Welcome to our dedicated page for Toronto Domin SEC filings (Ticker: TD), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Introduction
Toronto-Dominion Bank (TD Bank Group) is a venerable Canadian multinational financial institution known for its comprehensive suite of banking and financial services, including Canadian retail banking, US retail banking, and wholesale banking. Recognized for its rich history and strong commitment to innovation, TD has established itself as one of the two largest banks in Canada. Key industry keywords such as banking, financial services, and innovation are embedded in its operations, ensuring a robust market presence and adaptability in a competitive landscape.
Heritage and Legacy
Founded through the merger of the Bank of Toronto and The Dominion Bank, institutions with origins dating back to the mid-19th century, TD Bank Group has built a legacy of trust and resilience. This historical foundation has enabled TD to evolve continuously while maintaining core values centered on customer service and financial integrity. Its enduring legacy is a testament to its ability to navigate market fluctuations and regulatory challenges over a century and a half of operation.
Business Segments and Operational Overview
TD Bank Group’s operations are strategically divided into three primary segments which collectively cover retail banking in Canada and the United States, as well as wholesale banking. The Canadian retail banking division caters to millions of customers across personal and commercial segments through a network of branches and digital platforms. The US retail banking segment, with a significant presence in the Northeast and extending to other regions such as the Southeast, provides a full range of financial products and services including vehicle financing, personal loans, and wealth management solutions. The wholesale banking arm engages in larger scale corporate finance, investment banking, and specialized financial advisory services, positioning TD as a key player in the broader North American financial ecosystem.
Innovation and Technological Advances
TD Bank Group distinguishes itself with a strong emphasis on innovation and technology. Through its internal initiative, TD Invent, the bank nurtures a culture that values creative problem solving and technological progression. This has resulted in a significant number of patent filings, with a notable portion in fields such as artificial intelligence, digital banking, and cybersecurity. The firm’s commitment to integrating advanced digital solutions reinforces its capability to meet evolving customer needs while maintaining high standards of security and service reliability. Programs like iD8 and the Elite Inventor Program underscore TD's strategy to leverage in-house expertise for continuous improvement and operational efficiency.
Market Position and Competitive Landscape
Positioned as one of the most prominent banks in Canada, TD Bank Group competes with other major financial institutions by offering diversified financial services, innovative digital platforms, and a customer-centric approach. Its extensive US operations further differentiate it in the North American marketplace. The bank's multifaceted business model not only helps mitigate risks through diversification but also enables it to offer tailored services to various market segments, ranging from individual consumers to large corporate clients. This approach has cemented TD’s reputation as a stalwart financial services provider capable of adapting to shifting market dynamics.
Customer Focus and Value Proposition
TD Bank Group places a high priority on delivering a personalized, human-centered banking experience while leveraging the advantages of technological innovation. The bank’s diverse portfolio of services is designed to address the varying needs of retail customers, small to medium enterprises, and large corporations. Its reliance on a blend of traditional banking expertise and digital innovation underpins its primary value proposition: a commitment to accessibility, reliability, and forward-thinking financial solutions. By continuously refining its service offerings and internal processes, TD reinforces its longstanding reputation and market trust.
Risk Management and Operational Resilience
In the competitive financial services industry, robust risk management and operational resilience remain paramount. TD Bank Group employs stringent oversight measures and regulatory compliance strategies across all business segments. Its diversified operational model helps buffer against market fluctuations and geopolitical risks, ensuring that the institution remains stable and responsive in the face of industry challenges. This balance of risk management and innovation-driven operations further strengthens its standing amid the complex financial landscape.
Conclusion
In summary, Toronto-Dominion Bank has successfully integrated a rich historical legacy with modern financial services innovation. Through its comprehensive range of operations across Canadian, US, and wholesale banking, coupled with a proactive approach to technology and patent-driven innovation, TD has constructed a robust framework for enduring market relevance. The bank remains a prominent example of a well-managed financial institution that continually adapts to meet the demands of an evolving financial environment while upholding its core principles of reliability, accessibility, and progressive service delivery.
