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CM or RY or TD
Which Stock Would AI Choose? Canadian Imperial Bank of Commerce (CM) vs. Royal Bank of Canada (RY) vs. Toronto-Dominion Bank (TD) Stock Comparison
Key Takeaways
- Canadian Imperial Bank of Commerce (CM), Royal Bank of Canada (RY), and Toronto-Dominion Bank (TD) represent three of Canada’s largest banks by assets and market presence, with diversified operations in retail, commercial, and capital markets banking.
- Recent market activity shows all three stocks benefiting from sector-wide revenue growth and earnings beats in the first quarter of 2026, with CM posting particularly strong net-income expansion.
- RY maintains the largest market capitalization among the group, supported by broad international exposure and consistent performance across business lines.
- TD has demonstrated resilience following prior remediation efforts, with recent price action reflecting recovery toward multi-year highs amid stable Canadian operations.
- Valuation metrics such as price-to-earnings and price-to-book ratios remain sensitive to interest-rate expectations and credit-loss provisions across the trio.
- Market sentiment favors stability and dividend reliability in the Canadian banking sector amid ongoing macroeconomic uncertainties.
Introduction
Canadian Imperial Bank of Commerce (CM), Royal Bank of Canada (RY), and Toronto-Dominion Bank (TD) are leading Canadian financial institutions that attract attention from investors seeking exposure to a mature, dividend-oriented banking sector. This comparison examines their relative positioning through recent performance, business profiles, and market dynamics. Portfolio managers, income-focused investors, and traders monitoring North American financial stocks may find the analysis relevant when evaluating allocation within the Canadian banking space or broader diversified financial holdings.
CM Overview and Recent Performance
Canadian Imperial Bank of Commerce (CM) operates as a diversified financial services provider with significant retail banking, wealth management, and capital markets activities primarily in Canada and select international markets. In recent weeks, the stock has reflected broader sector strength, with price levels supported by first-quarter 2026 results that included notable net-income growth. Sentiment has been influenced by robust performance in personal and commercial banking segments, alongside manageable credit provisions. Market activity indicates steady investor interest in CM’s growth trajectory relative to peers during the current reporting cycle.
RY Overview and Recent Performance
Royal Bank of Canada (RY) is Canada’s largest bank by market capitalization and total assets, offering comprehensive retail, commercial, wealth management, and global capital markets services. Recent market activity has shown the shares maintaining leadership within the sector, buoyed by consistent revenue expansion across multiple divisions in the first quarter of 2026. Sentiment remains constructive due to the bank’s scale, international diversification, and track record of navigating economic cycles. Broader market conditions have contributed to stable trading patterns for RY in the recent period.
TD Overview and Recent Performance
Toronto-Dominion Bank (TD) provides extensive retail and commercial banking services in Canada and the United States, complemented by wealth management and capital markets operations. In recent weeks, the stock has traded near elevated levels, reflecting recovery momentum following earlier remediation initiatives. First-quarter 2026 results demonstrated revenue growth and earnings that met or exceeded expectations in core segments. Sentiment has been shaped by progress on operational stability and the bank’s established franchise in personal banking, supporting relative performance within the peer group.
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Head-to-Head Comparison
Business models across CM, RY, and TD share core similarities in retail and commercial banking but differ in scale and geographic emphasis. RY benefits from the broadest international footprint, while TD maintains notable U.S. exposure and CM focuses more domestically with targeted wealth and capital markets initiatives. Recent momentum has favored CM on earnings growth metrics, whereas RY offers scale-driven stability and TD reflects recovery-driven price appreciation. Risk factors include sensitivity to Canadian housing dynamics, interest-rate shifts affecting net interest margins, and provisions for credit losses. Valuation sensitivity varies, with all three exhibiting responsiveness to macroeconomic data releases. Sector exposure remains concentrated in financials, leading to correlated movements during market rotations. Overall market sentiment has been supportive, driven by resilient earnings and dividend sustainability rather than aggressive growth narratives.
Tickeron AI Verdict
Based on observable factors such as trend consistency in recent market activity, earnings stability, and relative positioning within the Canadian banking sector, Tickeron’s AI would currently assign a probabilistic preference toward RY due to its scale and diversified revenue streams. CM and TD remain competitive on momentum and recovery indicators, respectively. This assessment reflects pattern recognition across available data and should not be interpreted as investment guidance.
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.
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), and TD’s FA Score reflects 2 green FA rating(s).
- CM’s FA Score: 3 green, 2 red.
- RY’s FA Score: 3 green, 2 red.
