(CM) Canadian Imperial Bank Of - Ratings and Ratios

Exchange: NYSE • Country: Canada • Currency: USD • Type: Common Stock • ISIN: CA1360691010

Loans, Credit Cards, Mortgages, Investment Services, Banking Accounts

CM EPS (Earnings per Share)

EPS (Earnings per Share) of CM over the last years for every Quarter: "2020-01": 1.62, "2020-04": 0.47, "2020-07": 1.36, "2020-10": 1.4, "2021-01": 1.79, "2021-04": 1.8, "2021-07": 1.97, "2021-10": 1.69, "2022-01": 2.04, "2022-04": 1.77, "2022-07": 1.85, "2022-10": 1.39, "2023-01": 1.94, "2023-04": 1.7, "2023-07": 1.52, "2023-10": 1.57, "2024-01": 1.81, "2024-04": 1.75, "2024-07": 1.93, "2024-10": 1.9, "2025-01": 2.19, "2025-04": 2.05, "2025-07": 2.15,

CM Revenue

Revenue of CM over the last years for every Quarter: 2020-01: 7258, 2020-04: 6494, 2020-07: 5792, 2020-10: 5596, 2021-01: 5879, 2021-04: 5742, 2021-07: 5811, 2021-10: 5810, 2022-01: 6294, 2022-04: 6515, 2022-07: 8109, 2022-10: 10374, 2023-01: 12988, 2023-04: 13161, 2023-07: 14232, 2023-10: 15109, 2024-01: 15690, 2024-04: 15631, 2024-07: 16499, 2024-10: 16196, 2025-01: 16170, 2025-04: 15057, 2025-07: 15266,

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 79.6%
Fundamental 62.8%
Dividend Rating 60.8%
Return 12m vs S&P 500 13.6%
Analyst Rating 3.56 of 5

CM Dividends

Dividend Yield 12m 4.86%
Yield on Cost 5y 11.96%
Annual Growth 5y -5.99%
Payout Consistency 91.4%
Payout Ratio 33.4%

CM Growth Ratios

Growth Correlation 3m 83.3%
Growth Correlation 12m 65.8%
Growth Correlation 5y 56.7%
CAGR 5y 25.15%
CAGR/Max DD 3y 1.04
CAGR/Mean DD 3y 4.74
Sharpe Ratio 12m 1.75
Alpha 22.75
Beta 0.595
Volatility 17.34%
Current Volume 616.7k
Average Volume 20d 1013.7k
Stop Loss 76.7 (-3.1%)
Signal -0.19

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) 62.78

1. Piotroski 3.50pt = -1.50
2. FCF Yield 4.89% = 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 -0.06% = -0.08
7. RoE 13.31% = 1.11
8. Rev. Trend 75.66% = 3.78
9. Rev. CAGR 15.08% = 1.89
10. EPS Trend 78.48% = 1.96
11. EPS CAGR 17.19% = 1.72

What is the price of CM shares?

As of September 15, 2025, the stock is trading at USD 79.16 with a total of 616,679 shares traded.
Over the past week, the price has changed by +1.34%, over one month by +7.22%, over three months by +16.37% and over the past year by +34.37%.

Is Canadian Imperial Bank Of a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, Canadian Imperial Bank Of is currently (September 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 62.78 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of CM is around 89.52 USD . This means that CM is currently undervalued and has a potential upside of +13.09% (Margin of Safety).

Is CM a buy, sell or hold?

Canadian Imperial Bank Of has received a consensus analysts rating of 3.56. Therefor, it is recommend to hold CM.
  • 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 -3.5%
Analysts Target Price 76.4 -3.5%
ValueRay Target Price 95 20%

Last update: 2025-09-10 02:42

CM Fundamental Data Overview

Market Cap CAD = 100.44b (72.60b USD * 1.3835 USD.CAD)
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 = 330.40b CAD (100.44b + Debt 369.24b - CCE 139.28b)
Interest Coverage Ratio = 0.30 (Ebit TTM 10.55b / Interest Expense TTM 34.63b)
FCF Yield = 4.89% (FCF TTM 16.17b / Enterprise Value 330.40b)
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 = 5.93 (Enterprise Value 330.40b / 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 = 3.09% (E(100.44b)/V(469.68b) * Re(8.21%)) + (D(369.24b)/V(469.68b) * Rd(2.18%) * (1-Tc(0.22)))
Shares Correlation 3-Years: 72.73 | Cagr: 0.31%
Discount Rate = 8.21% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 70.00% ; FCFE base≈18.92b ; Y1≈12.57b ; Y5≈5.89b
Fair Price DCF = 120.6 (DCF Value 112.08b / Shares Outstanding 929.5m; 5y FCF grow -39.14% → 3.0% )
Revenue Correlation: 75.66 | Revenue CAGR: 15.08%
Rev Growth-of-Growth: -22.74
EPS Correlation: 78.48 | EPS CAGR: 17.19%
EPS Growth-of-Growth: 7.03

Additional Sources for CM Stock

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