Citigroup Inc. (C)vsCanadian Imperial Bank Of Commerce (CM)
C
Citigroup Inc.
$125.55
-2.74%
FINANCIAL SERVICES · Cap: $225.82B
CM
Canadian Imperial Bank Of Commerce
$110.01
-0.45%
FINANCIAL SERVICES · Cap: $103.28B
Smart Verdict
WallStSmart Research — data-driven comparison
Citigroup Inc. generates 182% more annual revenue ($78.73B vs $27.91B). CM leads profitability with a 33.5% profit margin vs 20.4%. C appears more attractively valued with a PEG of 0.71. C earns a higher WallStSmart Score of 82/100 (A-).
C
Exceptional Buy82
out of 100
Grade: A-
CM
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Reasonable price relative to book value
Strong operational efficiency at 34.1%
Earnings expanding 56.1% YoY
Keeps 20 of every $100 in revenue as profit
Growing faster than its price suggests
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 44.7%
Large-cap with strong market position
Attractively priced relative to earnings
Reasonable price relative to book value
16.7% revenue growth
Areas to Watch
ROE of 7.7% — below average capital efficiency
Negative free cash flow — burning cash
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : C
The strongest argument for C centers on Market Cap, Price/Book, Operating Margin. Profitability is solid with margins at 20.4% and operating margin at 34.1%. Revenue growth of 16.9% demonstrates continued momentum.
Bull Case : CM
The strongest argument for CM centers on Profit Margin, Operating Margin, Market Cap. Profitability is solid with margins at 33.5% and operating margin at 44.7%. Revenue growth of 16.7% demonstrates continued momentum.
Bear Case : C
The primary concerns for C are Return on Equity, Free Cash Flow.
Bear Case : CM
The primary concerns for CM are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 5.55 is elevated, increasing financial risk.
Key Dynamics to Monitor
CM carries more volatility with a beta of 1.30 — expect wider price swings.
C is growing revenue faster at 16.9% — sustainability is the question.
CM generates stronger free cash flow (-2.5B), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
C scores higher overall (82/100 vs 75/100), backed by strong 20.4% margins and 16.9% revenue growth. Both earn "Exceptional Buy" and "Strong 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.
Citigroup Inc.
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Citigroup Inc. is an American multinational investment bank and financial services corporation headquartered in New York City. The company was formed by the merger of banking giant Citicorp and financial conglomerate Travelers Group in 1998; Travelers was subsequently spun off from the company in 2002. Citigroup owns Citicorp, the holding company for Citibank, as well as several international subsidiaries. Citigroup is incorporated in Delaware.
Canadian Imperial Bank Of Commerce
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Canadian Imperial Bank of Commerce, a diversified financial institution, offers a variety of financial products and services to personal, commercial, public sector, and institutional clients in Canada, the United States, and internationally. The company is headquartered in Toronto, Canada.
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