CM vs COF
Canadian Imperial Bank of Commerce vs Capital One — AI-powered side-by-side comparison
CM
Canadian Imperial Bank of Commerce
65
Buy
VS
| Metric | CM | COF |
|---|
| AI Score |
65
|
73
|
| Price |
$118.90
|
$219.04
|
| P/E Ratio |
16.30×
|
13.56×
|
| ROE |
13.1%
|
2.2%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
53.9%
|
66.2%
|
| Debt / Equity |
2.76×
|
0.40×
|
| Dividend Yield |
2.5%
|
1.4%
|
| RSI (14) |
54.0
|
64.0
|
| Beta |
1.274
|
1.016
|
| Expected Upside |
—
|
+4.2%
|
AI Committee View
Current Innellis committee reasoning for CM versus COF.
COF leads by 8 points.
COF scores 73/100 (Buy) versus CM at 65/100 (Buy).
CM Committee View
67% agreement
6 analysts
The primary driver is revenue growing 129.9% yoy -- genuine top-line momentum. The main limiting factor is debt-to-equity of 2.65 adds balance-sheet risk to the value case. The committee is constructive but not yet at full conviction.
Bull Case
- ROE of 15.2% shows genuine earnings power backing the valuation — Value
- Dividend yield of 2.6% pays you to wait — Value
- Revenue growing 129.9% YoY -- genuine top-line momentum — Growth
Bear Case
- Debt-to-equity of 2.65 adds balance-sheet risk to the value case — Value
- MACD histogram negative -- bearish momentum — Technical
- High leverage (debt-to-equity 2.65) amplifies downside in a stress scenario — Risk
COF Committee View
80% agreement
5 analysts
The primary driver is revenue growing 38.2% yoy -- genuine top-line momentum. Most analysts agree, and no major concerns are blocking a stronger rating.
Bull Case
- P/E of 12.8 is inexpensive for the broad market — Value
- Price-to-book of 1.4x is a discount to asset value — Value
- Revenue growing 38.2% YoY -- genuine top-line momentum — Growth
Bear Case
- Risk/reward is unfavorable: 7.0% downside vs 4.2% upside.