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BNS or RY or TD
Which Stock Would AI Choose? Bank of Nova Scotia (BNS) vs. Royal Bank of Canada (RY) vs. Toronto-Dominion Bank (TD) Stock Comparison
Key Takeaways
- BNS, RY, and TD are leading Canadian banks with diversified operations across retail, commercial, wealth management, and capital markets.
- In recent market activity, all three reported strong quarterly earnings that exceeded analyst expectations, supported by growth in wealth management and capital markets.
- TD has shown relatively stronger year-to-date total returns compared with peers, while RY maintains the largest market capitalization and broadest diversification.
- BNS offers higher dividend yields but has trailed in recent relative performance amid its international exposure.
- Valuation metrics show TD trading at a lower price-to-earnings ratio than RY, reflecting differences in growth profiles and risk factors.
- Market sentiment remains constructive across the group due to resilient earnings and capital positions, with trade-offs in stability versus growth potential.
Introduction
Bank of Nova Scotia (BNS), Royal Bank of Canada (RY), and Toronto-Dominion Bank (TD) represent core holdings in the Canadian banking sector. These institutions compete in similar domestic markets while differing in international reach, business mix, and growth drivers. Investors and traders focused on financials often compare them to assess relative performance, dividend sustainability, and positioning within a stable yet competitive industry. This analysis highlights observable factors from recent market activity to inform portfolio decisions without favoring any single name.
BNS Overview and Recent Performance
Bank of Nova Scotia operates as a major Canadian bank with significant international operations, particularly in Latin America and the Caribbean. Its business spans personal and commercial banking, wealth management, and capital markets. In recent market activity, BNS shares have reflected broader sector strength tied to solid quarterly results and stable net interest income. Sentiment has been supported by consistent dividend payouts and capital management, though relative performance has lagged peers amid its heavier international weighting. Broader economic factors, including Canadian interest rate dynamics, have influenced trading patterns over recent weeks.
RY Overview and Recent Performance
Royal Bank of Canada is Canada’s largest bank by market capitalization, offering diversified services across personal banking, wealth management, insurance, and capital markets with a growing U.S. presence. Recent market activity shows RY maintaining steady momentum, bolstered by strong earnings in wealth and markets segments. The stock has benefited from its scale and diversified revenue streams, which provide resilience during varying economic conditions. Investor sentiment remains positive due to consistent profitability metrics and a conservative approach to credit risk over the recent period.
TD Overview and Recent Performance
Toronto-Dominion Bank focuses heavily on retail and commercial banking in Canada and the United States, complemented by wealth management. In recent market activity, TD has delivered notable price appreciation alongside robust quarterly earnings that surpassed expectations. Performance has been aided by strength in its core domestic operations and ongoing integration efforts following prior regulatory matters. Sentiment has improved with evidence of earnings resilience, though the bank continues to navigate competitive pressures in its key markets over recent weeks.
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Head-to-Head Comparison
The three banks share exposure to Canadian economic cycles and interest rate environments but differ in business emphasis. RY leads in scale and diversification, offering greater stability through wealth management and capital markets revenue. TD emphasizes retail banking with notable U.S. exposure, which has driven recent momentum but introduces regulatory and competitive considerations. BNS carries more international operations, potentially amplifying growth in favorable conditions yet increasing sensitivity to emerging-market factors.
Recent relative performance shows TD ahead on a year-to-date basis, while RY exhibits lower volatility. Valuation sensitivity varies, with TD appearing more attractively priced on earnings multiples compared with RY. Risk factors include credit normalization across the sector and sector-specific issues such as BNS’s geographic concentration. Market sentiment favors the group overall due to resilient earnings, though trade-offs center on growth consistency versus dividend yield and stability.
Tickeron AI Verdict
Based on observable factors such as trend consistency, earnings stability, and relative positioning in recent market activity, Tickeron’s AI would currently assign a higher probabilistic preference to RY. Its scale, diversified revenue streams, and consistent performance metrics provide a balanced profile that aligns with steadier positioning amid sector-wide developments. This assessment reflects data-driven probabilities rather than certainty and does not constitute investment advice.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
BNS’s FA Score shows that 1 FA rating(s) are green whileRY’s FA Score has 3 green FA rating(s), and TD’s FA Score reflects 2 green FA rating(s).
- BNS’s FA Score: 1 green, 4 red.
- RY’s FA Score: 3 green, 2 red.
- TD’s FA Score: 2 green, 3 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
BNS’s TA Score shows that 4 TA indicator(s) are bullish while RY’s TA Score has 4 bullish TA indicator(s), and TD’s TA Score reflects 3 bullish TA indicator(s).
- BNS’s TA Score: 4 bullish, 3 bearish.
- RY’s TA Score: 4 bullish, 3 bearish.
- TD’s TA Score: 3 bullish, 4 bearish.
