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Edge20 Feb 2026
Dollar General: The Rural Retailer Playbook
How Dollar General built a small-box empire across rural America, scaling value and convenience into one of retail's most durable business models.
TD Bank
TD Bank (TD) investor relations material
TD Bank Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 earnings summary26 Feb, 2026
Executive summary
Achieved record Q1 2026 earnings with adjusted net income of $4.2B and EPS of $2.44, driven by robust trading, fee income, and volume growth in Canadian and US banking, and margin expansion.
ROE reached 14.2% (adjusted), up 100 bps year-over-year, with positive operating leverage for the third consecutive quarter.
All major business lines reported record or strong earnings, with notable growth in Canadian P&C, US Banking, Wealth Management & Insurance, and Wholesale Banking.
Completed $8B share buyback, launched a new $7B program, and repurchased 84 million shares to date.
Continued investment in AI and digital initiatives, targeting $1B in value from AI over the medium term.
Financial highlights
Revenue grew 11% year-over-year (adjusted), with total reported revenue at $16,585 million.
Adjusted EPS rose 21% year-over-year to $2.44; reported EPS was $2.34.
CET1 ratio at 14.5%, with 19 million shares repurchased in Q1, reducing CET1 by 38 bps.
Adjusted ROE at 14.2%; adjusted ROTCE at 16.9%.
Adjusted efficiency ratio (net of ISE) improved to 57.1%.
Outlook and guidance
Fiscal 2026 targets: 6-8% adjusted EPS growth, 3-4% adjusted expense growth, positive operating leverage, and PCL ratio of 40-50 bps.
Managing towards a 13% CET1 ratio by H2 2027, with potential upside to ROE and EPS targets if macro conditions remain positive.
US Banking expected to achieve $2.9B in earnings for fiscal 2026.
Medium-term (F'29) targets include mid-to-high single-digit adjusted EPS growth and a dividend payout ratio of 40-50%.
Net interest margin in Canadian P&C expected to remain stable, with US Banking NIM to modestly increase in Q2 2026.
Update on BSA/AML remediation timeline beyond 2027
Annual savings from restructuring program
Nordstrom credit card conversion Q2 charge
Update on 16% ROE target acceleration
US loan growth: Q3 positive total loan growth?
AML remediation spend composition change
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Next TD Bank earnings date
2026 RBC Capital Markets Global Financial Institutions Conference11 Mar, 2026
TD Bank
Next TD Bank earnings date
2026 RBC Capital Markets Global Financial Institutions Conference11 Mar, 2026
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Toronto-Dominion Bank, offers various financial products and services in Canada, the United States, and internationally. It operates through three segments: Canadian Retail, U.S. Retail, and Wholesale Banking. The company provides personal deposit accounts, such as checking, savings accounts, non-chequable accounts, tax-free savings accounts, RRSPs/RRIFs deposits accounts, and self-directed registered accounts.
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