CM Stock Analysis: Canadian Imperial Bank Of | NYSE
Banks - Diversified | NYSE, USA | Market Cap: 103.141m USD | 12M Return: 41.7% | CA1360691010 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 142M
EPS Trend: 88.8%
Qual. Beats: 7
Rev. Trend: 54.8%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.7 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 serving personal, business, public sector, and institutional clients across Canada, the United States, and international markets. Founded in 1867 and headquartered in Toronto, CIBC is one of Canadas largest banks and a large-cap member of the Diversified Banks sub-industry within the Financials sector. The company reports its operations across five main segments, including 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.
CIBCs service offerings span the full range of retail and commercial banking activities, including checking, savings, agriculture, and business accounts; mortgages; personal, auto, education, home, and business loans; lines of credit; and cash management, overdraft protection, and small business financing solutions. As with most diversified banks, this broad product mix allows the company to generate revenue from net interest income, fees, and transaction-based services across multiple customer segments.
In addition to core banking products, CIBC provides investment, insurance, credit card, private banking, wealth planning, investment management, estate planning, and trust services, alongside ATMs, mobile and online banking, and global money and wire transfer capabilities. The inclusion of dedicated Canadian and U.S. Commercial Banking and Wealth Management segments reflects CIBCs cross-border growth strategy, particularly its emphasis on expanding U.S. commercial banking operations to complement its established domestic franchise.
- Net interest margin compresses as Bank of Canada cuts rates
- U.S. Commercial Banking expansion accelerates loan and deposit growth
- Canadian mortgage portfolio exposed to housing market correction risk
| Net Income: 10.1b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.54 > 1.0 |
| NWC/Revenue: -1.35k% < 20% (prev -1.11k%; Δ -247.9% < -1%) |
| CFO/TA 0.01 > 3% & CFO 14.1b > Net Income 10.1b |
| Net Debt (165b) to EBITDA (13.9b): 11.82 < 3 |
| Current Ratio: 0.02 > 1.5 & < 3 |
| Outstanding Shares: last quarter (655.3m) vs 12m ago -30.10% < -2% |
| Gross Margin: 47.52% > 18% (prev 41.32%; Δ 6.20% > 0.5%) |
| Asset Turnover: 5.51% > 50% (prev 5.69%; Δ -0.18% > 0%) |
| Interest Coverage Ratio: 0.41 > 6 (EBIT TTM 12.5b / Interest Expense TTM 30.6b) |
| A: -0.72 (Total Current Assets 15.3b - Total Current Liabilities 866b) / Total Assets 1178b |
| B: 0.03 (Retained Earnings 38.4b / Total Assets 1178b) |
| C: 0.01 (EBIT TTM 12.5b / Avg Total Assets 1140b) |
| D: 0.06 (Book Value of Equity 67.2b / Total Liabilities 1111b) |
| Altman-Z'' = -4.49 = D |
As of October 04, 2026, the stock is trading at USD 111.02 with a total of 1,838,522 shares traded. Over the past week, the price has changed by -1.62%, over one month by -3.37%, over three months by -1.87% and over the past year by +41.68%.
Current recommended Stop Loss: 105.20 (which is 5.2% or 2.6 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 | 119.3 | 7.5% |
Market Cap CAD = 147b (103b USD * 1.4247 USD.CAD)
P/E Trailing = 15.4348
P/E Forward = 13.6799
P/S = 3.4374
P/B = 2.401
P/EG = 1.7128
Revenue TTM = 62.8b CAD
EBIT TTM = 12.5b CAD
EBITDA TTM = 13.9b CAD
Long Term Debt = 140b CAD (from longTermDebt, last quarter)
Short Term Debt = 160b CAD (from shortTermDebt, last quarter)
Debt = 180b CAD (from shortLongTermDebtTotal, last quarter) + Leases 1.98b
Net Debt = 165b CAD (calculated: Debt 180b - CCE 15.3b)
Enterprise Value = 311b CAD (147b + Debt 180b - CCE 15.3b)
Interest Coverage Ratio = 0.41 (Ebit TTM 12.5b / Interest Expense TTM 30.6b)
EV/FCF = 28.41x (Enterprise Value 311b / FCF TTM 11.0b)
FCF Yield = 3.52% (FCF TTM 11.0b / Enterprise Value 311b)
FCF Margin = 17.46% (FCF TTM 11.0b / Revenue TTM 62.8b)
Net Margin = 16.13% (Net Income TTM 10.1b / Revenue TTM 62.8b)
Gross Margin = 47.52% ((Revenue TTM 62.8b - Cost of Revenue TTM 32.9b) / Revenue TTM)
Gross Margin QoQ = 47.92% (prev 48.34%)
Tobins Q-Ratio = 0.26 (Enterprise Value 311b / Total Assets 1178b)
Interest Expense / Debt = 17.02% (Interest Expense 30.6b / Debt 180b)
Taxrate = 19.62% (2.46b / 12.5b)
NOPAT = 10.1b (EBIT 12.5b * (1 - 19.62%))
Current Ratio = 0.02 (Total Current Assets 15.3b / Total Current Liabilities 866b)
Debt / Equity = 2.68 (Debt 180b / totalStockholderEquity, last quarter 67.2b)
Debt / EBITDA = 11.82 (Net Debt 165b / EBITDA 13.9b)
Debt / FCF = 15.00 (Net Debt 165b / FCF TTM 11.0b)
Total Stockholder Equity = 65.6b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.89% (Net Income 10.1b / Total Assets 1178b)
RoE = 15.44% (Net Income TTM 10.1b / Total Stockholder Equity 65.6b)
RoCE = 6.09% (EBIT 12.5b / Capital Employed (Equity 65.6b + L.T.Debt 140b))
RoIC = 0.86% (NOPAT 10.1b / Invested Capital 1175b)
WACC = 11.18% (E(147b)/V(327b) * Re(8.12%) + D(180b)/V(327b) * Rd(17.02%) * (1-Tc(0.20)))
Discount Rate = 8.12% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -81.43 | Cagr: -14.81%
[DCF] Terminal Value 63.32% ; FCFF base≈13.0b ; Y1≈11.4b ; Y5≈9.25b
[DCF] Fair Price = N/A (negative equity: EV 102b - Net Debt 165b = -63.0b; debt exceeds intrinsic value)
EPS Correlation: 88.76 | EPS CAGR: 10.13% | SUE: 3.01 | # QB: 7
Revenue Correlation: 54.80 | Revenue CAGR: 2.66% | SUE: 0.64 | # QB: 0
EPS current Quarter (2027-01-31): EPS=2.83 | Chg30d=+3.76% | Revisions=+0% | Analysts=7
EPS current Year (2026-10-31): EPS=10.57 | Chg30d=+2.94% | Revisions=+80% | GrowthEPS=+22.8% | GrowthRev=+13.6%
EPS next Year (2027-10-31): EPS=11.38 | Chg30d=+2.13% | Revisions=+67% | GrowthEPS=+7.7% | GrowthRev=+3.8%
[Analyst] Revisions Ratio: +71% (up=25, down=3)