CM Fundamental Analysis - CAN IMPERIAL BK OF COMMERCE

Fundamental Rating

Overall CM gets a fundamental rating of 3 out of 10. We evaluated CM against 391 industry peers in the Banks industry. CM may be in some trouble as it scores bad on both profitability and health. CM has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

CM had positive earnings in the past year.

CM had a positive operating cash flow in the past year.

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's Return On Assets of 0.71% is on the low side compared to the rest of the industry. CM is outperformed by 61.13% of its industry peers.

With an excellent Return On Equity value of 12.47%, CM belongs to the best of the industry, outperforming 84.91% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.71%
ROE	12.47%
ROIC	N/A

ROA(3y)0.59%

ROA(5y)0.6%

ROE(3y)10.89%

ROE(5y)11.06%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

CM has a Profit Margin of 27.72%. This is in the better half of the industry: CM outperforms 72.38% of its industry peers.

CM's Profit Margin has been stable 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)	27.72%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-5.12%

PM growth 5Y-0.02%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

CM does not have a ROIC to compare to the WACC, probably because it is not profitable.

CM has more shares outstanding than it did 1 year ago.

Compared to 5 years ago, CM has more shares outstanding

Compared to 1 year ago, CM has a worse debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of CM is 11.10, which is on the high side as it means it would take CM, 11.10 years of fcf income to pay off all of its debts.

CM's Debt to FCF ratio of 11.10 is on the low side compared to the rest of the industry. CM is outperformed by 79.80% of its industry peers.

CM has a Debt/Equity ratio of 2.87. This is a high value indicating a heavy dependency on external financing.

With a Debt to Equity ratio value of 2.87, CM is not doing good in the industry: 92.58% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Debt/Equity	2.87
Debt/FCF	11.1
Altman-Z	N/A

ROIC/WACCN/A

WACC17.26%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

CM shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.85%, which is quite good.

Measured over the past 5 years, CM shows a small growth in Earnings Per Share. The EPS has been growing by 4.42% on average per year.

CM shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.44%.

CM shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.59% yearly.

EPS 1Y (TTM)17.85%

EPS 3Y0.75%

EPS 5Y4.42%

EPS Q2Q%11.92%

Revenue 1Y (TTM)13.44%

Revenue growth 3Y8.56%

Revenue growth 5Y6.59%

Sales Q2Q%9.84%

3.2 Future

CM is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.09% yearly.

CM is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.00% yearly.

EPS Next Y17.66%

EPS Next 2Y12.34%

EPS Next 3Y11.05%

EPS Next 5Y3.09%

Revenue Next Year12.89%

Revenue Next 2Y7.92%

Revenue Next 3Y6.24%

Revenue Next 5Y4%

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 13.62, which indicates a correct valuation of CM.

60.87% of the companies in the same industry are cheaper than CM, based on the Price/Earnings ratio.

CM's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.77.

With a Price/Forward Earnings ratio of 12.13, CM is valued correctly.

Based on the Price/Forward Earnings ratio, CM is valued a bit more expensive than 68.03% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 23.23, CM is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	13.62
Fwd PE	12.13

4.2 Price Multiples

CM's Price/Free Cash Flow ratio is rather cheap when compared to the industry. CM is cheaper than 88.49% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	6.51
EV/EBITDA	N/A

4.3 Compensation for Growth

CM's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

PEG (NY)0.77

PEG (5Y)3.08

EPS Next 2Y12.34%

EPS Next 3Y11.05%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.44%, CM has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.60, CM has a dividend in line with its industry peers.

CM's Dividend Yield is a higher than the S&P500 average which is at 2.36.

		Industry Rank	Sector Rank
Dividend Yield	3.44%

5.2 History

The dividend of CM has a limited annual growth rate of 3.04%.

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)3.04%

Div Incr Years1

Div Non Decr Years1

5.3 Sustainability

49.33% of the earnings are spent on dividend by CM. This is a bit on the high side, but may be sustainable.

The dividend of CM is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.

