdowni | 23.51% | 8.76% | |
| Current drawdowni | 23.51% | 1.71% | |
| Avg drawdowni | 7.12% | 1.93% | |
| Ulcer Indexi | 9.58% | 2.77% | |
| Max daily dropi | 5.14% | 3.65% | |
| Max wkly dropi | 7.91% | 6.27% | |
| 5Y | Growthi | +12.12% | +106.36% |
| CAGRi | +2.32% | +15.60% | |
| Volatilityi | 26.60% | 20.05% | |
| Sharpe ratioi | 0.05 | 0.60 | |
| Sortino ratioi | 0.07 | 0.84 | |
| Max drawdowni | 46.64% | 31.16% | |
| Current drawdowni | 23.51% | 1.71% | |
| Avg drawdowni | 17.90% | 14.57% | |
| Ulcer Indexi | 22.54% | 17.89% | |
| Max daily dropi | 11.06% | 6.71% | |
| Max wkly dropi | 16.63% | 10.38% | |
| 10Y | Growthi | +263.99% | +310.16% |
| CAGRi | +13.79% | +15.16% | |
| Volatilityi | 30.53% | 21.90% | |
| Sharpe ratioi | 0.43 | 0.55 | |
| Sortino ratioi | 0.63 | 0.78 | |
| Max drawdowni | 48.95% | 41.98% | |
| Current drawdowni | 23.51% | 1.71% | |
| Avg drawdowni | 14.01% | 10.75% | |
| Ulcer Indexi | 18.94% | 14.57% | |
| Max daily dropi | 15.40% | 13.92% | |
| Max wkly dropi | 24.86% | 25.36% |
| Category | BAC | TD |
|---|---|---|
| Company | BAC | TD |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Diversified | Banks - Diversified |
| Core business | Bank of America Corporation, through its subsidiaries, provides various financial products and services for individual consumers, small and middle-market businesses, institutional investors, large corporations, and gove… | The Toronto-Dominion Bank, together with its subsidiaries, provides various financial products and services in Canada, the United States, and internationally. |
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AI score, forward P/E, analyst target upside, operating margin, and revenue growth are scored head-to-head, with a running tally of which ticker leads on how many metrics.
Volatility, Sharpe and Sortino ratios, maximum, current, and average drawdown, Ulcer Index, and worst single-day and single-week drops across every timeframe.
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