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 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. Key features include:
- Principal amount of $1,000 per security with 8.25% per annum contingent quarterly coupon ($20.625)
- Coupon payments contingent on all underlying indices staying above 65% threshold during observation periods
- Early redemption option available at issuer's discretion on contingent coupon payment dates
- Principal at risk if any index falls below 65% threshold at maturity
- Estimated value between $935-$965 per security, below offering price
Notable risks include potential significant loss of principal, no guaranteed coupon payments, limited upside potential, and exposure to multiple index risks. Securities will not be listed on any exchange, and investors are subject to TD's credit risk.
Toronto Dominion Bank has filed a 424B2 for Callable Contingent Income Securities due July 9, 2027, linked to the worst-performing of Nasdaq-100, Russell 2000, and S&P 500 indices. The securities offer contingent quarterly coupons of $23.90 (9.56% per annum) if all underlying indices remain above their 70% threshold levels during observation periods.
Key features:
- Principal at risk with potential for complete loss if any index falls below 70% threshold at maturity
- Early redemption option available at issuer's discretion
- $1,000 stated principal amount per security
- No regular interest payments guaranteed
- Estimated value between $935-$965 per security, below offering price
The securities are unsecured obligations subject to TD's credit risk, with no listing on exchanges. Distribution includes a $20 fee per security ($15 sales commission + $5 structuring fee) through Morgan Stanley Wealth Management.
Toronto Dominion Bank has issued $2.87 million in Leveraged Capped Buffered MSCI EAFE Index-Linked Notes due August 13, 2027. These structured notes offer investors exposure to the MSCI EAFE Index with the following key features:
- Initial index level: 2,601.76 with 26-month term
- Upside leverage of 250% subject to maximum return of 21.925%
- 15% downside buffer protection, below which losses are magnified by 117.65%
- Notes priced at $1,000 per unit with initial estimated value of $978.10
The notes do not pay interest and are subject to TD's credit risk. At maturity, payment depends on MSCI EAFE Index performance: full upside participation (leveraged) to cap, return of principal within buffer zone, or magnified losses below buffer. Notes are not listed on exchanges and involve risks including potential loss of principal.
Toronto Dominion Bank has filed a prospectus supplement for Callable Contingent Income Securities due July 9, 2027, linked to the worst-performing of the Nasdaq-100, Russell 2000, and S&P 500 indices. The securities offer:
Key features include:
- Quarterly contingent coupon of $20.625 (8.25% p.a.) if all indices remain above 65% of initial values during observation period
- Early redemption option at issuer's discretion on any coupon payment date
- Principal at risk: investors face 1-to-1 loss if any index falls below 65% threshold at maturity
- $1,000 principal amount per security
The estimated value at pricing ($935-$965) is below the offering price of $1,000. Securities involve significant risks including possible loss of principal, no guaranteed coupons, and credit risk of TD Bank. Morgan Stanley Wealth Management will receive $20 per security in fees and commissions.
Toronto Dominion Bank has issued $900,000 in Autocallable Contingent Interest Barrier Notes linked to the performance of the Nasdaq-100, Russell 2000, and S&P 500 indices, due June 29, 2028. The notes offer potential quarterly interest payments of $25.30 per $1,000 principal amount, subject to performance conditions.
Key features include:
- 3-year term with automatic call feature if all indices close at or above initial levels on quarterly review dates
- 80% barrier level for each index
- Principal at risk - investors can lose up to 100% of investment if any index falls below barrier at maturity
- Initial levels: NDX: 22,237.74, RTY: 2,136.185, SPX: 6,092.16
- Estimated value of $969.00 per note, below the $1,000 offering price
The notes are designed for investors seeking enhanced yield potential who can accept significant downside market risk and are willing to forgo direct index participation. TD Securities will receive a $20.00 commission per note, with JPMS LLC acting as placement agent.