- TD’s FA Score: 2 green, 3 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 5 TA indicator(s) are bullish while RY’s TA Score has 4 bullish TA indicator(s), and TD’s TA Score reflects 3 bullish TA indicator(s).
- CM’s TA Score: 5 bullish, 4 bearish.
- RY’s TA Score: 4 bullish, 4 bearish.
- TD’s TA Score: 3 bullish, 5 bearish.
Price Growth
CM (@Major Banks) experienced а +0.09% price change this week, while RY (@Major Banks) price change was +2.38% , and TD (@Major Banks) price fluctuated -0.37% for the same time period.
The average weekly price growth across all stocks in the @Major Banks industry was +1.30%. For the same industry, the average monthly price growth was +2.62%, and the average quarterly price growth was +16.04%.
Reported Earning Dates
CM is expected to report earnings on Aug 27, 2026.
RY is expected to report earnings on Aug 27, 2026.
TD is expected to report earnings on Aug 27, 2026.
Industries' Descriptions
@Major Banks (+1.30% 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 | TD | |
| Capitalization | 99.7B | 270B | 187B |
| EBITDA | N/A | N/A | N/A |
| Gain YTD | 20.119 | 13.813 | 20.127 |
| P/E Ratio | 15.00 | 17.53 | 18.45 |
| Revenue | 30.1B | 67.7B | 62.9B |
| Total Cash | N/A | N/A | N/A |
| Total Debt | 220B | 555B | 476B |
CM | RY | TD | ||
|---|---|---|---|---|
OUTLOOK RATING 1..100 | 78 | 75 | 16 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 78 Overvalued | 89 Overvalued | 76 Overvalued | |
PROFIT vs RISK RATING 1..100 | 26 | 17 | 39 | |
SMR RATING 1..100 | 6 | 4 | 4 | |
PRICE GROWTH RATING 1..100 | 44 | 41 | 40 | |
P/E GROWTH RATING 1..100 | 30 | 30 | 13 | |
SEASONALITY SCORE 1..100 | 50 | 50 | 36 |
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.
TD's Valuation (76) in the Major Banks industry is in the same range as CM (78) in the Investment Trusts Or Mutual Funds industry, and is in the same range as RY (89) in the Major Banks industry. This means that TD's stock grew similarly to CM’s and similarly to RY’s over the last 12 months.
RY's Profit vs Risk Rating (17) in the Major Banks industry is in the same range as CM (26) in the Investment Trusts Or Mutual Funds industry, and is in the same range as TD (39) in the Major Banks industry. This means that RY's stock grew similarly to CM’s and similarly to TD’s over the last 12 months.
RY's SMR Rating (4) in the Major Banks industry is in the same range as TD (4) in the Major Banks industry, and 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 TD’s and similarly to CM’s over the last 12 months.
TD's Price Growth Rating (40) in the Major Banks industry is in the same range as RY (41) in the Major Banks industry, and is in the same range as CM (44) in the Investment Trusts Or Mutual Funds industry. This means that TD's stock grew similarly to RY’s and similarly to CM’s over the last 12 months.
TD's P/E Growth Rating (13) in the Major Banks industry is in the same range as RY (30) in the Major Banks industry, and is in the same range as CM (30) in the Investment Trusts Or Mutual Funds industry. This means that TD's stock grew similarly to RY’s and similarly to CM’s over the last 12 months.
| CM | RY | TD | |
|---|---|---|---|
| RSI ODDS (%) | 3 days ago 62% | 3 days ago 38% | 3 days ago 44% |
| Stochastic ODDS (%) | 3 days ago 57% | 4 days ago 50% | 3 days ago 47% |
| Momentum ODDS (%) | 3 days ago 46% | 3 days ago 45% | 3 days ago 55% |
| MACD ODDS (%) | 3 days ago 55% | 3 days ago 58% | 3 days ago 53% |
| TrendWeek ODDS (%) | 3 days ago 58% | 3 days ago 43% | 3 days ago 51% |
| TrendMonth ODDS (%) | 3 days ago 53% | 3 days ago 38% | 3 days ago 52% |
| Advances ODDS (%) | 13 days ago 53% | 13 days ago 46% | 10 days ago 53% |
| Declines ODDS (%) | 7 days ago 53% | 11 days ago 53% | 28 days ago 53% |
| BollingerBands ODDS (%) | 3 days ago 59% | 3 days ago 32% | 3 days ago 56% |
| Aroon ODDS (%) | 3 days ago 39% | 3 days ago 34% | 3 days ago 47% |
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