WallStSmart

Otter Tail Corporation (OTTR)vsToronto Dominion Bank (TD)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Toronto Dominion Bank generates 4960% more annual revenue ($65.98B vs $1.30B). TD leads profitability with a 33.0% profit margin vs 21.2%. TD appears more attractively valued with a PEG of 1.01. TD earns a higher WallStSmart Score of 83/100 (A-).

OTTR

Buy

63

out of 100

Grade: C+

Growth: 2.7Profit: 7.5Value: 7.3Quality: 6.3
Piotroski: 2/9Altman Z: 1.67

TD

Exceptional Buy

83

out of 100

Grade: A-

Growth: 9.3Profit: 8.0Value: 10.0Quality: 3.0
Piotroski: 5/9Altman Z: -0.64
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

OTTRSignificantly Overvalued (-92.9%)

Margin of Safety

-92.9%

Fair Value

$44.54

Current Price

$86.55

$42.01 premium

UndervaluedFair: $44.54Overvalued
TDUndervalued (+77.4%)

Margin of Safety

+77.4%

Fair Value

$420.26

Current Price

$94.30

$325.96 discount

UndervaluedFair: $420.26Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

OTTR4 strengths · Avg: 8.3/10
Profit MarginProfitability
21.2%9/10

Keeps 21 of every $100 in revenue as profit

P/E RatioValuation
13.3x8/10

Attractively priced relative to earnings

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

Operating MarginProfitability
22.2%8/10

Strong operational efficiency at 22.2%

TD6 strengths · Avg: 9.8/10
P/E RatioValuation
10.4x10/10

Attractively priced relative to earnings

Profit MarginProfitability
33.0%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
35.9%10/10

Strong operational efficiency at 35.9%

EPS GrowthGrowth
51.3%10/10

Earnings expanding 51.3% YoY

Free Cash FlowQuality
$35.15B10/10

Generating 35.1B in free cash flow

Market CapQuality
$156.82B9/10

Large-cap with strong market position

Areas to Watch

OTTR4 concerns · Avg: 3.8/10
PEG RatioValuation
1.724/10

Expensive relative to growth rate

Revenue GrowthGrowth
1.6%4/10

1.6% revenue growth

Altman Z-ScoreHealth
1.674/10

Distress zone — elevated risk

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

TD2 concerns · Avg: 1.5/10
Altman Z-ScoreHealth
-0.642/10

Distress zone — elevated risk

Debt/EquityHealth
2.141/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : OTTR

The strongest argument for OTTR centers on Profit Margin, P/E Ratio, Price/Book. Profitability is solid with margins at 21.2% and operating margin at 22.2%.

Bull Case : TD

The strongest argument for TD centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 33.0% and operating margin at 35.9%. Revenue growth of 21.1% demonstrates continued momentum.

Bear Case : OTTR

The primary concerns for OTTR are PEG Ratio, Revenue Growth, Altman Z-Score.

Bear Case : TD

The primary concerns for TD are Altman Z-Score, Debt/Equity. Debt-to-equity of 2.14 is elevated, increasing financial risk.

Key Dynamics to Monitor

OTTR profiles as a value stock while TD is a growth play — different risk/reward profiles.

TD carries more volatility with a beta of 0.85 — expect wider price swings.

TD is growing revenue faster at 21.1% — sustainability is the question.

TD generates stronger free cash flow (35.1B), providing more financial flexibility.

Bottom Line

TD scores higher overall (83/100 vs 63/100), backed by strong 33.0% margins and 21.1% revenue growth. Both earn "Exceptional Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Otter Tail Corporation

INDUSTRIALS · CONGLOMERATES · USA

Otter Tail Corporation is engaged in electrical service, manufacturing and plastic piping businesses in the United States. The company is headquartered in Fergus Falls, Minnesota.

Toronto Dominion Bank

FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA

Toronto-Dominion Bank offers a variety of personal and commercial banking products and services in Canada and the United States. The company is headquartered in Toronto, Canada.

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