Toronto Dominion Bank has filed a pricing supplement for Autocallable Contingent Buffer Notes linked to Alphabet Class A stock, due July 1, 2027. The offering has the following key features:
- Principal Amount: $10,000 per note with a 2-year term
- Automatic Call Feature: If Alphabet stock closes at or above $173.54 on July 9, 2026, notes will be called with a 15.35% premium ($11,535 payout)
- At maturity, if not called earlier: - If stock price is at/above initial price: Receive greater of 30.70% Digital Return or stock's percentage gain - If stock drops up to 15%: Receive full principal - If stock drops more than 15%: Receive shares worth less than principal
- Estimated value between $9,400-$9,750 per note, below offering price
Notes are unsecured, subject to TD's credit risk, and not FDIC insured. Trading commission of 1.50% ($150 per note) applies. Notes will not be listed on any exchange.
Toronto Dominion Bank has issued $2.47 million in Autocallable Contingent Barrier Notes linked to Alphabet (GOOGL) Class A stock, due June 30, 2027. Key features include:
- Principal Amount: $1,000 per note with $10,000 minimum investment
- Automatic Call Feature: If GOOGL closes at or above $170.68 on July 8, 2026, notes are called with 18.48% premium
- Digital Return: 36.96% if held to maturity and GOOGL price is above initial price
- Downside Risk: Full exposure to GOOGL price decline if falls below barrier price of $136.544 (80% of initial price)
- Estimated Value: $979.10 per note, below public offering price of $1,000
Notes are unsecured, subject to TD's credit risk, and not FDIC insured. TD Securities receives $15.00 commission per note, with JP Morgan acting as placement agent. Investment carries significant risks including potential loss of principal.
Toronto Dominion Bank has filed a prospectus supplement for Callable Contingent Interest Barrier Notes linked to the performance of the Dow Jones Industrial Average and Nasdaq-100 Index, due April 13, 2028. The notes offer:
- A 7.50% per annum Contingent Interest Rate, payable monthly if both indices close at or above 80% of their initial values
- Principal protection at maturity if both indices close at or above 70% of their initial values
- Monthly call feature starting from the sixth payment date
- Risk of principal loss if any index closes below 70% of initial value at maturity
Key terms include a $1,000 principal amount per note, approximately 33-month term, and estimated value between $920-$960 per note. The offering includes a $27.50 underwriting discount per note. Notes are subject to TD's credit risk and are not FDIC insured.
Toronto Dominion Bank has issued $3.5 million in Callable Fixed Rate Notes due June 30, 2029. The notes will pay a fixed interest rate of 5.00% per annum, with quarterly interest payments on March 30, June 30, September 30, and December 30, starting September 30, 2025.
Key features include:
- Notes are callable by TD on quarterly payment dates starting September 30, 2025
- Issue price is 100% of principal amount ($1,000 per note)
- Notes are bail-inable debt securities subject to conversion into common shares under CDIC Act
- Unsecured and not CDIC or FDIC insured
The offering includes an underwriting discount of $6.0929 per note, with TD Securities (USA) LLC receiving a commission of up to 0.80%. The notes will be delivered in book-entry form through DTC and will not be listed on any securities exchange. These notes represent senior debt securities under Series G and are subject to TD's credit risk.
Toronto Dominion Bank has issued $7,224,000 in Callable Fixed Rate Notes due June 30, 2035. The notes will pay a fixed interest rate of 5.35% annually, with quarterly payments on March 30, June 30, September 30, and December 30, starting September 30, 2025.
Key features:
- Notes are callable by TD starting June 30, 2027, with 5 business days notice
- Issue price: $1,000 per note at 100% of principal
- Notes are bail-inable debt securities subject to conversion into common shares under CDIC Act
- Not insured by CDIC or FDIC; subject to TD's credit risk
- Will not be listed on any securities exchange
The offering raised $7,143,233.51 in proceeds for TD after $80,766.49 in underwriting discounts. TD Securities (USA) LLC will receive up to 1.90% commission per note. The notes are being issued as Senior Debt Securities, Series G, with minimum investments of $1,000.
