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CAN IMPERIAL BK OF COMMERCE (CM) Stock Fundamental Analysis

NYSE:CM - New York Stock Exchange, Inc. - CA1360691010 - Common Stock - Currency: USD

72.15  +0.44 (+0.61%)

After market: 72.1 -0.05 (-0.07%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to CM. CM was compared to 395 industry peers in the Banks industry. CM has a bad profitability rating. Also its financial health evaluation is rather negative. CM is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

CM had positive earnings in the past year.
In the past year CM had a positive cash flow from operations.
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.
CM Yearly Net Income VS EBIT VS OCF VS FCFCM Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B 40B 60B

1.2 Ratios

CM has a worse Return On Assets (0.69%) than 62.28% of its industry peers.
Looking at the Return On Equity, with a value of 12.19%, CM belongs to the top of the industry, outperforming 83.80% of the companies in the same industry.
Industry RankSector Rank
ROA 0.69%
ROE 12.19%
ROIC N/A
ROA(3y)0.59%
ROA(5y)0.6%
ROE(3y)10.88%
ROE(5y)11.06%
ROIC(3y)N/A
ROIC(5y)N/A
CM Yearly ROA, ROE, ROICCM Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

CM's Profit Margin of 27.32% is fine compared to the rest of the industry. CM outperforms 72.15% of its industry peers.
CM's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for CM so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 27.32%
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
CM Yearly Profit, Operating, Gross MarginsCM Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

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0

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.
CM has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, CM has a worse debt to assets ratio.
CM Yearly Shares OutstandingCM Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M
CM Yearly Total Debt VS Total AssetsCM Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B 800B 1T

2.2 Solvency

The Debt to FCF ratio of CM is 7.47, which is on the high side as it means it would take CM, 7.47 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 7.47, CM is not doing good in the industry: 75.70% of the companies in the same industry are doing better.
A Debt/Equity ratio of 2.74 is on the high side and indicates that CM has dependencies on debt financing.
The Debt to Equity ratio of CM (2.74) is worse than 93.42% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.74
Debt/FCF 7.47
Altman-Z N/A
ROIC/WACCN/A
WACC18.32%
CM Yearly LT Debt VS Equity VS FCFCM Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B 40B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CM Yearly Current Assets VS Current LiabilitesCM Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 20.76% over the past year.
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 14.30%.
CM shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.59% yearly.
EPS 1Y (TTM)20.76%
EPS 3Y0.75%
EPS 5Y4.42%
EPS Q2Q%13.74%
Revenue 1Y (TTM)14.3%
Revenue growth 3Y8.56%
Revenue growth 5Y6.59%
Sales Q2Q%10.77%

3.2 Future

Based on estimates for the next years, CM will show a small growth in Earnings Per Share. The EPS will grow by 7.75% on average per year.
CM is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.36% yearly.
EPS Next Y11.92%
EPS Next 2Y9.33%
EPS Next 3Y7.75%
EPS Next 5YN/A
Revenue Next Year10.2%
Revenue Next 2Y6.9%
Revenue Next 3Y5.58%
Revenue Next 5Y4.36%

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 accelerating.
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.
CM Yearly Revenue VS EstimatesCM Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 10B 20B 30B
CM Yearly EPS VS EstimatesCM Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8

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5

4. Valuation

4.1 Price/Earnings Ratio

CM is valuated correctly with a Price/Earnings ratio of 12.27.
Compared to the rest of the industry, the Price/Earnings ratio of CM is on the same level as its industry peers.
CM's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.45.
A Price/Forward Earnings ratio of 11.13 indicates a reasonable valuation of CM.
CM's Price/Forward Earnings ratio is in line with the industry average.
CM is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.90, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.27
Fwd PE 11.13
CM Price Earnings VS Forward Price EarningsCM Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

93.16% of the companies in the same industry are more expensive than CM, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 4.09
EV/EBITDA N/A
CM Per share dataCM EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

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)1.03
PEG (5Y)2.77
EPS Next 2Y9.33%
EPS Next 3Y7.75%

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6

5. Dividend

5.1 Amount

CM has a Yearly Dividend Yield of 3.96%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.47, CM pays a bit more dividend than its industry peers.
CM's Dividend Yield is rather good when compared to the S&P500 average which is at 2.42.
Industry RankSector Rank
Dividend Yield 3.96%

