CAN IMPERIAL BK OF COMMERCE (CM.CA) Stock Fundamental Analysis
TSX:CM • CA1360691010
134.47 CAD
+2.73 (+2.07%)
Last: Feb 19, 2026, 07:00 PM
Overall CM gets a fundamental rating of 3 out of 10. We evaluated CM against 24 industry peers in the Banks industry. There are concerns on the financial health of CM while its profitability can be described as average. While showing a medium growth rate, CM is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
- In the past year CM was profitable.
- CM had a positive operating cash flow in the past year.
- CM had positive earnings in each of the past 5 years.
- CM had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- CM has a Return On Assets of 0.72%. This is in the better half of the industry: CM outperforms 66.67% of its industry peers.
- CM has a Return On Equity of 12.58%. This is in the better half of the industry: CM outperforms 70.83% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.72% | ||
| ROE | 12.58% | ||
| ROIC | N/A |
ROA(3y)0.62%
ROA(5y)0.65%
ROE(3y)11.06%
ROE(5y)11.8%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- CM has a Profit Margin of 27.68%. This is in the better half of the industry: CM outperforms 70.83% of its industry peers.
- In the last couple of years the Profit Margin of CM has grown nicely.
- The Operating Margin and Gross Margin are not available for CM so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 27.68% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.03%
PM growth 5Y7.18%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- CM does not have a ROIC to compare to the WACC, probably because it is not profitable.
- Compared to 1 year ago, CM has less shares outstanding
- CM has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, CM has a worse debt to assets ratio.
2.2 Solvency
- The Debt to FCF ratio of CM is 13.21, which is on the high side as it means it would take CM, 13.21 years of fcf income to pay off all of its debts.
- CM has a better Debt to FCF ratio (13.21) than 75.00% of its industry peers.
- CM has a Debt/Equity ratio of 2.62. This is a high value indicating a heavy dependency on external financing.
- CM has a worse Debt to Equity ratio (2.62) than 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.62 | ||
| Debt/FCF | 13.21 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.65%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 16.49% over the past year.
- CM shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.24% yearly.
- The Revenue has grown by 13.77% in the past year. This is quite good.
- Measured over the past years, CM shows a quite strong growth in Revenue. The Revenue has been growing by 9.22% on average per year.
EPS 1Y (TTM)16.49%
EPS 3Y6.93%
EPS 5Y12.24%
EPS Q2Q%15.71%
Revenue 1Y (TTM)13.77%
Revenue growth 3Y10.09%
Revenue growth 5Y9.22%
Sales Q2Q%14.49%
3.2 Future
- The Earnings Per Share is expected to decrease by -0.01% on average over the next years.
- Based on estimates for the next years, CM will show a small growth in Revenue. The Revenue will grow by 3.16% on average per year.
EPS Next Y13.71%
EPS Next 2Y11.95%
EPS Next 3Y10.64%
EPS Next 5Y-0.01%
Revenue Next Year6.44%
Revenue Next 2Y5.86%
Revenue Next 3Y4.79%
Revenue Next 5Y3.16%
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 15.60 indicates a correct valuation of CM.
- Compared to the rest of the industry, the Price/Earnings ratio of CM indicates a slightly more expensive valuation: CM is more expensive than 75.00% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of CM to the average of the S&P500 Index (27.09), we can say CM is valued slightly cheaper.
- The Price/Forward Earnings ratio is 13.72, which indicates a correct valuation of CM.
- Based on the Price/Forward Earnings ratio, CM is valued a bit more expensive than 75.00% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 27.98, CM is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.6 | ||
| Fwd PE | 13.72 |
4.2 Price Multiples
- CM's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.81 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- CM's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.14
PEG (5Y)1.27
EPS Next 2Y11.95%
EPS Next 3Y10.64%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 3.30%, CM has a reasonable but not impressive dividend return.
- CM's Dividend Yield is a higher than the industry average which is at 3.03.
- Compared to an average S&P500 Dividend Yield of 1.85, CM pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.3% |
5.2 History
- On average, the dividend of CM grows each year by 8.20%, which is quite nice.
- CM has been paying a dividend for at least 10 years, so it has a reliable track record.
- CM has decreased its dividend recently.
