CAN IMPERIAL BK OF COMMERCE(TSX:CM) stock Fundamental Analysis

Fundamental Rating

CM gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 30 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

In the past year CM was profitable.

In the past year CM had a positive cash flow from operations.

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

With a Return On Assets value of 0.67%, CM perfoms like the industry average, outperforming 50.00% of the companies in the same industry.

The Return On Equity of CM (11.86%) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
ROA	0.67%
ROE	11.86%
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 Profit Margin of 27.29%. This is comparable to the rest of the industry: CM outperforms 50.00% 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)	27.29%
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

The number of shares outstanding for CM has been increased compared to 5 years ago.

The debt/assets ratio for CM is higher compared to a year ago.

2.2 Solvency

CM has a debt to FCF ratio of 6.55. This is a slightly negative value and a sign of low solvency as CM would need 6.55 years to pay back of all of its debts.

Looking at the Debt to FCF ratio, with a value of 6.55, CM is in the better half of the industry, outperforming 70.00% of the companies in the same industry.

A Debt/Equity ratio of 2.69 is on the high side and indicates that CM has dependencies on debt financing.

With a Debt to Equity ratio value of 2.69, CM is not doing good in the industry: 86.67% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Debt/Equity	2.69
Debt/FCF	6.55
Altman-Z	N/A

ROIC/WACCN/A

WACC16.94%

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 18.03%, which is quite good.

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

CM shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.89%.

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

EPS 1Y (TTM)18.03%

EPS 3Y0.75%

EPS 5Y4.42%

EPS Q2Q%21.55%

Revenue 1Y (TTM)12.89%

Revenue growth 3Y8.56%

Revenue growth 5Y6.59%

Sales Q2Q%17.04%

3.2 Future

The Earnings Per Share is expected to grow by 7.75% on average over the next years.

The Revenue is expected to grow by 3.98% on average over the next years.

EPS Next Y11.92%

EPS Next 2Y9.33%

EPS Next 3Y7.75%

EPS Next 5YN/A

Revenue Next Year10.1%

Revenue Next 2Y7.21%

Revenue Next 3Y5.55%

Revenue Next 5Y3.98%

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better 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 10.74, the valuation of CM can be described as reasonable.

Based on the Price/Earnings ratio, CM is valued more expensive than 80.00% of the companies in the same industry.

CM's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.92.

A Price/Forward Earnings ratio of 9.46 indicates a reasonable valuation of CM.

Compared to the rest of the industry, the Price/Forward Earnings ratio of CM indicates a rather expensive valuation: CM more expensive than 83.33% of the companies listed in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 21.65, CM is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.74
Fwd PE	9.46

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of CM is on the same level as its industry peers.

		Industry Rank	Sector Rank
P/FCF	3.12
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)0.9

PEG (5Y)2.43

EPS Next 2Y9.33%

EPS Next 3Y7.75%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.58%, CM is a good candidate for dividend investing.

CM's Dividend Yield is comparable with the industry average which is at 4.53.

CM's Dividend Yield is rather good when compared to the S&P500 average which is at 2.51.

		Industry Rank	Sector Rank
Dividend Yield	4.58%

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.

Dividend Growth(5Y)3.04%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

CM pays out 46.04% of its income as dividend. This is a bit on the high side, but may be sustainable.

The dividend of CM is growing, but earnings are growing more, so the dividend growth is sustainable.

DP46.04%

EPS Next 2Y9.33%

EPS Next 3Y7.75%

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CAN IMPERIAL BK OF COMMERCE

TSX:CM (4/24/2025, 7:00:00 PM)

83.66

+0.11 (+0.13%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-27 2025-02-27/bmo

Earnings (Next)05-28 2025-05-28/bmo

Inst Owners55.06%

Inst Owner ChangeN/A

Ins Owners0.03%

Ins Owner ChangeN/A

Market Cap78.65B

Analysts79.13

Price Target97.93 (17.06%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.58%

Yearly Dividend3.15

Dividend Growth(5Y)3.04%

DP46.04%

Div Incr Years0

Div Non Decr Years0

Ex-Date03-28 2025-03-28 (0.97)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)6.26%

Min EPS beat(2)3.88%

Max EPS beat(2)8.63%

EPS beat(4)4

Avg EPS beat(4)5.79%

Min EPS beat(4)3%

Max EPS beat(4)8.63%

EPS beat(8)6

Avg EPS beat(8)2.24%

EPS beat(12)7

Avg EPS beat(12)0.12%

EPS beat(16)10

Avg EPS beat(16)1.85%

Revenue beat(2)1

Avg Revenue beat(2)1.28%

Min Revenue beat(2)-0.57%

Max Revenue beat(2)3.13%

Revenue beat(4)2

Avg Revenue beat(4)0.8%

Min Revenue beat(4)-1.85%

Max Revenue beat(4)3.13%

Revenue beat(8)2

Avg Revenue beat(8)-0.72%

Revenue beat(12)3

Avg Revenue beat(12)-1.22%

Revenue beat(16)5

Avg Revenue beat(16)-0.94%

PT rev (1m)0.97%

PT rev (3m)2.07%

EPS NQ rev (1m)-0.32%

EPS NQ rev (3m)6.7%

EPS NY rev (1m)2.6%

EPS NY rev (3m)6.62%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)5.15%

Revenue NY rev (1m)0%

Revenue NY rev (3m)3.07%

Valuation

		Industry Rank	Sector Rank
PE	10.74
Fwd PE	9.46
P/S	2.95
P/FCF	3.12
P/OCF	3
P/B	1.28
P/tB	1.49
EV/EBITDA	N/A

EPS(TTM)7.79

EY9.31%

EPS(NY)8.85

Fwd EY10.57%

FCF(TTM)26.77

FCFY32%

OCF(TTM)27.92

OCFY33.37%

SpS28.36

BVpS65.25

TBVpS56.27

PEG (NY)0.9

PEG (5Y)2.43

Profitability

		Industry Rank	Sector Rank
ROA	0.67%
ROE	11.86%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	27.29%
GM	N/A
FCFM	94.39%

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 Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	2.69
Debt/FCF	6.55
Debt/EBITDA	N/A
Cap/Depr	90.93%
Cap/Sales	4.02%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	345.85%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC16.94%

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)18.03%

EPS 3Y0.75%

EPS 5Y4.42%

EPS Q2Q%21.55%

EPS Next Y11.92%

EPS Next 2Y9.33%

EPS Next 3Y7.75%

EPS Next 5YN/A

Revenue 1Y (TTM)12.89%

Revenue growth 3Y8.56%

Revenue growth 5Y6.59%

Sales Q2Q%17.04%

Revenue Next Year10.1%

Revenue Next 2Y7.21%

Revenue Next 3Y5.55%

Revenue Next 5Y3.98%

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 1Y11.01%

FCF growth 3YN/A

FCF growth 5Y-11.45%

OCF growth 1Y10.13%

OCF growth 3YN/A

OCF growth 5Y-9.86%

CAN IMPERIAL BK OF COMMERCE (CM.CA) 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