CM Stock Analysis: Canadian Imperial Bank Of | NYSE
Banks - Diversified | NYSE, USA | Market Cap: 103.968m USD | 12M Return: 63% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 159M
EPS Trend: 94.5%
Qual. Beats: 6
Rev. Trend: 67.9%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Canadian Imperial Bank of Commerce (NYSE: CM) is a diversified financial institution headquartered in Toronto, Canada, founded in 1867. The bank serves personal, business, public sector, and institutional clients across Canada, the United States, and select international markets. CIBC is classified within the Diversified Banks sub-industry of the Financials sector and is one of Canadas major chartered banks.
The company operates through five reportable segments: Canadian Personal and Business Banking; Canadian Commercial Banking and Wealth Management; U.S. Commercial Banking and Wealth Management; Capital Markets and Direct Financial Services; and Corporate and Other. Its business model spans retail and commercial banking, wealth management, capital markets, and direct financial services, generating revenue primarily through net interest income on loans and deposits, fee-based services such as wealth management and investment products, and trading activities.
CIBCs product offerings include checking and savings accounts, mortgages, personal and business loans, lines of credit, credit cards, cash management, small business financing, and overdraft protection. The bank also provides investment and insurance services, private banking, wealth and estate planning, trust services, and digital banking channels including mobile, online, and ATM platforms, along with global money and wire transfer services.
- Bank of Canada rate cuts pressure net interest margins
- Canadian mortgage book exposed to housing market slowdown
- U.S. commercial banking expansion drives loan growth
| Net Income: 9.82b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.83 > 1.0 |
| NWC/Revenue: -1.15k% < 20% (prev -1.07k%; Δ -79.33% < -1%) |
| CFO/TA 0.01 > 3% & CFO 15.6b > Net Income 9.82b |
| Net Debt (210b) to EBITDA (13.4b): 15.72 < 3 |
| Current Ratio: 0.18 > 1.5 & < 3 |
| Outstanding Shares: last quarter (680.0m) vs 12m ago -27.87% < -2% |
| Gross Margin: 46.47% > 18% (prev 39.64%; Δ 6.82% > 0.5%) |
| Asset Turnover: 5.50% > 50% (prev 5.86%; Δ -0.37% > 0%) |
| Interest Coverage Ratio: 0.39 > 6 (EBIT TTM 12.1b / Interest Expense TTM 30.8b) |
| A: -0.61 (Total Current Assets 152b - Total Current Liabilities 866b) / Total Assets 1161b |
| B: 0.03 (Retained Earnings 38.2b / Total Assets 1161b) |
| C: 0.01 (EBIT TTM 12.1b / Avg Total Assets 1125b) |
| D: 0.06 (Book Value of Equity 65.7b / Total Liabilities 1095b) |
| Altman-Z'' = -3.79 = D |
As of July 05, 2026, the stock is trading at USD 113.90 with a total of 1,420,900 shares traded. Over the past week, the price has changed by +0.25%, over one month by +6.75%, over three months by +18.00% and over the past year by +62.99%.
Current recommended Stop Loss: 110.20 (which is 3.2% or 1.8 ATR below the current price).
Canadian Imperial Bank Of has received a consensus analysts rating of 3.56. Therefore, it is recommended to hold CM.
- StrongBuy: 3
- Buy: 5
- Hold: 6
- Sell: 2
- StrongSell: 0
| Analysts Target Price | 109.6 | -3.8% |
Market Cap CAD = 148b (104b USD * 1.4194 USD.CAD)
P/E Trailing = 16.0423
P/E Forward = 14.7929
P/S = 3.5979
P/B = 2.5785
P/EG = 2.0952
Revenue TTM = 61.8b CAD
EBIT TTM = 12.1b CAD
EBITDA TTM = 13.4b CAD
Long Term Debt = 140b CAD (from longTermDebt, last quarter)
Short Term Debt = 221b CAD (from shortTermDebt, last quarter)
Debt = 362b CAD (from shortLongTermDebtTotal, last quarter) + Leases 1.87b
Net Debt = 210b CAD (calculated: Debt 362b - CCE 152b)
Enterprise Value = 358b CAD (148b + Debt 362b - CCE 152b)
Interest Coverage Ratio = 0.39 (Ebit TTM 12.1b / Interest Expense TTM 30.8b)
EV/FCF = 24.84x (Enterprise Value 358b / FCF TTM 14.4b)
FCF Yield = 4.03% (FCF TTM 14.4b / Enterprise Value 358b)
FCF Margin = 23.28% (FCF TTM 14.4b / Revenue TTM 61.8b)
Net Margin = 15.88% (Net Income TTM 9.82b / Revenue TTM 61.8b)
Gross Margin = 46.47% ((Revenue TTM 61.8b - Cost of Revenue TTM 33.1b) / Revenue TTM)
Gross Margin QoQ = 48.34% (prev 49.02%)
Tobins Q-Ratio = 0.31 (Enterprise Value 358b / Total Assets 1161b)
Interest Expense / Debt = 8.49% (Interest Expense 30.8b / Debt 362b)
Taxrate = 19.55% (2.37b / 12.1b)
NOPAT = 9.77b (EBIT 12.1b * (1 - 19.55%))
Current Ratio = 0.18 (Total Current Assets 152b / Total Current Liabilities 866b)
Debt / Equity = 5.52 (Debt 362b / totalStockholderEquity, last quarter 65.7b)
Debt / EBITDA = 15.72 (Net Debt 210b / EBITDA 13.4b)
Debt / FCF = 14.59 (Net Debt 210b / FCF TTM 14.4b)
Total Stockholder Equity = 64.4b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.87% (Net Income 9.82b / Total Assets 1161b)
RoE = 15.25% (Net Income TTM 9.82b / Total Stockholder Equity 64.4b)
RoCE = 5.95% (EBIT 12.1b / Capital Employed (Equity 64.4b + L.T.Debt 140b))
RoIC = 1.91% (NOPAT 9.77b / Invested Capital 513b)
WACC = 7.18% (E(148b)/V(510b) * Re(8.02%) + D(362b)/V(510b) * Rd(8.49%) * (1-Tc(0.20)))
Discount Rate = 8.02% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -42.22 | Cagr: -13.09%
[DCF] Terminal Value 73.10% ; FCFF base≈17.7b ; Y1≈15.5b ; Y5≈12.5b
[DCF] Fair Price = N/A (negative equity: EV 201b - Net Debt 210b = -8.92b; debt exceeds intrinsic value)
EPS Correlation: 94.53 | EPS CAGR: 11.71% | SUE: 1.70 | # QB: 6
Revenue Correlation: 67.91 | Revenue CAGR: 5.44% | SUE: 0.58 | # QB: 0
EPS current Quarter (2026-07-31): EPS=2.50 | Chg30d=+0.27% | Revisions=-15% | Analysts=12
EPS current Year (2026-10-31): EPS=10.28 | Chg30d=+0.45% | Revisions=+13% | GrowthEPS=+19.4% | GrowthRev=+11.7%
EPS next Year (2027-10-31): EPS=11.12 | Chg30d=+0.81% | Revisions=+0% | GrowthEPS=+8.2% | GrowthRev=+3.4%
[Analyst] Revisions Ratio: +0% (up=17, down=17)