Is SMFG or TD more undervalued in 2026?

CirclFi compares Sumitomo Mitsui Financial Group (SMFG) and Toronto Dominion Bank (The) (TD) using 13 institutional-grade valuation models. SMFG has a Quality of Company score of 7.2/10 while TD scores 7.4/10.

Which is a better buy — SMFG 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 SMFG and TD valuations compare?

SMFG at $21.97 and TD at $113.58 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

SMFG vs TD Valuation Comparison 2026 — Intrinsic Value Analysis

SMFG

Commercial Banks, NEC

Sumitomo Mitsui Financial Group

Quality

7.2

out of 10

Value Trap

LOW

Price

$21.97

Last close

Models

10/13

Active

TD

Commercial Banks, NEC

Toronto Dominion Bank (The)

Quality

7.4

out of 10

Value Trap

SAFE

Price

$113.58

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	SMFG Fair Value	SMFG Upside	TD Fair Value	TD Upside
Bayesian DCF	Intrinsic	—	—	$5.00	-95.6%
Earnings Power Value	Intrinsic	$116.24	+429.1%	$71.20	-37.3%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$92.70	+321.9%	$81.81	-28.0%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

🔒

Unlock Full 13-Model Comparison

Access all valuation models for SMFG vs TD — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more.

Access Full Analysis — From $27/mo →

SMFG vs TD — Which Stock Is More Undervalued?

TD scores higher with a 7.4/10 quality rating vs SMFG's 7.2/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Sumitomo Mitsui Financial Group (SMFG) 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.

SMFG currently trades at $21.97 with a QOC of 7.2/10, while TD trades at $113.58 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).