Toronto Dominion Bank has filed a prospectus supplement for Callable Contingent Interest Barrier Notes linked to the performance of Nasdaq-100 Index, Russell 2000 Index, and VanEck Semiconductor ETF, due July 9, 2030.
Key features of the Notes include:
- Contingent Interest Rate of approximately 15.05% per annum, paid monthly if all Reference Assets close at or above 75% of their Initial Values
- Issuer Call Feature allowing TD to redeem notes monthly after 6 months at $1,000 plus any contingent interest
- Principal Protection at maturity if all Reference Assets close at or above 60% of Initial Value
- Risk of Loss - investors could lose entire principal if any Reference Asset closes below 60% barrier at maturity
The estimated value of the Notes at pricing is expected to be between $922.50 and $952.50 per Note, below the public offering price of $1,000. Notes will be sold through TD Securities with up to 0.50% dealer commission.
Toronto Dominion Bank has issued $2,000,000 in Callable Fixed Rate Notes due June 30, 2027. The notes will pay a fixed interest rate of 4.40% per annum, with quarterly interest payments on the last calendar day of March, June, September, and December, starting September 30, 2025.
Key features include:
- Optional call dates beginning December 31, 2025, allowing TD to redeem notes in whole with 5 business days' notice
- Notes are bail-inable debt securities subject to conversion into common shares under CDIC Act
- Issue price is 100% of $1,000 principal amount per note
- TD Securities (USA) LLC will receive a commission of $5.70 (0.57%) per note
The notes are unsecured, not insured by CDIC or FDIC, and subject to TD's credit risk. They will not be listed on any securities exchange. The offering raised $1,988,600 in net proceeds for TD after underwriting discounts.
Toronto Dominion Bank has issued $2,000,000 in Callable Fixed Rate Notes due June 30, 2028. The notes will pay a fixed interest rate of 4.60% per annum, with quarterly interest payments on the last calendar day of March, June, September, and December, starting September 30, 2025.
Key features include:
- Notes are callable by TD starting June 30, 2026, with 5 business days' notice
- Principal amount of $1,000 per note at 100% issue price
- Notes are bail-inable debt securities subject to conversion into common shares under CDIC Act
- Underwritten by TD Securities with a commission of $6.20 (0.62%) per note
Important risks: Notes are unsecured, not FDIC/CDIC insured, and subject to TD's credit risk. They will not be listed on any securities exchange. The notes are subject to Canadian bail-in powers, which may convert them to common shares in case of bank failure.
Toronto Dominion Bank has issued $500,000 in Digital S&P 500 Index-Linked Notes due August 6, 2029. The notes feature a unique digital payout structure tied to the S&P 500 Index performance.
Key terms include:
- Initial Level: 6,092.16 (S&P 500 Index as of June 25, 2025)
- Threshold Level: 80% of initial level (4,873.728)
- If final level ≥ threshold level: Investors receive $1,320.20 per $1,000 principal
- If final level < threshold level: Investors lose 1% for every 1% decline below initial level
Notable features: No interest payments, principal not guaranteed, unsecured obligations. Initial estimated value of $959.60 per $1,000 principal is below offering price. Notes are being sold at $1,000 per note with a 3.28% underwriting discount. Notes will not be listed on any exchange and subject to TD's credit risk.
Toronto Dominion Bank has filed a Free Writing Prospectus for Callable Contingent Income Securities due July 9, 2027, linked to the performance of the Nasdaq-100, Russell 2000, and S&P 500 indices. The securities offer:
- Principal amount of $1,000 per security with potential quarterly coupons of $23.90 (9.56% per annum)
- Contingent coupon payments if all underlying indices remain above 70% of their initial values during observation periods
- Early redemption feature allowing TD to call the securities at its discretion
- Risk of principal loss if any index falls below 70% threshold at maturity
Key risks include potential significant loss of principal, no guaranteed coupon payments, and limited upside potential. The estimated value ($935-$965) is less than the offering price, reflecting underwriting discounts and hedging costs. Securities are subject to TD's credit risk and will not be listed on any exchange.
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