Toronto-Dominion Bank has filed a Free Writing Prospectus for Autocallable Strategic Accelerated Redemption Securities linked to the EURO STOXX 50® Index. Key features include:
- Principal amount of $10.00 per unit with approximately 5-year term
- Automatic call feature if the index reaches or exceeds 100% of starting value on observation dates
- Call amounts ranging from $10.70-$10.80 (Year 1) to $13.50-$14.00 (Year 5)
- If not called, investors face 1-to-1 downside exposure beyond 15% decline
- Maximum loss potential of 85% of principal
Key Risks: Credit risk of TD Bank, no guaranteed principal return, limited upside potential if called, and exposure to Eurozone market risks. The initial estimated value will be less than the public offering price, and secondary market value may be lower than both.
Toronto Dominion Bank has filed a prospectus supplement for Autocallable Strategic Accelerated Redemption Securities linked to the EURO STOXX 50 Index, due July 2030. The securities, priced at $10 per unit, feature an automatic call provision with increasing call premiums over five observation dates.
Key features include:
- Automatic call triggers if the index closes at or above starting value on observation dates
- Call amounts range from [$10.70-$10.80] in year 1 to [$13.50-$14.00] in year 5
- Principal protection if index doesn't decline more than 15% from starting value
- 1:1 downside exposure beyond 15% decline, with up to 85% principal at risk
- Initial estimated value between $9.151-$9.451 per unit
Notable terms: No periodic interest payments, includes $0.05 hedging charge per unit, limited secondary market liquidity, and not FDIC/CDIC insured. Securities are subject to Toronto Dominion Bank's credit risk and are being distributed by BofA Securities.
Toronto Dominion Bank has filed a prospectus supplement for Callable Fixed Rate Notes due July 11, 2032 with key features:
- Interest Rate: Fixed rate of 5.00% per annum, paid quarterly
- Principal Amount: $1,000 per Note
- Optional Call Feature: Redeemable quarterly starting October 11, 2026
- Issue Price: 100% of Principal Amount
- CUSIP/ISIN: 89115JBC6/US89115JBC62
Notable features include bail-in provisions allowing conversion to common shares under CDIC Act. Notes are unsecured, not CDIC or FDIC insured, and subject to TD's credit risk. Interest payments occur on the 11th of January, April, July, and October, with first payment on October 11, 2025. TD Securities (USA) LLC will receive up to 3.45% commission per Note. The securities will not be listed on any exchange.
Toronto Dominion Bank has issued $330,000 in Callable Contingent Interest Barrier Notes linked to the performance of the Nasdaq-100, Russell 2000, and S&P 500 indices, due June 30, 2027. Key features include:
The notes offer a contingent interest rate of 8.20% per annum, payable monthly if all reference assets close at or above their barrier value (60% of initial value). TD has the option to call the notes monthly starting from the sixth payment date.
- Principal Amount: $1,000 per note
- Term: Approximately 2 years
- Contingent Interest Barrier: 60% of initial value
- Initial Values: NDX: 22,237.74, RTY: 2,136.185, SPX: 6,092.16
If not called early and held to maturity, investors risk losing their entire principal if any reference asset closes below its barrier value (60% of initial value) on the final valuation date. The loss will be proportional to the decline in the worst-performing index. The estimated value of each note at pricing was $977.70, below the offering price of $1,000.
Toronto Dominion Bank has filed a pricing supplement for Autocallable Contingent Barrier Notes linked to Alphabet Class A common stock, due June 30, 2027. The notes, with a principal amount of $1,000 per unit (minimum investment $10,000), offer investors potential returns through an automatic call feature and contingent principal protection.
Key features include:
- Automatic Call Feature: If Alphabet stock closes at or above $170.68 on July 8, 2026, notes will be called with an 18.48% premium ($184.80 per note)
- Maturity Payment Structure: If not called, investors receive either the greater of 36.96% return or stock's appreciation if stock is above initial price; full principal if stock is above barrier price ($136.544); or full downside exposure if below barrier
- Pricing Details: Public offering price is $1,000 per note with 1.50% underwriting discount. Estimated value between $945.00-$980.00 per note
The notes carry significant risks including potential loss of principal and are subject to TD Bank's credit risk. No periodic interest or dividend payments will be made.
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