Price Growth
BNS (@Major Banks) experienced а +1.62% price change this week, while RY (@Major Banks) price change was +3.42% , and TD (@Major Banks) price fluctuated +1.90% for the same time period.
The average weekly price growth across all stocks in the @Major Banks industry was +0.35%. For the same industry, the average monthly price growth was +4.13%, and the average quarterly price growth was +12.30%.
Reported Earning Dates
BNS is expected to report earnings on Aug 25, 2026.
RY is expected to report earnings on Aug 27, 2026.
TD is expected to report earnings on Aug 27, 2026.
Industries' Descriptions
@Major Banks (+0.35% weekly)Major banks are among the biggest companies in the world, often times with global reach and market capitalizations in the multi-billions. Large banks often have multiple arms spanning different disciplines, from deposits, to investment banking, to wealth management and insurance. The biggest banks often have key competitive advantages over smaller players in the industry in terms of brand recognition, cost of capital, and efficiency. Think J.P. Morgan, Bank of America, Wells Fargo, and Citigroup.
| BNS | RY | TD | |
| Capitalization | 100B | 275B | 189B |
| EBITDA | N/A | N/A | N/A |
| Gain YTD | 10.680 | 15.907 | 21.550 |
| P/E Ratio | 15.69 | 17.92 | 18.74 |
| Revenue | 38.4B | 69.5B | 63.8B |
| Total Cash | N/A | N/A | N/A |
| Total Debt | 340B | 574B | 474B |
BNS | RY | TD | ||
|---|---|---|---|---|
OUTLOOK RATING 1..100 | 29 | 66 | 20 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 43 Fair valued | 89 Overvalued | 76 Overvalued | |
PROFIT vs RISK RATING 1..100 | 70 | 16 | 37 | |
SMR RATING 1..100 | 5 | 4 | 4 | |
PRICE GROWTH RATING 1..100 | 42 | 40 | 40 | |
P/E GROWTH RATING 1..100 | 49 | 27 | 12 | |
SEASONALITY SCORE 1..100 | 50 | 50 | 35 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
BNS's Valuation (43) in the Major Banks industry is somewhat better than the same rating for TD (76) and is somewhat better than the same rating for RY (89). This means that BNS's stock grew somewhat faster than TD’s and somewhat faster than RY’s over the last 12 months.
RY's Profit vs Risk Rating (16) in the Major Banks industry is in the same range as TD (37) and is somewhat better than the same rating for BNS (70). This means that RY's stock grew similarly to TD’s and somewhat faster than BNS’s over the last 12 months.
RY's SMR Rating (4) in the Major Banks industry is in the same range as TD (4) and is in the same range as BNS (5). This means that RY's stock grew similarly to TD’s and similarly to BNS’s over the last 12 months.
RY's Price Growth Rating (40) in the Major Banks industry is in the same range as TD (40) and is in the same range as BNS (42). This means that RY's stock grew similarly to TD’s and similarly to BNS’s over the last 12 months.
TD's P/E Growth Rating (12) in the Major Banks industry is in the same range as RY (27) and is somewhat better than the same rating for BNS (49). This means that TD's stock grew similarly to RY’s and somewhat faster than BNS’s over the last 12 months.
| BNS | RY | TD | |
|---|---|---|---|
| RSI ODDS (%) | 1 day ago 47% | 1 day ago 47% | 1 day ago 42% |
| Stochastic ODDS (%) | 1 day ago 30% | N/A | 1 day ago 42% |
| Momentum ODDS (%) | 1 day ago 52% | 7 days ago 45% | 7 days ago 55% |
| MACD ODDS (%) | 1 day ago 63% | 1 day ago 59% | 1 day ago 49% |
| TrendWeek ODDS (%) | 1 day ago 50% | 1 day ago 44% | 1 day ago 54% |
| TrendMonth ODDS (%) | 1 day ago 44% | 1 day ago 38% | 1 day ago 52% |
| Advances ODDS (%) | 3 days ago 50% | 3 days ago 47% | 3 days ago 53% |
| Declines ODDS (%) | N/A | 15 days ago 53% | N/A |
| BollingerBands ODDS (%) | 1 day ago 48% | 1 day ago 32% | 1 day ago 50% |
| Aroon ODDS (%) | 1 day ago 38% | 1 day ago 34% | 1 day ago 48% |
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BNS and
Correlation & Price change
A.I.dvisor indicates that over the last year, BNS has been closely correlated with BMO. These tickers have moved in lockstep 72% of the time. This A.I.-generated data suggests there is a high statistical probability that if BNS jumps, then BMO could also see price increases.
TD and
Correlation & Price change
A.I.dvisor indicates that over the last year, TD has been closely correlated with RY. These tickers have moved in lockstep 70% of the time. This A.I.-generated data suggests there is a high statistical probability that if TD jumps, then RY could also see price increases.