CAN IMPERIAL BK OF COMMERCE (CM.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:CM - CA1360691010 - Common Stock
125.04 CAD
-1.11 (-0.88%)
Taking everything into account, CM scores 3 out of 10 in our fundamental rating. CM was compared to 24 industry peers in the Banks industry. There are concerns on the financial health of CM while its profitability can be described as average. CM is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year CM was profitable.
In the past year CM had a positive cash flow from operations.
Each year in the past 5 years CM has been profitable.
Of the past 5 years CM 4 years had a positive operating cash flow.
1.2 Ratios
CM has a better Return On Assets (0.72%) than 62.50% of its industry peers.
CM has a Return On Equity of 12.58%. This is in the better half of the industry: CM outperforms 62.50% 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
Looking at the Profit Margin, with a value of 27.68%, CM is in the better half of the industry, outperforming 62.50% of the companies in the same industry.
CM's Profit Margin has improved in the last couple of years.
CM does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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.
The number of shares outstanding for CM has been reduced compared to 1 year ago.
The number of shares outstanding for CM has been increased compared to 5 years ago.
The debt/assets ratio for CM is higher compared to a year ago.
2.2 Solvency
CM has a debt to FCF ratio of 13.21. This is a negative value and a sign of low solvency as CM would need 13.21 years to pay back of all of its debts.
CM's Debt to FCF ratio of 13.21 is fine compared to the rest of the industry. CM outperforms 66.67% of its industry peers.
A Debt/Equity ratio of 2.62 is on the high side and indicates that CM has dependencies on debt financing.
The Debt to Equity ratio of CM (2.62) is worse than 70.83% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.62 | ||
| Debt/FCF | 13.21 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.85%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CM shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.49%, which is quite good.
Measured over the past years, CM shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.24% on average per year.
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 1.73% on average per year.
EPS Next Y9.28%
EPS Next 2Y9.12%
EPS Next 3Y-1.14%
EPS Next 5Y-0.01%
Revenue Next Year3.29%
Revenue Next 2Y3.51%
Revenue Next 3Y1.12%
Revenue Next 5Y1.73%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 14.51, the valuation of CM can be described as correct.
79.17% of the companies in the same industry are cheaper than CM, based on the Price/Earnings ratio.
CM's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.34.
The Price/Forward Earnings ratio is 13.27, which indicates a correct valuation of CM.
Based on the Price/Forward Earnings ratio, CM is valued more expensive than 83.33% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.56. CM is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.51 | ||
| Fwd PE | 13.27 |
4.2 Price Multiples
CM's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.12 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.56
PEG (5Y)1.19
EPS Next 2Y9.12%
EPS Next 3Y-1.14%
5. Dividend
5.1 Amount
CM has a Yearly Dividend Yield of 3.15%.
Compared to an average industry Dividend Yield of 3.19, CM has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.31, CM pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.15% |
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 2Y9.12%
EPS Next 3Y-1.14%
TSX:CM (12/8/2025, 7:00:00 PM)
125.04
-1.11 (-0.88%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners54.08%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap116.13B
Revenue(TTM)29.13B
Net Income(TTM)8.06B
Analysts75.83
Price Target125.81 (0.62%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.15% |
Yearly Dividend4.27
Dividend Growth(5Y)8.2%
DP49.51%
Div Incr Years1
Div Non Decr Years1
Ex-Date
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)10.19%
PT rev (3m)13.07%
EPS NQ rev (1m)1.26%
EPS NQ rev (3m)1.74%
EPS NY rev (1m)0.73%
EPS NY rev (3m)4.8%
Revenue NQ rev (1m)2.76%
Revenue NQ rev (3m)3.15%
Revenue NY rev (1m)0.28%
Revenue NY rev (3m)2.21%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.51 | ||
| Fwd PE | 13.27 | ||
| P/S | 3.99 | ||
| P/FCF | 9.12 | ||
| P/OCF | 8.39 | ||
| P/B | 1.81 | ||
| P/tB | 2.08 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.62
EY6.89%
EPS(NY)9.42
Fwd EY7.53%
FCF(TTM)13.71
FCFY10.96%
OCF(TTM)14.9
OCFY11.92%
SpS31.37
BVpS69.05
TBVpS60.04
PEG (NY)1.56
PEG (5Y)1.19
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
WACC13.85%
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 Y9.28%
EPS Next 2Y9.12%
EPS Next 3Y-1.14%
EPS Next 5Y-0.01%
Revenue 1Y (TTM)13.77%
Revenue growth 3Y10.09%
Revenue growth 5Y9.22%
Sales Q2Q%14.49%
Revenue Next Year3.29%
Revenue Next 2Y3.51%
Revenue Next 3Y1.12%
Revenue Next 5Y1.73%
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.
Can you provide the valuation status for CAN IMPERIAL BK OF COMMERCE?
ChartMill assigns a valuation rating of 2 / 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.
How financially healthy is CAN IMPERIAL BK OF COMMERCE?
The financial health rating of CAN IMPERIAL BK OF COMMERCE (CM.CA) is 1 / 10.
Is the dividend of CAN IMPERIAL BK OF COMMERCE sustainable?
The dividend rating of CAN IMPERIAL BK OF COMMERCE (CM.CA) is 5 / 10 and the dividend payout ratio is 49.51%.