` Comparison: BMO, CM - Alpha Spread

BMO
vs
CM

Over the past 12 months, BMO has underperformed CM, delivering a return of +35% compared to the CM's +43% growth.

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BMO
CM
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One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
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Valuation
Growth
Profitability
Solvency
Comparing Valuation
Running a multi-layered valuation analysis to compare how attractive each stock is.
Comparing Growth
Financial growth, forecasts, volatility, and historical drawdowns.
Comparing Profitability
Margins, returns on capital, and the consistency of profitability.
Comparing Solvency
Debt levels, liquidity, interest coverage, and bankruptcy risk.
Summarizing...
We need a little more time to summarize the results

Valuation Comparison

BMO Intrinsic Value
147.21 USD
Undervaluation 22%
Intrinsic Value
Price
CM Intrinsic Value
124.41 CAD
Undervaluation 19%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Bank of Montreal
NYSE:BMO
114.83 USD
Canadian Imperial Bank of Commerce
TSX:CM
100.96 CAD
Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
BMO, CM

Revenue
www.alphaspread.com
Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Bank of Montreal
Revenue
Canadian Imperial Bank of Commerce
Revenue

All metrics are calculated based on data from the last 10 years.

Profitability Comparison

Free Cash Flow
BMO, CM

Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Bank of Montreal
NYSE:BMO
FCF is not applicable for financial companies
Canadian Imperial Bank of Commerce
TSX:CM
FCF is not applicable for financial companies
What is Free Cash Flow?

Gross Margin

BMO
CM
LTM 3Y Avg 5Y Avg 10Y Avg
Bank of Montreal
Not applicable for financial companies
Canadian Imperial Bank of Commerce
Not applicable for financial companies

Operating Margin

BMO
CM
LTM 3Y Avg 5Y Avg 10Y Avg
Bank of Montreal
Not applicable for financial companies
Canadian Imperial Bank of Commerce
Not applicable for financial companies

Net Margin

BMO
22.4%
CM
27.3%

FCF Margin

BMO
CM
LTM 3Y Avg 5Y Avg 10Y Avg
Bank of Montreal
Not applicable for financial companies
Canadian Imperial Bank of Commerce
Not applicable for financial companies

ROE

BMO
9.5%
CM
12.9%

ROA

BMO
0.6%
CM
0.7%

ROIC

BMO
CM
LTM 3Y Avg 5Y Avg 10Y Avg
Bank of Montreal
Not applicable for financial companies
Canadian Imperial Bank of Commerce
Not applicable for financial companies

ROCE

BMO
CM
LTM 3Y Avg 5Y Avg 10Y Avg
Bank of Montreal
Not applicable for financial companies
Canadian Imperial Bank of Commerce
Not applicable for financial companies

Solvency Comparison

Balance Sheet Comparison

Stocks Performance

Stocks Performance
BMO, CM

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Performance Gap
BMO, CM

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BMO
CM
Difference
www.alphaspread.com

Performance By Year
BMO, CM

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