Verdict: Side-by-side breakdown using the Bull Rankings model. CM scored 73.0, NTB scored 80.0 — NTB leads.
Compare another set
CM
Canadian Imperial Bank of Commerce
Banks - Diversified · Financial strength
64.3Fin
$109.20 · $99.1B
fundamentals as of
Strength gap
10.0
NTB leads
NTB
The Bank of N.T. Butterfield & Son Limited
Banks - Diversified · Financial strength
74.3Fin
$57.50 · $2.3B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
CheapestNTB10.1x
Fastest growthCM+13.7%
Side by side · every name on one set of axes
Growth against the P/E multiple. Up and to the right is cheaper and faster — the quality-growth idea in one picture. Points beyond the axis are pinned to the edge and marked off-scale rather than allowed to compress everything else.
Fundamentals, head-to-head
CM
NTB
+13.7%B+
Rev
+4.3%C+
14.5xC+
P/E
10.1xA-
15.6%B+
ROE
21.1%A-
2.16C+
P/B
1.97B
2.8%B
Yield
3.5%B
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
The companies
CMCanadian Imperial Bank of Commerce
Banks - Diversified · $109.20 · beta 1.24
Why now
Banks - Diversified · market cap $99.1b. 13% off the 52-week high of $124.86. Revenue growing +14%, comfortably above the S&P median. 3 sell-side analysts rate this a Hold with a mean 1-yr target of $118.43 (implying +8% upside).
Moat
Net margin 34% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 16% is above 15% — the equity base is compounding at a rate the market struggles to discount accurately. $99.1b market cap gives the company enough scale to absorb fixed costs that subscale competitors can't, without yet being so large that growth has to come from acquisition.
Risk
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
NTBThe Bank of N.T. Butterfield & Son Limited
Banks - Diversified · $57.50 · beta 0.54
Why now
Banks - Diversified · market cap $2.3b. 10% off the 52-week high of $64.17. PEG 0.56 — paying under fair value for the growth rate. 3 sell-side analysts rate this a Buy with a mean 1-yr target of $66.00 (implying +15% upside).
Moat
Net margin 37% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 21% is above 15% — the equity base is compounding at a rate the market struggles to discount accurately. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Regulatory capital risk — stricter capital requirements (CCAR, Basel) can force a dividend cut or a capital raise; the largest banks are most exposed because they're held to the tightest standards.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Common questions
Is NTB or CM the better stock?
NTB scores higher: NTB 80.0, CM 73.0 out of 100 on the Bull Rankings quality-growth score, which blends business quality, growth and valuation into one number. A higher score means a stronger business at a more reasonable price — it is not a price target or a recommendation.
How are NTB and CM scored?
Each carries the same 0–100 quality-growth score used everywhere on the site, built from three pillars — quality (profitability and returns on capital), growth (revenue and earnings), and value (what you pay for them) — combined as a geometric mean, so a weak pillar cannot be papered over by a strong one.
How current is this comparison?
The whole universe is re-scored every trading day after the US market close, so the scores and fundamentals here reflect the latest published edition.