(CM) Canadian Imperial Bank Of - Ratings and Ratios
Loans, Credit Cards, Mortgages, Investment Services, Banking Accounts
CM EPS (Earnings per Share)
CM Revenue
Description: CM Canadian Imperial Bank Of
Canadian Imperial Bank of Commerce (CM) is a diversified financial institution with a presence in Canada, the US, and internationally, offering a wide range of financial products and services to various client segments. Its diverse business lines include personal and business banking, commercial banking, wealth management, and capital markets, providing a broad array of financial solutions.
From a operational perspective, CM operates through multiple segments, including Canadian Personal and Business Banking, Canadian Commercial Banking and Wealth Management, and U.S. Commercial Banking and Wealth Management, among others. This diversified business model allows the bank to leverage opportunities across different geographies and client segments, potentially reducing dependence on any one particular business line.
Key Performance Indicators (KPIs) for CM include its efficiency ratio, which measures the banks ability to manage expenses relative to revenue. A lower efficiency ratio is generally more desirable, indicating better cost management. Additionally, the banks loan-to-deposit ratio is an important metric, as it indicates the proportion of deposits being used to fund loans, a key revenue-generating activity. CMs return on equity (RoE) of 13.07% is a relevant metric, indicating the banks ability to generate profits from shareholders equity. Other relevant KPIs include its net interest margin (NIM), which measures the difference between interest income and expense, and its provision for credit losses (PCL), which indicates the banks exposure to credit risk.
From a valuation perspective, CMs price-to-earnings (P/E) ratio of 12.48 and forward P/E of 11.48 suggest a relatively reasonable valuation compared to its earnings. The banks market capitalization of $67.95 billion USD indicates its size and market presence. Overall, CMs diversified business model, geographic presence, and financial performance make it a significant player in the banking industry.
CM Stock Overview
| Market Cap in USD | 72,599m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 1997-11-13 |
CM Stock Ratings
| Growth Rating | 80.1% |
| Fundamental | 63.1% |
| Dividend Rating | 61.1% |
| Return 12m vs S&P 500 | 14.8% |
| Analyst Rating | 3.56 of 5 |
CM Dividends
| Dividend Yield 12m | 4.82% |
| Yield on Cost 5y | 12.19% |
| Annual Growth 5y | -5.99% |
| Payout Consistency | 91.4% |
| Payout Ratio | 33.4% |
CM Growth Ratios
| Growth Correlation 3m | 83.3% |
| Growth Correlation 12m | 66.9% |
| Growth Correlation 5y | 56.5% |
| CAGR 5y | 26.90% |
| CAGR/Max DD 3y | 1.11 |
| CAGR/Mean DD 3y | 5.39 |
| Sharpe Ratio 12m | 1.75 |
| Alpha | 0.02 |
| Beta | 0.577 |
| Volatility | 16.79% |
| Current Volume | 874.2k |
| Average Volume 20d | 1007.6k |
| Stop Loss | 77.8 (-3%) |
| Signal | 0.28 |
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income (8.13b TTM) > 0 and > 6% of Revenue (6% = 3.76b TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA -0.79pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1106 % (prev -1026 %; Δ -80.25pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 17.29b > Net Income 8.13b (YES >=105%, WARN >=100%) |
| Net Debt (314.06b) to EBITDA (11.70b) ratio: 26.85 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.17 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (937.5m) change vs 12m ago -0.87% (target <= -2.0% for YES) |
| Gross Margin 41.32% (prev 36.00%; Δ 5.32pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 5.90% (prev 6.16%; Δ -0.26pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.30 (EBITDA TTM 11.70b / Interest Expense TTM 34.63b) >= 6 (WARN >= 3) |
Altman Z'' -3.90
| (A) -0.63 = (Total Current Assets 139.28b - Total Current Liabilities 832.76b) / Total Assets 1102.26b |
| (B) 0.03 = Retained Earnings (Balance) 35.66b / Total Assets 1102.26b |
| (C) 0.01 = EBIT TTM 10.55b / Avg Total Assets 1061.83b |
| (D) 0.05 = Book Value of Equity 55.76b / Total Liabilities 1039.38b |
| Total Rating: -3.90 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 63.06
| 1. Piotroski 3.50pt = -1.50 |
| 2. FCF Yield 4.90% = 2.45 |
| 3. FCF Margin 25.80% = 6.45 |
| 4. Debt/Equity 5.90 = -2.50 |
| 5. Debt/Ebitda 31.57 = -2.50 |
| 6. ROIC - WACC (= -0.04)% = -0.05 |
| 7. RoE 13.31% = 1.11 |
| 8. Rev. Trend 75.66% = 5.67 |
| 9. EPS Trend 78.48% = 3.92 |
What is the price of CM shares?