DP49.33%

EPS Next 2Y12.34%

EPS Next 3Y11.05%

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CAN IMPERIAL BK OF COMMERCE

NYSE:CM (10/21/2025, 8:06:04 PM)

After market: 80.63 0 (0%)

80.63

-0.11 (-0.14%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)08-28 2025-08-28/bmo

Earnings (Next)12-03 2025-12-03/amc

Inst Owners53.14%

Inst Owner Change-0.02%

Ins Owners0.03%

Ins Owner ChangeN/A

Market Cap74.95B

Analysts76.52

Price Target81.22 (0.73%)

Short Float %1.51%

Short Ratio10.8

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.44%

Yearly Dividend2.24

Dividend Growth(5Y)3.04%

DP49.33%

Div Incr Years1

Div Non Decr Years1

Ex-Date09-29 2025-09-29 (0.97)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)4.97%

Min EPS beat(2)4.83%

Max EPS beat(2)5.12%

EPS beat(4)4

Avg EPS beat(4)5.62%

Min EPS beat(4)3.88%

Max EPS beat(4)8.63%

EPS beat(8)7

Avg EPS beat(8)4.88%

EPS beat(12)9

Avg EPS beat(12)1.4%

EPS beat(16)10

Avg EPS beat(16)0.74%

Revenue beat(2)1

Avg Revenue beat(2)-0.54%

Min Revenue beat(2)-1.14%

Max Revenue beat(2)0.06%

Revenue beat(4)2

Avg Revenue beat(4)0.37%

Min Revenue beat(4)-1.14%

Max Revenue beat(4)3.13%

Revenue beat(8)3

Avg Revenue beat(8)-0.28%

Revenue beat(12)4

Avg Revenue beat(12)-1.03%

Revenue beat(16)5

Avg Revenue beat(16)-1.02%

PT rev (1m)-0.65%

PT rev (3m)8.56%

EPS NQ rev (1m)-0.05%

EPS NQ rev (3m)3.21%

EPS NY rev (1m)0%

EPS NY rev (3m)5.13%

Revenue NQ rev (1m)0.24%

Revenue NQ rev (3m)1.95%

Revenue NY rev (1m)0%

Revenue NY rev (3m)2.44%

Valuation

		Industry Rank	Sector Rank
PE	13.62
Fwd PE	12.13
P/S	3.74
P/FCF	6.51
P/OCF	6.09
P/B	1.68
P/tB	1.94
EV/EBITDA	N/A

EPS(TTM)5.92

EY7.34%

EPS(NY)6.65

Fwd EY8.25%

FCF(TTM)12.39

FCFY15.36%

OCF(TTM)13.24

OCFY16.42%

SpS21.58

BVpS47.95

TBVpS41.63

PEG (NY)0.77

PEG (5Y)3.08

Profitability

		Industry Rank	Sector Rank
ROA	0.71%
ROE	12.47%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	27.72%
GM	N/A
FCFM	57.4%

ROA(3y)0.59%

ROA(5y)0.6%

ROE(3y)10.89%

ROE(5y)11.06%

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

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-5.12%

PM growth 5Y-0.02%

GM growth 3YN/A

GM growth 5YN/A

F-Score7

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	2.87
Debt/FCF	11.1
Debt/EBITDA	N/A
Cap/Depr	97.46%
Cap/Sales	3.95%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	207.11%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC17.26%

ROIC/WACCN/A

Cap/Depr(3y)95.9%

Cap/Depr(5y)79.86%

Cap/Sales(3y)4.56%

Cap/Sales(5y)3.9%

Profit Quality(3y)246.14%

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)17.85%

EPS 3Y0.75%

EPS 5Y4.42%

EPS Q2Q%11.92%

EPS Next Y17.66%

EPS Next 2Y12.34%

EPS Next 3Y11.05%

EPS Next 5Y3.09%

Revenue 1Y (TTM)13.44%

Revenue growth 3Y8.56%

Revenue growth 5Y6.59%

Sales Q2Q%9.84%

Revenue Next Year12.89%

Revenue Next 2Y7.92%

Revenue Next 3Y6.24%

Revenue Next 5Y4%

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 1Y107.43%

FCF growth 3YN/A

FCF growth 5Y-11.45%

OCF growth 1Y93.95%

OCF growth 3YN/A

OCF growth 5Y-9.86%

CAN IMPERIAL BK OF COMMERCE (CM) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens