CM vs. UMBF: Cdn Imperial Bank of Commerce vs. UMB Financial Stock Comparison

Company Profile

Cdn Imperial Bank of Commerce (CM) and UMB Financial (UMBF) both belong to the Banks industry, though CM is classified under Diversified Banks while UMBF falls under Regional Banks.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

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 UMB Financial (UMBF) at 13.50% is closer to the peer norm — stronger capital efficiency for CM.

UMB Financial (UMBF) at 35.61% retains a top-quartile share of revenue as profit, ahead of Cdn Imperial Bank of Commerce (CM) at 33.74%, which keeps about the industry-typical share.

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

Profitability Metrics

Growth

UMB Financial (UMBF) at 65.66% clears its industry range for revenue growth, far stronger top-line momentum than Cdn Imperial Bank of Commerce (CM) at 13.66%, which is closer to a typical peer reading.

Cdn Imperial Bank of Commerce (CM) at 17.72% is around its peer norm for EPS growth, while UMB Financial (UMBF) at 3.34% 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 UMB Financial (UMBF) 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 UMB Financial (UMBF) 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% delivers top-quartile income for its industry, while UMB Financial (UMBF) at 1.33% pays a more typical yield — both are credible income propositions, CM the richer one.

Cdn Imperial Bank of Commerce (CM) at 40.12% keeps its payout within the industry’s typical band; UMB Financial (UMBF) at 13.54% pays out less than peers usually do, retaining more of its earnings — a policy difference more than a quality gap.

Dividend Metrics

Valuation

UMB Financial (UMBF) at 10.12 sits in the cheaper P/E ratio quartile, while Cdn Imperial Bank of Commerce (CM) at 15.32 sits in the richer quartile — a clear split in what investors pay for each dollar of trailing earnings.

P/S ratio is set aside for both Cdn Imperial Bank of Commerce (CM) in Banks and UMB Financial (UMBF) 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.

UMB Financial (UMBF) at 1.34 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