Over the past week, the price has changed by +1.78%, over one month by +8.73%, over three months by +18.14% and over the past year by +36.10%.
Is Canadian Imperial Bank Of a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of CM is around 91.49 USD . This means that CM is currently undervalued and has a potential upside of +14.02% (Margin of Safety).
Is CM a buy, sell or hold?
- Strong Buy: 3
- Buy: 5
- Hold: 6
- Sell: 2
- Strong Sell: 0
What are the forecasts/targets for the CM price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 76.4 | -4.8% |
| Analysts Target Price | 76.4 | -4.8% |
| ValueRay Target Price | 97.1 | 21% |
Last update: 2025-09-10 02:42
CM Fundamental Data Overview
CCE Cash And Equivalents = 139.28b CAD (Cash And Short Term Investments, last quarter)
P/E Trailing = 13.0619
P/E Forward = 12.0773
P/S = 2.7904
P/B = 1.7965
P/EG = 4.3277
Beta = 1.247
Revenue TTM = 62.69b CAD
EBIT TTM = 10.55b CAD
EBITDA TTM = 11.70b CAD
Long Term Debt = 134.09b CAD (from longTermDebt, last quarter)
Short Term Debt = 235.15b CAD (from shortTermDebt, last quarter)
Debt = 369.24b CAD (Calculated: Short Term 235.15b + Long Term 134.09b)
Net Debt = 314.06b CAD (from netDebt column, last quarter)
Enterprise Value = 329.97b CAD (100.01b + Debt 369.24b - CCE 139.28b)
Interest Coverage Ratio = 0.30 (Ebit TTM 10.55b / Interest Expense TTM 34.63b)
FCF Yield = 4.90% (FCF TTM 16.17b / Enterprise Value 329.97b)
FCF Margin = 25.80% (FCF TTM 16.17b / Revenue TTM 62.69b)
Net Margin = 12.97% (Net Income TTM 8.13b / Revenue TTM 62.69b)
Gross Margin = 41.32% ((Revenue TTM 62.69b - Cost of Revenue TTM 36.78b) / Revenue TTM)
Tobins Q-Ratio = 5.92 (Enterprise Value 329.97b / Book Value Of Equity 55.76b)
Interest Expense / Debt = 2.18% (Interest Expense 8.04b / Debt 369.24b)
Taxrate = 21.95% (2.01b / 9.17b)
NOPAT = 8.24b (EBIT 10.55b * (1 - 21.95%))
Current Ratio = 0.17 (Total Current Assets 139.28b / Total Current Liabilities 832.76b)
Debt / Equity = 5.90 (Debt 369.24b / last Quarter total Stockholder Equity 62.60b)
Debt / EBITDA = 31.57 (Net Debt 314.06b / EBITDA 11.70b)
Debt / FCF = 22.83 (Debt 369.24b / FCF TTM 16.17b)
Total Stockholder Equity = 61.09b (last 4 quarters mean)
RoA = 0.74% (Net Income 8.13b, Total Assets 1102.26b )
RoE = 13.31% (Net Income TTM 8.13b / Total Stockholder Equity 61.09b)
RoCE = 5.41% (Ebit 10.55b / (Equity 61.09b + L.T.Debt 134.09b))
RoIC = 3.03% (NOPAT 8.24b / Invested Capital 271.81b)
WACC = 3.07% (E(100.01b)/V(469.25b) * Re(8.14%)) + (D(369.24b)/V(469.25b) * Rd(2.18%) * (1-Tc(0.22)))
Shares Correlation 3-Years: 72.73 | Cagr: 0.31%
Discount Rate = 8.14% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 70.32% ; FCFE base≈18.92b ; Y1≈12.57b ; Y5≈5.89b
Fair Price DCF = 122.1 (DCF Value 113.46b / Shares Outstanding 929.5m; 5y FCF grow -39.14% → 3.0% )
EPS Correlation: 78.48 | EPS CAGR: 17.19% | SUE: 1.32 | # QB: 3
Revenue Correlation: 75.66 | Revenue CAGR: 15.08% | SUE: N/A | # QB: None
Additional Sources for CM Stock
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Fund Manager Positions: Dataroma | Stockcircle