Only Royal Bank Has A Market Perform At $69Desjardins BMO National Bank...I think Scotia (dont quote me though) have out perform ratings low of $71 to high of $78 and it looks like all of them actually raised their ratings from my recollection by a dollar or two. The probability as i said for CIBC not to in fact hit 70s looks low especially when looking at what the analyst ratings are and they will not just throw numbers out they factor all things in. Providing CIBC risks provisions that they raised to holds or if not the amounts of monies they could have otherwise increased the dividend with can be as i said better utilized to cushion the risk provisions on bad mortgages which i fully support them doing if that was one consideration not to increase the divie plus if using monies to diversify and grow in any sector in addition to the financial ones where they remain less bank acquisition heavy in regards to buying US banks. From what i have been reading in the press coming in while you grow your clientele it seems quite mixed to the extent among those clients you may have more defaults and i dont like to kick anyone while they are down but in tds case more potential to money laundering regardless of where it is coming from drug trafiking is among the worst with Fentenyl deaths but you can have all sorts of things like human trafiking gambling people not paying proper taxes etc. The more you expand into the financial sector services you broaden your risks not only to loan payment defaults but also criminal enterprises. The reality is this i highly doubt TD is the only bank having this issue. That said what is quite damaging is varying levels of management 12 were fingered according to reports in taking bribes. Short of banks doing a criminal record search which will go against peoples civil liberties unless governments successfully get a law passed it is impossible for any bank to know where monies is coming from. This is a major headache altogether i would limit exposure to more banking acquisitions look at other sectors in addition to financial utilities tech health i would limit exposure to life insurance products and backing things looking at less financial related stuff as well as mortgages which this bank is a little over exposed to but its saving grace less US banking exposure. It doesnt look that beneficial as of yet in Canadian banks trying to increase clientele in the US where more of the same problems arise more miney but same money same problems how does that help and work? The answer is clearly banks like bmo and scotia are mussing and National took a shaving risk factors the cause and 2 main things mortgages and loan defaults credit cards etc. Limit personal dealings maybe focus more mid size business. Less smaller personal loans. Sure this will become underserved if the big banks get out leaving other smaller financial institutions to fill the void let them and if they happen to keep being profitable buy them out but if you buy them and they are suffering the same things of bad loans etc not a smart move in my opinion just to increase clientele ans think that they will turn around their credit and financial positions some may many sadly will not and then you get bad debt. Anyways just my two cents lets see how things continue to go here and i do look elsewhere to see what works and doesnt. This bank looks to be the best one right now to buy no disrespect to the others.