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

Fundamental Rating

Overall CM gets a fundamental rating of 3 out of 10. We evaluated CM against 398 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. CM also has an excellent dividend rating.

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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.

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.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.67%, CM is doing worse than 62.81% of the companies in the same industry.

CM has a better Return On Equity (11.86%) than 81.41% of its industry peers.

		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

The Profit Margin of CM (27.29%) is better than 72.11% 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.

CM has more shares outstanding than it did 1 year ago.

Compared to 5 years ago, CM has more shares outstanding

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.

The Debt to FCF ratio of CM (6.55) is worse than 74.37% of its industry peers.

CM has a Debt/Equity ratio of 2.69. This is a high value indicating a heavy dependency on external financing.

With a Debt to Equity ratio value of 2.69, CM is not doing good in the industry: 93.47% 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

WACC16.84%

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

The Earnings Per Share has grown by an nice 18.03% over the past year.

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 12.89% in the last year.

Measured over the past years, CM shows a small growth in Revenue. The Revenue has been growing by 6.59% on average per year.

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

CM is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.75% yearly.

CM is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.98% yearly.

EPS Next Y11.92%

EPS Next 2Y9.33%

EPS Next 3Y7.75%

EPS Next 5YN/A

Revenue Next Year10.31%

Revenue Next 2Y7.07%

Revenue Next 3Y5.33%

Revenue Next 5Y3.98%

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

CM is valuated reasonably with a Price/Earnings ratio of 11.12.

CM's Price/Earnings is on the same level as the industry average.

When comparing the Price/Earnings ratio of CM to the average of the S&P500 Index (28.98), we can say CM is valued rather cheaply.

The Price/Forward Earnings ratio is 9.80, which indicates a very decent valuation of CM.

CM's Price/Forward Earnings is on the same level as the industry average.

The average S&P500 Price/Forward Earnings ratio is at 21.38. CM is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	11.12
Fwd PE	9.8

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of CM indicates a rather cheap valuation: CM is cheaper than 95.73% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	3.24
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)0.93

PEG (5Y)2.51

EPS Next 2Y9.33%

EPS Next 3Y7.75%

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5. Dividend

5.1 Amount

CM has a Yearly Dividend Yield of 4.47%, which is a nice return.

Compared to an average industry Dividend Yield of 3.53, CM pays a bit more dividend than its industry peers.

Compared to an average S&P500 Dividend Yield of 2.46, CM pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.47%

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.

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

NYSE:CM (4/29/2025, 6:40:00 PM)

After market: 62.51 0 (0%)

62.51

+0.6 (+0.97%)

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 Change0.17%

Ins Owners0.03%

Ins Owner ChangeN/A

Market Cap58.77B

Analysts79.13

Price Target70.08 (12.11%)

Short Float %2.25%

Short Ratio17.75

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.47%

Yearly Dividend2.27

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)4.57%

PT rev (3m)4.96%

EPS NQ rev (1m)-0.32%

EPS NQ rev (3m)6.7%

EPS NY rev (1m)-0.15%

EPS NY rev (3m)6.62%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)5.15%

Revenue NY rev (1m)0.19%

Revenue NY rev (3m)2.94%

Valuation

		Industry Rank	Sector Rank
PE	11.12
Fwd PE	9.8
P/S	3.05
P/FCF	3.24
P/OCF	3.1
P/B	1.33
P/tB	1.54
EV/EBITDA	N/A

EPS(TTM)5.62

EY8.99%

EPS(NY)6.38

Fwd EY10.21%

FCF(TTM)19.32

FCFY30.9%

OCF(TTM)20.14

OCFY32.22%

SpS20.46

BVpS47.07

TBVpS40.59

PEG (NY)0.93

PEG (5Y)2.51

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

WACC16.84%

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 Year10.31%

Revenue Next 2Y7.07%

Revenue Next 3Y5.33%

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) 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