CM Stock Analysis: Canadian Imperial Bank Of | NYSE
Banks - Diversified | NYSE, USA | Market Cap: 107.282m USD | 12M Return: 53.3% | CA1360691010 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 127M
EPS Trend: 88.8%
Qual. Beats: 7
Rev. Trend: 54.8%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 11.6 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: 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 12.2b > Net Income 10.1b |
| Net Debt (147b) to EBITDA (13.8b): 10.65 < 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 12.6b / 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 12.6b / Avg Total Assets 1140b) |
| D: 0.06 (Book Value of Equity 67.2b / Total Liabilities 1111b) |
| Altman-Z'' = -4.49 = D |
As of September 06, 2026, the stock is trading at USD 117.50 with a total of 859,753 shares traded. Over the past week, the price has changed by +2.77%, over one month by -0.38%, over three months by +8.41% and over the past year by +53.29%.
Current recommended Stop Loss: 113.80 (which is 3.1% or 1.4 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 | 120.3 | 2.4% |
Market Cap CAD = 148b (107b USD * 1.3792 USD.CAD)
P/E Trailing = 15.3854
P/E Forward = 13.6986
P/S = 3.5753
P/B = 2.3988
P/EG = 1.862
Revenue TTM = 62.8b CAD
EBIT TTM = 12.6b CAD
EBITDA TTM = 13.8b CAD
Long Term Debt = 10.8b CAD (from longTermDebt, last fiscal year)
Short Term Debt = 160b CAD (from shortTermDebt, last quarter)
Debt = 162b CAD (from shortLongTermDebtTotal, last quarter) + Leases 1.87b
Net Debt = 147b CAD (calculated: Debt 162b - CCE 15.3b)
Enterprise Value = 295b CAD (148b + Debt 162b - CCE 15.3b)
Interest Coverage Ratio = 0.41 (Ebit TTM 12.6b / Interest Expense TTM 30.6b)
EV/FCF = 26.90x (Enterprise Value 295b / FCF TTM 11.0b)
FCF Yield = 3.72% (FCF TTM 11.0b / Enterprise Value 295b)
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 = 0.25 (Enterprise Value 295b / Total Assets 1178b)
Interest Expense / Debt = 18.85% (Interest Expense 30.6b / Debt 162b)
Taxrate = 19.68% (2.46b / 12.5b)
NOPAT = 10.1b (EBIT 12.6b * (1 - 19.68%))
Current Ratio = 0.02 (Total Current Assets 15.3b / Total Current Liabilities 866b)
Debt / Equity = 2.41 (Debt 162b / totalStockholderEquity, last quarter 67.2b)
Debt / EBITDA = 10.65 (Net Debt 147b / EBITDA 13.8b)
Debt / FCF = 13.41 (Net Debt 147b / 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 = 16.52% (EBIT 12.6b / Capital Employed (Equity 65.6b + L.T.Debt 10.8b))
RoIC = 0.86% (NOPAT 10.1b / Invested Capital 1175b)
WACC = 11.79% (E(148b)/V(310b) * Re(8.11%) + D(162b)/V(310b) * Rd(18.85%) * (1-Tc(0.20)))
Discount Rate = 8.11% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -81.43 | Cagr: -14.81%
[DCF] Terminal Value 61.43% ; FCFF base≈13.0b ; Y1≈11.4b ; Y5≈9.25b
[DCF] Fair Price = N/A (negative equity: EV 95.1b - Net Debt 147b = -51.9b; 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=+3.71% | Revisions=-22% | Analysts=7
EPS current Year (2026-10-31): EPS=10.52 | Chg30d=+2.36% | Revisions=+13% | GrowthEPS=+22.2% | GrowthRev=+13.2%
EPS next Year (2027-10-31): EPS=11.35 | Chg30d=+1.99% | Revisions=+0% | GrowthEPS=+7.9% | GrowthRev=+3.8%
[Analyst] Revisions Ratio: +0% (up=15, down=15)