CAN IMPERIAL BK OF COMMERCE (CM) Stock Fundamental Analysis

NYSE:CM • CA1360691010

97.92 USD
+1.28 (+1.32%)
Last: Feb 19, 2026, 02:38 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Taking everything into account, CM scores 3 out of 10 in our fundamental rating. CM was compared to 381 industry peers in the Banks industry. There are concerns on the financial health of CM while its profitability can be described as average. CM has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

4

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.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B 40B 60B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.72%, CM is doing worse than 64.30% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 12.58%, CM belongs to the top of the industry, outperforming 83.73% of the companies in the same industry.
Industry RankSector 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
CM Yearly ROA, ROE, ROICCM Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • CM has a better Profit Margin (27.68%) than 67.98% of its industry peers.
  • In the last couple of years the Profit Margin of CM has grown nicely.
  • CM does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
CM Yearly Profit, Operating, Gross MarginsCM Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

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 less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for CM has been increased compared to 5 years ago.
  • CM has a worse debt/assets ratio than last year.
CM Yearly Shares OutstandingCM Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M
CM Yearly Total Debt VS Total AssetsCM Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200B 400B 600B 800B 1T

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.
  • The Debt to FCF ratio of CM (13.21) is worse than 79.79% 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.
  • The Debt to Equity ratio of CM (2.62) is worse than 90.55% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.62
Debt/FCF 13.21
Altman-Z N/A
ROIC/WACCN/A
WACC14.58%
CM Yearly LT Debt VS Equity VS FCFCM Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B 40B 60B

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B 150B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

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.
  • CM shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.77%.
  • The Revenue has been growing by 9.22% on average over the past years. This is quite good.
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.
  • The Revenue is expected to grow by 3.16% on average over the next years.
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

  • 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.
CM Yearly Revenue VS EstimatesCM Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 10B 20B 30B
CM Yearly EPS VS EstimatesCM Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2 4 6 8 10

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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 15.49 indicates a correct valuation of CM.
  • 68.77% of the companies in the same industry are cheaper than CM, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of CM to the average of the S&P500 Index (27.27), we can say CM is valued slightly cheaper.
  • Based on the Price/Forward Earnings ratio of 13.63, the valuation of CM can be described as correct.
  • 66.67% of the companies in the same industry are cheaper than CM, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of CM to the average of the S&P500 Index (28.16), we can say CM is valued rather cheaply.
Industry RankSector Rank
PE 15.49
Fwd PE 13.63
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

  • Based on the Price/Free Cash Flow ratio, CM is valued a bit cheaper than 73.23% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.75
EV/EBITDA N/A
CM Per share dataCM EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

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)1.13
PEG (5Y)1.27
EPS Next 2Y11.95%
EPS Next 3Y10.64%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • CM has a Yearly Dividend Yield of 3.30%.
  • Compared to an average industry Dividend Yield of 2.78, CM pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.85, CM pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.3%

5.2 History

  • The dividend of CM is nicely growing with an annual growth rate of 8.20%!
  • 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)8.2%
Div Incr Years1
Div Non Decr Years1
CM Yearly Dividends per shareCM Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3 4

5.3 Sustainability

  • 49.51% of the earnings are spent on dividend by CM. This is a bit on the high side, but may be sustainable.
DP49.51%
EPS Next 2Y11.95%
EPS Next 3Y10.64%
CM Yearly Income VS Free CF VS DividendCM Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B 40B
CM Dividend Payout.CM Dividend Payout, showing the Payout Ratio.CM Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

CAN IMPERIAL BK OF COMMERCE

NYSE:CM (2/19/2026, 2:38:04 PM)

97.92

+1.28 (+1.32%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)12-04
Earnings (Next)02-26
Inst Owners54.09%
Inst Owner Change-5.55%
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap90.95B
Revenue(TTM)29.13B
Net Income(TTM)8.06B
Analysts75.83
Price Target95.93 (-2.03%)
Short Float %0.98%
Short Ratio7.68
Dividend
Industry RankSector Rank
Dividend Yield 3.3%
Yearly Dividend3.14
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)1.28%
PT rev (3m)17.94%
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 RankSector Rank
PE 15.49
Fwd PE 13.63
P/S 4.26
P/FCF 9.75
P/OCF 8.97
P/B 1.94
P/tB 2.23
EV/EBITDA N/A
EPS(TTM)6.32
EY6.45%
EPS(NY)7.18
Fwd EY7.34%
FCF(TTM)10.04
FCFY10.26%
OCF(TTM)10.92
OCFY11.15%
SpS22.99
BVpS50.6
TBVpS43.99
PEG (NY)1.13
PEG (5Y)1.27
Graham Number84.82
Profitability
Industry RankSector 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 RankSector 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
WACC14.58%
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 FAQ

What is the fundamental rating for CM stock?

ChartMill assigns a fundamental rating of 3 / 10 to CM.


What is the valuation status of CAN IMPERIAL BK OF COMMERCE (CM) stock?

ChartMill assigns a valuation rating of 4 / 10 to CAN IMPERIAL BK OF COMMERCE (CM). This can be considered as Fairly Valued.


What is the profitability of CM stock?

CAN IMPERIAL BK OF COMMERCE (CM) 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) is expected to grow by 13.71% in the next year.


How sustainable is the dividend of CAN IMPERIAL BK OF COMMERCE (CM) stock?

The dividend rating of CAN IMPERIAL BK OF COMMERCE (CM) is 5 / 10 and the dividend payout ratio is 49.51%.