Dividend Growth(5Y)8.2%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
- CM pays out 49.51% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP49.51%
EPS Next 2Y11.95%
EPS Next 3Y10.64%
TSX:CM (2/19/2026, 7:00:00 PM)
134.47
+2.73 (+2.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)12-04 2025-12-04/bmo
Earnings (Next)02-26 2026-02-26
Inst Owners54.09%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap124.89B
Revenue(TTM)29.13B
Net Income(TTM)8.06B
Analysts75.83
Price Target131.25 (-2.39%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.3% |
Yearly Dividend4.27
Dividend Growth(5Y)8.2%
DP49.51%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.89%
Min EPS beat(2)2.96%
Max EPS beat(2)4.83%
EPS beat(4)4
Avg EPS beat(4)5.38%
Min EPS beat(4)2.96%
Max EPS beat(4)8.63%
EPS beat(8)8
Avg EPS beat(8)5.26%
EPS beat(12)10
Avg EPS beat(12)3.46%
EPS beat(16)11
Avg EPS beat(16)1.39%
Revenue beat(2)2
Avg Revenue beat(2)0.69%
Min Revenue beat(2)0.06%
Max Revenue beat(2)1.32%
Revenue beat(4)3
Avg Revenue beat(4)0.84%
Min Revenue beat(4)-1.14%
Max Revenue beat(4)3.13%
Revenue beat(8)4
Avg Revenue beat(8)0.43%
Revenue beat(12)5
Avg Revenue beat(12)-0.34%
Revenue beat(16)6
Avg Revenue beat(16)-0.74%
PT rev (1m)0.42%
PT rev (3m)14.95%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.04%
EPS NY rev (1m)0%
EPS NY rev (3m)4.82%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.84%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.34%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.6 | ||
| Fwd PE | 13.72 | ||
| P/S | 4.29 | ||
| P/FCF | 9.81 | ||
| P/OCF | 9.03 | ||
| P/B | 1.95 | ||
| P/tB | 2.24 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.62
EY6.41%
EPS(NY)9.8
Fwd EY7.29%
FCF(TTM)13.71
FCFY10.19%
OCF(TTM)14.9
OCFY11.08%
SpS31.37
BVpS69.05
TBVpS60.04
PEG (NY)1.14
PEG (5Y)1.27
Graham Number115.72
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.72% | ||
| ROE | 12.58% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 27.68% | ||
| GM | N/A | ||
| FCFM | 43.69% |
ROA(3y)0.62%
ROA(5y)0.65%
ROE(3y)11.06%
ROE(5y)11.8%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.03%
PM growth 5Y7.18%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.62 | ||
| Debt/FCF | 13.21 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 94.14% | ||
| Cap/Sales | 3.81% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 157.83% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC13.65%
ROIC/WACCN/A
Cap/Depr(3y)91.98%
Cap/Depr(5y)92.87%
Cap/Sales(3y)4.14%
Cap/Sales(5y)4.34%
Profit Quality(3y)179.69%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)16.49%
EPS 3Y6.93%
EPS 5Y12.24%
EPS Q2Q%15.71%
EPS Next Y13.71%
EPS Next 2Y11.95%
EPS Next 3Y10.64%
EPS Next 5Y-0.01%
Revenue 1Y (TTM)13.77%
Revenue growth 3Y10.09%
Revenue growth 5Y9.22%
Sales Q2Q%14.49%
Revenue Next Year6.44%
Revenue Next 2Y5.86%
Revenue Next 3Y4.79%
Revenue Next 5Y3.16%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y27.3%
FCF growth 3Y-16.17%
FCF growth 5Y-26.66%
OCF growth 1Y24.8%
OCF growth 3Y-15.23%
OCF growth 5Y-25.5%
CAN IMPERIAL BK OF COMMERCE / CM.CA FAQ
What is the fundamental rating for CM stock?
ChartMill assigns a fundamental rating of 3 / 10 to CM.CA.
What is the valuation status of CAN IMPERIAL BK OF COMMERCE (CM.CA) stock?
ChartMill assigns a valuation rating of 3 / 10 to CAN IMPERIAL BK OF COMMERCE (CM.CA). This can be considered as Overvalued.
What is the profitability of CM stock?
CAN IMPERIAL BK OF COMMERCE (CM.CA) has a profitability rating of 4 / 10.
Can you provide the expected EPS growth for CM stock?
The Earnings per Share (EPS) of CAN IMPERIAL BK OF COMMERCE (CM.CA) is expected to grow by 13.71% in the next year.
How sustainable is the dividend of CAN IMPERIAL BK OF COMMERCE (CM.CA) stock?
The dividend rating of CAN IMPERIAL BK OF COMMERCE (CM.CA) is 5 / 10 and the dividend payout ratio is 49.51%.