CM vs. FCNCA: Cdn Imperial Bank of Commerce vs. First Citizens BancShares Stock Comparison

Company Profile

Cdn Imperial Bank of Commerce (CM) and First Citizens BancShares (FCNCA) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Cdn Imperial Bank of Commerce (CM) trades around 1.09M shares per day on average, while First Citizens BancShares (FCNCA) sees only 68.57K — a volume gap that can matter for position sizing, exit liquidity, and order execution.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Cdn Imperial Bank of Commerce (CM) at 15.58% sits in the top ROE quartile, while First Citizens BancShares (FCNCA) at 10.98% is closer to the peer norm — stronger capital efficiency for CM.

Cdn Imperial Bank of Commerce (CM) at 33.74% keeps about the industry-typical share of revenue as profit, while First Citizens BancShares (FCNCA) at 25.21% retains only a bottom-quartile share.

Neither side reports a meaningful operating margin: for Cdn Imperial Bank of Commerce (CM) in Banks and First Citizens BancShares (FCNCA) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Cdn Imperial Bank of Commerce (CM) at 13.66% is around its peer norm for revenue growth, while First Citizens BancShares (FCNCA) at -2.61% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Cdn Imperial Bank of Commerce (CM) at 17.72% is around its peer norm for EPS growth, while First Citizens BancShares (FCNCA) at -12.76% drops into the bottom quartile, signaling weaker earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Cdn Imperial Bank of Commerce (CM) in Banks and First Citizens BancShares (FCNCA) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: Cdn Imperial Bank of Commerce (CM) in Banks and First Citizens BancShares (FCNCA) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

Cdn Imperial Bank of Commerce (CM) at 3.62% offers top-quartile income, while First Citizens BancShares (FCNCA) at 0.36% sits in the bottom quartile — a wide gap in cash returned to shareholders.

Cdn Imperial Bank of Commerce (CM) at 40.12% keeps its payout within the industry’s typical band; First Citizens BancShares (FCNCA) at 4.31% pays out less than peers usually do, retaining more of its earnings — a policy difference more than a quality gap.

Dividend Metrics

Valuation

First Citizens BancShares (FCNCA) at 11.68 is near its industry’s usual P/E ratio, while Cdn Imperial Bank of Commerce (CM) at 15.32 sits in the richer quartile — CM needs stronger growth or earnings quality to justify the premium.

P/S ratio is set aside for both Cdn Imperial Bank of Commerce (CM) in Banks and First Citizens BancShares (FCNCA) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.

First Citizens BancShares (FCNCA) at 1.29 is valued about in line with its industry on P/B ratio, while Cdn Imperial Bank of Commerce (CM) at 2.24 carries an above-peer premium to book — CM is pricier on assets.

Valuation Metrics