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CM vs RY
Which Stock Would AI Choose? Canadian Imperial Bank of Commerce (CM) vs. Royal Bank of Canada (RY) Stock Comparison
Key Takeaways
- CM has posted stronger year-to-date (YTD) returns than RY amid recent Canadian banking sector activity.
- Both stocks represent major Canadian banks with diversified operations across retail, commercial, and wealth management segments.
- Recent market sentiment has favored CM due to analyst price target increases and board enhancements.
- RY maintains a larger market capitalization and global presence, contributing to relative stability in broader market conditions.
- Upcoming earnings for CM and ongoing sector developments provide key catalysts for both stocks in the near term.
- Relative performance highlights trade-offs between CM’s momentum and RY’s scale and dividend consistency.
Introduction
Canadian Imperial Bank of Commerce (CM) and Royal Bank of Canada (RY) are two prominent Canadian banks frequently compared by investors seeking exposure to the financial services sector. This analysis examines their recent performance, business profiles, and market positioning to assist traders and long-term investors evaluating relative opportunities in Canadian banking stocks. The comparison is particularly relevant for those focused on dividend income, sector trends, and momentum indicators within the broader North American market environment.
CM Overview and Recent Performance
Canadian Imperial Bank of Commerce (CM) operates as a diversified financial institution with core activities in personal and commercial banking, wealth management, and capital markets. In recent weeks, the stock has shown notable resilience, with YTD returns exceeding 29% as of late August 2026. Recent market activity has been supported by analyst upgrades, including several price target increases, and the appointment of a technology executive to the board. These developments have contributed to positive sentiment, though the company faces typical sector risks such as interest rate fluctuations and credit conditions ahead of its earnings release scheduled for late August.
RY Overview and Recent Performance
Royal Bank of Canada (RY) is Canada’s largest bank by market capitalization, offering extensive retail, commercial, wealth, and capital markets services with a significant international footprint. The stock has delivered solid YTD gains around 25% in recent market activity, supported by strategic moves such as the announced sale of its Moneris joint venture stake. Analyst commentary has included multiple price target raises, reflecting confidence in its scale and diversified revenue streams. Performance has remained consistent despite broader market consolidation, underscoring its established position within the Canadian banking sector.
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Head-to-Head Comparison
In terms of business model, both CM and RY operate diversified Canadian banks, yet RY benefits from greater scale and international operations while CM emphasizes targeted growth initiatives. Recent momentum has favored CM with higher YTD returns, whereas RY has demonstrated steadier positioning supported by larger asset base and consistent analyst support. Risk factors include shared exposure to Canadian economic conditions and interest rates, though RY’s size may offer relative resilience. Sector sentiment remains constructive for both, with trade-offs centering on CM’s outperformance versus RY’s established market leadership and dividend profile.
Tickeron AI Verdict
Based on observable factors such as recent trend consistency and relative momentum, Tickeron’s AI would currently assign a probabilistic edge to CM over RY. This assessment reflects CM’s stronger YTD performance and recent positive catalysts within the Canadian banking sector, though RY’s larger scale and stability metrics continue to support its competitive standing. Market conditions can shift, warranting ongoing monitoring of both stocks.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is CM is a Hold and RY is a StrongBuy.
| CM | RY | CM / RY | |
| Capitalization | 105B | 286B | 37% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 26.520 | 20.770 | 128% |
| P/E Ratio | 15.19 | 17.92 | 85% |
| Revenue | 32.2B | 71.1B | 45% |
| Total Cash | N/A | N/A | - |
| Total Debt | 222B | 595B | 37% |
CM | RY | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 61 | 69 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 79 Overvalued | 90 Overvalued | |
PROFIT vs RISK RATING 1..100 | 26 | 14 | |
SMR RATING 1..100 | 4 | 3 | |
PRICE GROWTH RATING 1..100 | 45 | 43 | |
P/E GROWTH RATING 1..100 | 28 | 25 | |
SEASONALITY SCORE 1..100 | 65 | 75 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
CM's Valuation (79) in the Investment Trusts Or Mutual Funds industry is in the same range as RY (90) in the Major Banks industry. This means that CM’s stock grew similarly to RY’s over the last 12 months.
RY's Profit vs Risk Rating (14) in the Major Banks industry is in the same range as CM (26) in the Investment Trusts Or Mutual Funds industry. This means that RY’s stock grew similarly to CM’s over the last 12 months.
RY's SMR Rating (3) in the Major Banks industry is in the same range as CM (4) in the Investment Trusts Or Mutual Funds industry. This means that RY’s stock grew similarly to CM’s over the last 12 months.
RY's Price Growth Rating (43) in the Major Banks industry is in the same range as CM (45) in the Investment Trusts Or Mutual Funds industry. This means that RY’s stock grew similarly to CM’s over the last 12 months.
RY's P/E Growth Rating (25) in the Major Banks industry is in the same range as CM (28) in the Investment Trusts Or Mutual Funds industry. This means that RY’s stock grew similarly to CM’s over the last 12 months.
| CM | RY | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 51% | N/A |
| Stochastic ODDS (%) | 2 days ago 47% | 2 days ago 46% |
| Momentum ODDS (%) | 2 days ago 53% | 2 days ago 47% |
| MACD ODDS (%) | 2 days ago 44% | 2 days ago 51% |
| TrendWeek ODDS (%) | 2 days ago 51% | 2 days ago 48% |
| TrendMonth ODDS (%) | 2 days ago 53% | 2 days ago 45% |
| Advances ODDS (%) | 10 days ago 56% | 10 days ago 49% |
| Declines ODDS (%) | 3 days ago 52% | 2 days ago 53% |
| BollingerBands ODDS (%) | 2 days ago 58% | 2 days ago 67% |
| Aroon ODDS (%) | N/A | N/A |
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is overvalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
CM’s FA Score shows that 3 FA rating(s) are green while RY’s FA Score has 3 green FA rating(s).
- CM’s FA Score: 3 green, 2 red.
- RY’s FA Score: 3 green, 2 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
CM’s TA Score shows that 1 TA indicator(s) are bullish while RY’s TA Score has 3 bullish TA indicator(s).
- CM’s TA Score: 1 bullish, 8 bearish.
- RY’s TA Score: 3 bullish, 5 bearish.
Price Growth
CM (@Major Banks) experienced а -2.43% price change this week, while RY (@Major Banks) price change was -2.23% for the same time period.
The average weekly price growth across all stocks in the @Major Banks industry was -0.86%. For the same industry, the average monthly price growth was -0.40%, and the average quarterly price growth was +35.41%.
Reported Earning Dates
CM is expected to report earnings on Dec 03, 2026.
RY is expected to report earnings on Dec 03, 2026.
Industries' Descriptions
@Major Banks (-0.86% weekly)Major banks are among the biggest companies in the world, often times with global reach and market capitalizations in the multi-billions. Large banks often have multiple arms spanning different disciplines, from deposits, to investment banking, to wealth management and insurance. The biggest banks often have key competitive advantages over smaller players in the industry in terms of brand recognition, cost of capital, and efficiency. Think J.P. Morgan, Bank of America, Wells Fargo, and Citigroup.
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CM and
Correlation & Price change
A.I.dvisor indicates that over the last year, CM has been closely correlated with BMO. These tickers have moved in lockstep 80% of the time. This A.I.-generated data suggests there is a high statistical probability that if CM jumps, then BMO could also see price increases.
RY and
Correlation & Price change
A.I.dvisor indicates that over the last year, RY has been closely correlated with BNS. These tickers have moved in lockstep 76% of the time. This A.I.-generated data suggests there is a high statistical probability that if RY jumps, then BNS could also see price increases.