Is MUFG or TD more undervalued in 2026?

CirclFi compares Mitsubishi UFJ Financial Group, (MUFG) and Toronto Dominion Bank (The) (TD) using 13 institutional-grade valuation models. MUFG has a Quality of Company score of 7.8/10 while TD scores 7.4/10.

Which is a better buy — MUFG or TD?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do MUFG and TD valuations compare?

MUFG at $18.82 and TD at $113.34 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

MUFG vs TD Valuation Comparison 2026 — Intrinsic Value Analysis

MUFG

Banks - Diversified

Mitsubishi UFJ Financial Group,

Quality

7.8

out of 10

Value Trap

LOW

Price

$18.82

Last close

Models

8/13

Active

TD

Banks - Diversified

Toronto Dominion Bank (The)

Quality

7.4

out of 10

Value Trap

SAFE

Price

$113.34

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	MUFG Fair Value	MUFG Upside	TD Fair Value	TD Upside
Bayesian DCF	Intrinsic	—	—	$4.99	-95.6%
Earnings Power Value	Intrinsic	—	—	$71.07	-37.3%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$2.04	-89.2%	$80.09	-29.3%
Markov DDM	Intrinsic	$9.77	-48.1%	$189.65	+67.3%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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MUFG vs TD — Which Stock Is More Undervalued?

MUFG scores higher with a 7.8/10 quality rating vs TD's 7.4/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Mitsubishi UFJ Financial Group, (MUFG) and Toronto Dominion Bank (The) (TD) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

MUFG currently trades at $18.82 with a QOC of 7.8/10, while TD trades at $113.34 with a QOC of 7.4/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).