COMPARE · Data as of August 27, 2026
CM vs NTB
Verdict: Side-by-side breakdown using the Bull Rankings model. CM scored 74.0, NTB scored 80.0 — NTB leads.
Compare another set
CM
Canadian Imperial Bank of Commerce
62.7Fin
$114.84 · $104.3B
fundamentals as of
Strength gap
10.9
NTB leads
NTB
The Bank of N.T. Butterfield & Son Limited
73.6Fin
$59.13 · $2.3B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestNTB10.4x
- 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+
15.8xC+
P/E
10.4xA-
15.4%B+
ROE
21.1%A-
2.27C+
P/B
2.02C+
2.6%B
Yield
3.4%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
Why now
Banks - Diversified · market cap $104.3b. 8% off the 52-week high of $124.86. Revenue growing +14%, comfortably above the S&P median. 3 sell-side analysts rate this a Buy with a mean 1-yr target of $118.90 (implying +4% upside).
Moat
Net margin 34% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 15% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. $104.3b 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
Why now
Banks - Diversified · market cap $2.3b. 8% off the 52-week high of $64.17. PEG 0.71 — paying under fair value for the growth rate. 3 sell-side analysts publish a mean 1-yr target of $64.00 (implying +8% upside).
Moat
Net margin 37% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 21% sits above Buffett's preferred 15% threshold — 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
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