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.
The dividend of CM decreased recently.
Dividend Growth(5Y)3.04%
Div Incr Years1
Div Non Decr Years1
CM Yearly Dividends per shareCM Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3 4

5.3 Sustainability

49.64% of the earnings are spent on dividend by CM. This is a bit on the high side, but may be sustainable.
CM's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP49.64%
EPS Next 2Y9.33%
EPS Next 3Y7.75%
CM Yearly Income VS Free CF VS DividendCM Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B 40B
CM Dividend Payout.CM Dividend Payout, showing the Payout Ratio.CM Dividend Payout.PayoutRetained Earnings

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CAN IMPERIAL BK OF COMMERCE

NYSE:CM (7/3/2025, 7:13:02 PM)

After market: 72.1 -0.05 (-0.07%)

72.15

+0.44 (+0.61%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)05-29 2025-05-29/bmo
Earnings (Next)08-27 2025-08-27/bmo
Inst Owners54.56%
Inst Owner Change6.19%
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap67.83B
Analysts76.52
Price Target74.82 (3.7%)
Short Float %2.03%
Short Ratio16.31
Dividend
Industry RankSector Rank
Dividend Yield 3.96%
Yearly Dividend2.3
Dividend Growth(5Y)3.04%
DP49.64%
Div Incr Years1
Div Non Decr Years1
Ex-Date06-27 2025-06-27 (0.97)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.35%
Min EPS beat(2)2.06%
Max EPS beat(2)8.63%
EPS beat(4)4
Avg EPS beat(4)5.56%
Min EPS beat(4)2.06%
Max EPS beat(4)8.63%
EPS beat(8)6
Avg EPS beat(8)2.34%
EPS beat(12)8
Avg EPS beat(12)0.58%
EPS beat(16)10
Avg EPS beat(16)1%
Revenue beat(2)1
Avg Revenue beat(2)-0.37%
Min Revenue beat(2)-3.88%
Max Revenue beat(2)3.13%
Revenue beat(4)2
Avg Revenue beat(4)0.3%
Min Revenue beat(4)-3.88%
Max Revenue beat(4)3.13%
Revenue beat(8)2
Avg Revenue beat(8)-0.84%
Revenue beat(12)3
Avg Revenue beat(12)-1.46%
Revenue beat(16)4
Avg Revenue beat(16)-1.21%
PT rev (1m)7.52%
PT rev (3m)11.63%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.1%
EPS NY rev (1m)0%
EPS NY rev (3m)2.6%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.09%
Valuation
Industry RankSector Rank
PE 12.27
Fwd PE 11.13
P/S 3.36
P/FCF 4.09
P/OCF 3.9
P/B 1.5
P/tB 1.73
EV/EBITDA N/A
EPS(TTM)5.88
EY8.15%
EPS(NY)6.48
Fwd EY8.98%
FCF(TTM)17.62
FCFY24.42%
OCF(TTM)18.49
OCFY25.62%
SpS21.45
BVpS48.07
TBVpS41.66
PEG (NY)1.03
PEG (5Y)2.77
Profitability
Industry RankSector Rank
ROA 0.69%
ROE 12.19%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.32%
GM N/A
FCFM 82.14%
ROA(3y)0.59%
ROA(5y)0.6%
ROE(3y)10.88%
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-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 2.74
Debt/FCF 7.47
Debt/EBITDA N/A
Cap/Depr 94.37%
Cap/Sales 4.02%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 300.64%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC18.32%
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)246.24%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)20.76%
EPS 3Y0.75%
EPS 5Y4.42%
EPS Q2Q%13.74%
EPS Next Y11.92%
EPS Next 2Y9.33%
EPS Next 3Y7.75%
EPS Next 5YN/A
Revenue 1Y (TTM)14.3%
Revenue growth 3Y8.56%
Revenue growth 5Y6.59%
Sales Q2Q%10.77%
Revenue Next Year10.2%
Revenue Next 2Y6.9%
Revenue Next 3Y5.58%
Revenue Next 5Y4.36%
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 1Y1.81%
FCF growth 3YN/A
FCF growth 5Y-11.45%
OCF growth 1Y1.54%
OCF growth 3YN/A
OCF growth 5Y-9.86%