CFG vs. CM: Citizens Financial vs. Cdn Imperial Bank of Commerce Stock Comparison

Company Profile

Citizens Financial (CFG) and Cdn Imperial Bank of Commerce (CM) both belong to the Banks industry, though CFG is classified under Regional Banks while CM falls under Diversified Banks.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Cdn Imperial Bank of Commerce (CM) at 15.58% sits in the top ROE quartile, while Citizens Financial (CFG) at 8.90% is in the bottom quartile, showing a clear gap in returns on equity.

Cdn Imperial Bank of Commerce (CM) at 33.74% keeps about the industry-typical share of revenue as profit, while Citizens Financial (CFG) at 27.02% retains only a bottom-quartile share.

Neither side reports a meaningful operating margin: for Citizens Financial (CFG) in Banks and Cdn Imperial Bank of Commerce (CM) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Cdn Imperial Bank of Commerce (CM) at 13.66% is around its peer norm for revenue growth, while Citizens Financial (CFG) at 5.61% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Both Citizens Financial (CFG) at 27.39% and Cdn Imperial Bank of Commerce (CM) at 17.72% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Citizens Financial (CFG) in Banks and Cdn Imperial Bank of Commerce (CM) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: Citizens Financial (CFG) in Banks and Cdn Imperial Bank of Commerce (CM) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

Cdn Imperial Bank of Commerce (CM) at 3.62% delivers top-quartile income for its industry, while Citizens Financial (CFG) at 2.88% pays a more typical yield — both are credible income propositions, CM the richer one.

Both Citizens Financial (CFG) at 37.17% and Cdn Imperial Bank of Commerce (CM) at 40.12% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

Dividend Metrics

Valuation

Citizens Financial (CFG) at 12.78 is near its industry’s usual P/E ratio, while Cdn Imperial Bank of Commerce (CM) at 15.32 sits in the richer quartile — CM needs stronger growth or earnings quality to justify the premium.

P/S ratio is set aside for both Citizens Financial (CFG) in Banks and Cdn Imperial Bank of Commerce (CM) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.

Citizens Financial (CFG) at 1.16 is valued about in line with its industry on P/B ratio, while Cdn Imperial Bank of Commerce (CM) at 2.24 carries an above-peer premium to book — CM is pricier on assets.

Valuation Metrics