(CM) Canadian Imperial Bank Of - Overview
Sector: Financial Services | Industry: Banks - Diversified | Exchange: NYSE (USA) | Market Cap: 103.291m USD | Total Return: 78.7% in 12m
Avg Turnover: 94.6M
EPS Trend: 93.7%
Qual. Beats: 5
Rev. Trend: 77.3%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Supp Ema20, Leader, Tailwind
Canadian Imperial Bank of Commerce (CIBC) is a major North American financial institution headquartered in Toronto. Founded in 1867, the bank operates a diversified business model organized into five core 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.
The company provides a comprehensive suite of retail and institutional products, including deposit accounts, mortgages, asset management, and credit services. As a member of the Big Five Canadian banks, CIBC operates within a highly regulated domestic oligopoly characterized by significant barriers to entry and stable long-term credit ratings.
In addition to its dominant Canadian presence, the bank has expanded its footprint into the United States to capture growth in commercial banking and private wealth sectors. Investors may find it useful to evaluate specific valuation metrics on ValueRay to better understand the banks current market position. The firm’s revenue streams are balanced between interest-based income from lending and fee-based income from its insurance and investment divisions.
- Canadian mortgage market stability dictates long-term retail banking profitability
- Net interest margin performance hinges on Bank of Canada rate trajectory
- US commercial banking expansion drives geographic revenue diversification strategy
- Provision for credit losses reflects domestic consumer debt and insolvency risks
- Wealth management asset growth bolsters recurring fee-based revenue streams
| Net Income: 9.36b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.01 > 0.02 and ΔFCF/TA -3.57 > 1.0 |
| NWC/Revenue: -1.36k% < 20% (prev -1.05k%; Δ -308.5% < -1%) |
| CFO/TA -0.01 > 3% & CFO -12.9b > Net Income 9.36b |
| Net Debt (165b) to EBITDA (12.7b): 12.97 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (683.6m) vs 12m ago -27.85% < -2% |
| Gross Margin: 45.01% > 18% (prev 0.38%; Δ 4.46k% > 0.5%) |
| Asset Turnover: 5.56% > 50% (prev 5.96%; Δ -0.39% > 0%) |
| Interest Coverage Ratio: 0.37 > 6 (EBITDA TTM 12.7b / Interest Expense TTM 31.6b) |
| A: -0.74 (Total Current Assets 11.0b - Total Current Liabilities 848b) / Total Assets 1134b |
| B: 0.03 (Retained Earnings 37.7b / Total Assets 1134b) |
| C: 0.01 (EBIT TTM 11.5b / Avg Total Assets 1108b) |
| D: 0.05 (Book Value of Equity 57.8b / Total Liabilities 1069b) |
| Altman-Z'' = -4.61 = D |
| DSRI: 1.17 (Receivables 16.9b/15.1b, Revenue 61.7b/64.5b) |
| GMI: 0.85 (GM 45.01% / 38.12%) |
| AQI: 1.12 (AQ_t 0.99 / AQ_t-1 0.88) |
| SGI: 0.96 (Revenue 61.7b / 64.5b) |
| TATA: 0.02 (NI 9.36b - CFO -12.9b) / TA 1134b) |
| Beneish M = -2.96 (Cap -4..+1) = A |
As of May 24, 2026, the stock is trading at USD 114.86 with a total of 615,175 shares traded.
Over the past week, the price has changed by +3.76%,
over one month by +6.34%,
over three months by +17.44% and
over the past year by +78.72%.
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 | 102.3 | -11% |
P/E Trailing = 16.1019
P/E Forward = 14.6413
P/S = 3.7005
P/B = 2.3814
P/EG = 1.7968
Revenue TTM = 61.7b CAD
EBIT TTM = 11.5b CAD
EBITDA TTM = 12.7b CAD
Long Term Debt = 142b CAD (from longTermDebt, last quarter)
Short Term Debt = 153b CAD (from shortTermDebt, last quarter)
Debt = 176b CAD (from shortLongTermDebtTotal, last quarter) + Leases 1.87b
Net Debt = 165b CAD (calculated: Debt 176b - CCE 11.0b)
Enterprise Value = 307b CAD (142b + Debt 176b - CCE 11.0b)
Interest Coverage Ratio = 0.37 (Ebit TTM 11.5b / Interest Expense TTM 31.6b)
EV/FCF = -21.84x (Enterprise Value 307b / FCF TTM -14.1b)
FCF Yield = -4.58% (FCF TTM -14.1b / Enterprise Value 307b)
FCF Margin = -22.80% (FCF TTM -14.1b / Revenue TTM 61.7b)
Net Margin = 15.18% (Net Income TTM 9.36b / Revenue TTM 61.7b)
Gross Margin = 45.01% ((Revenue TTM 61.7b - Cost of Revenue TTM 33.9b) / Revenue TTM)
Gross Margin QoQ = 49.02% (prev 44.77%)
Tobins Q-Ratio = 0.27 (Enterprise Value 307b / Total Assets 1134b)
Interest Expense / Debt = 17.92% (Interest Expense 31.6b / Debt 176b)
Taxrate = 11.71% (401.6m / 3.43b)
NOPAT = 10.2b (EBIT 11.5b * (1 - 11.71%))
Current Ratio = 0.01 (Total Current Assets 11.0b / Total Current Liabilities 848b)
Debt / Equity = 2.69 (Debt 176b / totalStockholderEquity, last quarter 65.4b)
Debt / EBITDA = 12.97 (Net Debt 165b / EBITDA 12.7b)
Debt / FCF = -11.74 (negative FCF - burning cash) (Net Debt 165b / FCF TTM -14.1b)
Total Stockholder Equity = 63.5b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.84% (Net Income 9.36b / Total Assets 1134b)
RoE = 14.76% (Net Income TTM 9.36b / Total Stockholder Equity 63.5b)
RoCE = 5.61% (EBIT 11.5b / Capital Employed (Equity 63.5b + L.T.Debt 142b))
RoIC = 0.90% (NOPAT 10.2b / Invested Capital 1134b)
WACC = 12.40% (E(142b)/V(318b) * Re(8.16%) + D(176b)/V(318b) * Rd(17.92%) * (1-Tc(0.12)))
Discount Rate = 8.16% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -6.67 | Cagr: -12.58%
[DCF] Fair Price = unknown (Cash Flow -14.1b)
EPS Correlation: 93.70 | EPS CAGR: 12.89% | SUE: 4.0 | # QB: 5
Revenue Correlation: 77.33 | Revenue CAGR: 10.11% | SUE: 0.67 | # QB: 0
EPS current Quarter (2026-07-31): EPS=2.51 | Chg30d=N/A | Revisions=+0% | Analysts=9
EPS current Year (2026-10-31): EPS=10.19 | Chg30d=-0.17% | Revisions=+25% | GrowthEPS=+18.4% | GrowthRev=+10.8%
EPS next Year (2027-10-31): EPS=11.02 | Chg30d=-0.58% | Revisions=+0% | GrowthEPS=+8.1% | GrowthRev=+3.9%
[Analyst] Revisions Ratio: +25%