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. Both the profitability and financial health of CM have multiple concerns. 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.

CM had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

CM has a worse Return On Assets (0.71%) than 61.13% of its industry peers.

CM has a Return On Equity of 12.47%. This is amongst the best in the industry. CM outperforms 84.91% of its industry peers.

		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 better Profit Margin (27.72%) than 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 has a worse Debt to FCF ratio (11.10) than 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.

The Debt to Equity ratio of CM (2.87) is worse than 92.58% of its industry peers.

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

ROIC/WACCN/A

WACC17.24%

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%.

The Revenue has been growing slightly by 6.59% on average over the past years.

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

The Earnings Per Share is expected to grow by 3.09% on average over the next years.

The Revenue is expected to grow by 4.00% on average over the next years.

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.

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 13.68, the valuation of CM can be described as correct.

Compared to the rest of the industry, the Price/Earnings ratio of CM indicates a slightly more expensive valuation: CM is more expensive than 60.87% of the companies listed in the same industry.

CM is valuated cheaply when we compare the Price/Earnings ratio to 27.57, which is the current average of the S&P500 Index.

With a Price/Forward Earnings ratio of 12.18, 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 23.09, CM is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	13.68
Fwd PE	12.18

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, CM is valued cheaply inside the industry as 88.49% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	6.54
EV/EBITDA	N/A

4.3 Compensation for Growth

The 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)3.09

EPS Next 2Y12.34%

EPS Next 3Y11.05%

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5. Dividend

5.1 Amount

CM has a Yearly Dividend Yield of 3.44%.

Compared to an average industry Dividend Yield of 3.55, CM pays a bit more dividend than its industry peers.

CM's Dividend Yield is a higher than the S&P500 average which is at 2.32.

		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 paid a dividend for at least 10 years, which is a reliable track record.

The dividend of CM decreased recently.

Dividend Growth(5Y)3.04%

Div Incr Years1

Div Non Decr Years1

5.3 Sustainability

CM pays out 49.33% of its income as dividend. This is a bit on the high side, but may be sustainable.

CM's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept 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 (10/22/2025, 8:23:13 PM)

After market: 81.11 0 (0%)

81.11

+0.48 (+0.6%)

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 Cap75.40B

Revenue(TTM)28.17B

Net Income(TTM)7.81B

Analysts76.52

Price Target81.22 (0.14%)

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	13.68
Fwd PE	12.18
P/S	3.75
P/FCF	6.54
P/OCF	6.12
P/B	1.69
P/tB	1.95
EV/EBITDA	N/A

EPS(TTM)5.93

EY7.31%

EPS(NY)6.66

Fwd EY8.21%

FCF(TTM)12.4

FCFY15.29%

OCF(TTM)13.26

OCFY16.34%

SpS21.61

BVpS48.01

TBVpS41.68

PEG (NY)0.77

PEG (5Y)3.09

Graham Number80.03

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

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-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

WACC17.24%

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

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