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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
- Both CM and RY are major Canadian banks that have delivered strong year-to-date gains, with CM showing notably higher total returns in recent market activity.
- CM has benefited from robust capital markets performance and record quarterly results, contributing to its outperformance relative to broader Canadian indices.
- RY, the largest Canadian bank by assets, has maintained steady growth through diversified segments including wealth management and personal banking.
- Recent earnings reports for both banks highlighted revenue and net income increases, supported by favorable market conditions in early 2026.
- Valuation metrics and analyst sentiment reflect positive positioning for both stocks amid ongoing sector stability.
- Relative momentum favors CM in the short term based on recent price appreciation and earnings beats.
Introduction
Canadian Imperial Bank of Commerce (CM) and Royal Bank of Canada (RY) represent two leading institutions in Canada's financial sector. This comparison examines their business profiles, recent performance trends, and market positioning to assist investors and traders evaluating large-cap bank stocks. The analysis is particularly relevant for those focused on dividend-paying financials, sector rotation strategies, or relative strength within North American banking equities.
CM Overview and Recent Performance
Canadian Imperial Bank of Commerce (CM) operates as a diversified financial services provider with significant operations in retail banking, capital markets, and wealth management. In recent weeks, the stock has exhibited strong upward momentum, posting year-to-date total returns exceeding 27% and one-year returns near 76%, outpacing the S&P/TSX Composite index. Positive sentiment stems from robust first-quarter results driven by capital markets strength and margin expansion. The shares have traded near multi-year highs amid analyst target upgrades and consistent earnings outperformance.
RY Overview and Recent Performance
Royal Bank of Canada (RY) is Canada's largest bank by market capitalization and total assets, offering a broad suite of services across personal and commercial banking, wealth management, insurance, and capital markets. Recent market activity shows solid but more measured gains compared with peers, with year-to-date total returns around 11-13% and one-year returns near 54%. First-quarter results featured record net income supported by growth in wealth management and personal banking, alongside stable capital ratios that have reinforced investor confidence in the stock's defensive qualities.
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Head-to-Head Comparison
In business model terms, RY maintains a broader international footprint and larger scale, providing greater diversification but potentially lower agility in domestic capital markets. CM has shown more pronounced recent momentum through targeted strength in wholesale banking activities. Growth drivers for both include net interest income and fee-based revenues, though CM has recorded comparatively sharper quarterly improvements. Risk factors such as interest rate sensitivity and credit quality exposure remain similar across the sector, with RY benefiting from its size-driven stability. Market sentiment has tilted toward CM due to its superior recent total returns and earnings surprises, while RY offers a more established track record of consistent dividend growth and lower volatility.
Tickeron AI Verdict
Based on observable factors including trend consistency, earnings momentum, and relative price appreciation, Tickeron’s AI would likely assign a higher probabilistic preference to CM in the current environment. The stock’s stronger recent performance metrics and capital markets contributions suggest a favorable positioning relative to RY, though outcomes remain subject to broader macroeconomic developments.
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 Buy and RY is a Buy.
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 undervalued. 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 whileRY’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 6 TA indicator(s) are bullish while RY’s TA Score has 2 bullish TA indicator(s).
- CM’s TA Score: 6 bullish, 3 bearish.
- RY’s TA Score: 2 bullish, 3 bearish.
Price Growth
CM (@Major Banks) experienced а +0.29% price change this week, while RY (@Major Banks) price change was +1.84% for the same time period.
The average weekly price growth across all stocks in the @Major Banks industry was +0.98%. For the same industry, the average monthly price growth was +7.87%, and the average quarterly price growth was +16.30%.
Reported Earning Dates
CM is expected to report earnings on Aug 27, 2026.
RY is expected to report earnings on Aug 27, 2026.
Industries' Descriptions
@Major Banks (+0.98% 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.
| CM | RY | CM / RY | |
| Capitalization | 104B | 281B | 37% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 25.814 | 18.916 | 136% |
| P/E Ratio | 16.02 | 18.68 | 86% |
| Revenue | 31.1B | 69.5B | 45% |
| Total Cash | N/A | N/A | - |
| Total Debt | 216B | 574B | 38% |
CM | RY | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 74 | 21 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 79 Overvalued | 90 Overvalued | |
PROFIT vs RISK RATING 1..100 | 26 | 18 | |
SMR RATING 1..100 | 6 | 4 | |
PRICE GROWTH RATING 1..100 | 44 | 42 | |
P/E GROWTH RATING 1..100 | 27 | 27 | |
SEASONALITY SCORE 1..100 | 50 | 50 |
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 (18) 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 (4) in the Major Banks industry is in the same range as CM (6) 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 (42) in the Major Banks industry is in the same range as CM (44) 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 (27) in the Major Banks industry is in the same range as CM (27) 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 50% | 2 days ago 50% |
| Stochastic ODDS (%) | 2 days ago 55% | N/A |
| Momentum ODDS (%) | 2 days ago 70% | N/A |
| MACD ODDS (%) | 2 days ago 68% | N/A |
| TrendWeek ODDS (%) | 2 days ago 59% | 2 days ago 44% |
| TrendMonth ODDS (%) | 2 days ago 54% | 2 days ago 39% |
| Advances ODDS (%) | 8 days ago 54% | 2 days ago 47% |
| Declines ODDS (%) | 6 days ago 53% | 27 days ago 53% |
| BollingerBands ODDS (%) | 2 days ago 71% | 2 days ago 45% |
| Aroon ODDS (%) | 2 days ago 55% | 2 days ago 36% |
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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 72% 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 CM. These tickers have moved in lockstep 69% of the time. This A.I.-generated data suggests there is a high statistical probability that if RY jumps, then CM could also see price increases.