CM Fundamental Analysis - CAN IMPERIAL BK OF COMMERCE

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to CM. CM was compared to 393 industry peers in the Banks industry. CM may be in some trouble as it scores bad on both profitability and health. CM has a decent growth rate and is not valued too expensively.

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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.

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

1.2 Ratios

The Return On Assets of CM (0.69%) is worse than 62.09% 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 83.72% of the companies in the same industry.

		Industry Rank	Sector 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

1.3 Margins

CM has a better Profit Margin (27.32%) than 72.77% of its industry peers.

In the last couple of years the Profit Margin of CM has remained more or less at the same level.

The Operating Margin and Gross Margin are not available for CM so they could not be analyzed.

		Industry Rank	Sector 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

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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.

Compared to 1 year ago, CM has more shares outstanding

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

CM has a debt to FCF ratio of 7.47. This is a slightly negative value and a sign of low solvency as CM would need 7.47 years to pay back of all of its debts.

CM has a Debt to FCF ratio of 7.47. This is in the lower half of the industry: CM underperforms 73.79% of its industry peers.

CM has a Debt/Equity ratio of 2.74. This is a high value indicating a heavy dependency on external financing.

The Debt to Equity ratio of CM (2.74) is worse than 92.88% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	2.74
Debt/FCF	7.47
Altman-Z	N/A

ROIC/WACCN/A

WACC17.76%

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 21.65%, which is quite impressive.

The Earnings Per Share has been growing slightly by 4.42% on average over the past years.

Looking at the last year, CM shows a quite strong growth in Revenue. The Revenue has grown by 14.30% in the last year.

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

EPS 1Y (TTM)21.65%

EPS 3Y0.75%

EPS 5Y4.42%

EPS Q2Q%17.14%

Revenue 1Y (TTM)14.3%

Revenue growth 3Y8.56%

Revenue growth 5Y6.59%

Sales Q2Q%13.92%

3.2 Future

CM is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.72% yearly.

CM is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.66% yearly.

EPS Next Y15.05%

EPS Next 2Y10.21%

EPS Next 3Y9.72%

EPS Next 5YN/A

Revenue Next Year10.91%

Revenue Next 2Y6.87%

Revenue Next 3Y5.51%

Revenue Next 5Y3.66%

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 12.60, CM is valued correctly.

The rest of the industry has a similar Price/Earnings ratio as CM.

When comparing the Price/Earnings ratio of CM to the average of the S&P500 Index (27.24), we can say CM is valued rather cheaply.

With a Price/Forward Earnings ratio of 11.33, the valuation of CM can be described as very reasonable.

CM's Price/Forward Earnings ratio is in line with the industry average.

CM's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.81.

		Industry Rank	Sector Rank
PE	12.6
Fwd PE	11.33

4.2 Price Multiples

CM's Price/Free Cash Flow ratio is rather cheap when compared to the industry. CM is cheaper than 93.89% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	4.2
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)0.84

PEG (5Y)2.85

EPS Next 2Y10.21%

EPS Next 3Y9.72%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.75%, CM has a reasonable but not impressive dividend return.

CM's Dividend Yield is a higher than the industry average which is at 3.30.

Compared to an average S&P500 Dividend Yield of 2.34, CM pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	3.75%

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 49.64% of its income as dividend. 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 2Y10.21%

EPS Next 3Y9.72%

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CAN IMPERIAL BK OF COMMERCE

NYSE:CM (8/22/2025, 8:04:00 PM)

After market: 73.18 0 (0%)

73.18

+0.11 (+0.15%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)05-29 2025-05-29/bmo

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

Inst Owners54.56%

Inst Owner Change-3%

Ins Owners0.03%

Ins Owner ChangeN/A

Market Cap68.17B

Analysts75.83

Price Target76.34 (4.32%)

Short Float %1.57%

Short Ratio10.93

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.75%

Yearly Dividend2.26

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)6.87%

Min EPS beat(2)5.12%

Max EPS beat(2)8.63%

EPS beat(4)4

Avg EPS beat(4)6.32%

Min EPS beat(4)3.88%

Max EPS beat(4)8.63%

EPS beat(8)6

Avg EPS beat(8)2.72%

EPS beat(12)8

Avg EPS beat(12)0.84%

EPS beat(16)10

Avg EPS beat(16)1.19%

Revenue beat(2)1

Avg Revenue beat(2)0.99%

Min Revenue beat(2)-1.14%

Max Revenue beat(2)3.13%

Revenue beat(4)2

Avg Revenue beat(4)0.98%

Min Revenue beat(4)-1.14%

Max Revenue beat(4)3.13%

Revenue beat(8)2

Avg Revenue beat(8)-0.49%

Revenue beat(12)3

Avg Revenue beat(12)-1.23%

Revenue beat(16)4

Avg Revenue beat(16)-1.04%

PT rev (1m)1.89%

PT rev (3m)9.7%

EPS NQ rev (1m)1.57%

EPS NQ rev (3m)2.13%

EPS NY rev (1m)2.8%

EPS NY rev (3m)2.8%

Revenue NQ rev (1m)0.14%

Revenue NQ rev (3m)0.08%

Revenue NY rev (1m)0.64%

Revenue NY rev (3m)0.64%

Valuation

		Industry Rank	Sector Rank
PE	12.6
Fwd PE	11.33
P/S	3.45
P/FCF	4.2
P/OCF	4
P/B	1.54
P/tB	1.77
EV/EBITDA	N/A

EPS(TTM)5.81

EY7.94%

EPS(NY)6.46

Fwd EY8.83%

FCF(TTM)17.44

FCFY23.84%

OCF(TTM)18.3

OCFY25%

SpS21.24

BVpS47.58

TBVpS41.24

PEG (NY)0.84

PEG (5Y)2.85

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC17.76%

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)21.65%

EPS 3Y0.75%

EPS 5Y4.42%

EPS Q2Q%17.14%

EPS Next Y15.05%

EPS Next 2Y10.21%

EPS Next 3Y9.72%

EPS Next 5YN/A

Revenue 1Y (TTM)14.3%

Revenue growth 3Y8.56%

Revenue growth 5Y6.59%

Sales Q2Q%13.92%

Revenue Next Year10.91%

Revenue Next 2Y6.87%

Revenue Next 3Y5.51%

Revenue Next 5Y3.66%

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%

CAN IMPERIAL BK OF COMMERCE (CM) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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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

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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