Canadian Imperial Bank Of Commerce (CM)vsRoyal Bank of Canada (RY)
CM
Canadian Imperial Bank Of Commerce
$114.64
+0.15%
FINANCIAL SERVICES · Cap: $106.68B
RY
Royal Bank of Canada
$205.90
-0.04%
FINANCIAL SERVICES · Cap: $291.55B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 124% more annual revenue ($67.15B vs $30.01B). RY leads profitability with a 33.9% profit margin vs 33.7%. CM appears more attractively valued with a PEG of 1.86. CM earns a higher WallStSmart Score of 73/100 (B).
CM
Strong Buy73
out of 100
Grade: B
RY
Buy63
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 40.0%
Large-cap with strong market position
Attractively priced relative to earnings
Reasonable price relative to book value
16.6% revenue growth
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 46.4%
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : CM
The strongest argument for CM centers on Profit Margin, Operating Margin, Market Cap. Profitability is solid with margins at 33.7% and operating margin at 40.0%. Revenue growth of 16.6% demonstrates continued momentum.
Bull Case : RY
The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.9% and operating margin at 46.4%.
Bear Case : CM
The primary concerns for CM are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.39 is elevated, increasing financial risk.
Bear Case : RY
The primary concerns for RY are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 2.88 is elevated, increasing financial risk.
Key Dynamics to Monitor
CM profiles as a growth stock while RY is a mature play — different risk/reward profiles.
CM carries more volatility with a beta of 1.25 — expect wider price swings.
CM is growing revenue faster at 16.6% — sustainability is the question.
CM generates stronger free cash flow (2.1B), providing more financial flexibility.
Bottom Line
CM scores higher overall (73/100 vs 63/100), backed by strong 33.7% margins and 16.6% revenue growth. Both earn "Strong 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.
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.
Visit Website →Royal Bank of Canada
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Royal Bank of Canada is a globally diversified financial services company. The company is headquartered in Toronto, Canada.
Compare with Other BANKS - DIVERSIFIED Stocks
Want to dig deeper into these stocks?