(CM) Canadian Imperial Bank Of - Overview
Stock: Accounts, Loans, Credit Cards, Mortgages, Investment Services
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.96% |
| Yield on Cost 5y | 8.34% |
| Yield CAGR 5y | -19.21% |
| Payout Consistency | 94.8% |
| Payout Ratio | 33.2% |
| Risk 5d forecast | |
|---|---|
| Volatility | 18.8% |
| Relative Tail Risk | -3.90% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 2.69 |
| Alpha | 55.07 |
| Character TTM | |
|---|---|
| Beta | 0.473 |
| Beta Downside | 0.312 |
| Drawdowns 3y | |
|---|---|
| Max DD | 22.26% |
| CAGR/Max DD | 1.57 |
Description: CM Canadian Imperial Bank Of January 29, 2026
Canadian Imperial Bank of Commerce (CIBC) is a diversified North-American bank that serves personal, business, public-sector and institutional clients through five operating segments: Canadian Personal & Business Banking; Canadian Commercial Banking & Wealth Management; U.S. Commercial Banking & Wealth Management; Capital Markets & Direct Financial Services; and Corporate & Other. Its product suite spans deposit accounts, mortgages, consumer and commercial loans, credit cards, cash-management services, investment and insurance solutions, private-banking and wealth-planning offerings, plus digital and wire-transfer platforms.
In its most recent quarter (Q4 2025), CIBC reported net income of **C$2.1 billion**, a **13.5 % return on equity**, and a **CET1 capital ratio of 13.2 %**, comfortably above the regulatory minimum. Net interest margin (NIM) held at **2.6 %**, while total loan balances grew **4 % year-over-year**, driven primarily by residential mortgage and small-business loan extensions. The bank’s dividend yield hovered around **5.3 %** with the share price trading near **C$115** as of 28 Jan 2026.
Key macro drivers affecting CIBC include the **Bank of Canada’s policy rate at 4.75 %**, which supports net interest income but also pressures mortgage-borrower affordability; a **3 % YoY decline in Canadian home-price indices**, moderating credit-risk growth; and **U.S. commercial-real-estate stress**, which could influence the bank’s U.S. commercial-banking segment. Additionally, the broader diversified-bank sector is seeing **accelerated digitization**, with fintech adoption rates rising 12 % annually, pressuring traditional banks to invest in digital channels while offering fee-based revenue upside.
For a deeper, data-driven view of CIBC’s valuation dynamics, a quick look at ValueRay’s analyst toolkit can surface comparable peer metrics and scenario analyses.
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income: 8.43b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.00 > 0.02 and ΔFCF/TA -1.00 > 1.0 |
| NWC/Revenue: -1381 % < 20% (prev -1075 %; Δ -305.8% < -1%) |
| CFO/TA 0.00 > 3% & CFO 693.0m > Net Income 8.43b |
| Net Debt (60.54b) to EBITDA (12.12b): 5.00 < 3 |
| Current Ratio: 0.13 > 1.5 & < 3 |
| Outstanding Shares: last quarter (935.1m) vs 12m ago -1.42% < -2% |
| Gross Margin: 33.91% > 18% (prev 0.37%; Δ 3354 % > 0.5%) |
| Asset Turnover: 4.95% > 50% (prev 6.14%; Δ -1.19% > 0%) |
| Interest Coverage Ratio: 0.33 > 6 (EBITDA TTM 12.12b / Interest Expense TTM 32.99b) |
Altman Z'' -4.10
| A: -0.66 (Total Current Assets 110.32b - Total Current Liabilities 848.45b) / Total Assets 1116.94b |
| B: 0.03 (Retained Earnings 36.47b / Total Assets 1116.94b) |
| C: 0.01 (EBIT TTM 10.94b / Avg Total Assets 1079.46b) |
| D: 0.06 (Book Value of Equity 62.20b / Total Liabilities 1052.53b) |
| Altman-Z'' Score: -4.10 = D |
Beneish M -2.78
| DSRI: 1.34 (Receivables 16.91b/15.13b, Revenue 53.46b/64.02b) |
| GMI: 1.08 (GM 33.91% / 36.75%) |
| AQI: 1.01 (AQ_t 0.90 / AQ_t-1 0.89) |
| SGI: 0.84 (Revenue 53.46b / 64.02b) |
| TATA: 0.01 (NI 8.43b - CFO 693.0m) / TA 1116.94b) |
| Beneish M-Score: -2.78 (Cap -4..+1) = A |
What is the price of CM shares?
Over the past week, the price has changed by +3.47%, over one month by +8.03%, over three months by +15.36% and over the past year by +66.07%.
Is CM a buy, sell or hold?
- StrongBuy: 3
- Buy: 5
- Hold: 6
- Sell: 2
- StrongSell: 0
What are the forecasts/targets for the CM price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 88 | -10.2% |
| Analysts Target Price | 88 | -10.2% |
| ValueRay Target Price | 128.6 | 31.1% |
CM Fundamental Data Overview February 07, 2026
P/E Trailing = 15.0286
P/E Forward = 13.6612
P/S = 3.2895
P/B = 2.0686
P/EG = 2.9423
Revenue TTM = 53.46b CAD
EBIT TTM = 10.94b CAD
EBITDA TTM = 12.12b CAD
Long Term Debt = 10.82b CAD (from longTermDebt, last quarter)
Short Term Debt = 105.60b CAD (from shortTermDebt, last quarter)
Debt = 118.83b CAD (from shortLongTermDebtTotal, last quarter)
Net Debt = 60.54b CAD (from netDebt column, last quarter)
Enterprise Value = 146.38b CAD (120.36b + Debt 118.83b - CCE 92.81b)
Interest Coverage Ratio = 0.33 (Ebit TTM 10.94b / Interest Expense TTM 32.99b)
EV/FCF = -351.9x (Enterprise Value 146.38b / FCF TTM -416.0m)
FCF Yield = -0.28% (FCF TTM -416.0m / Enterprise Value 146.38b)
FCF Margin = -0.78% (FCF TTM -416.0m / Revenue TTM 53.46b)
Net Margin = 15.77% (Net Income TTM 8.43b / Revenue TTM 53.46b)
Gross Margin = 33.91% ((Revenue TTM 53.46b - Cost of Revenue TTM 35.33b) / Revenue TTM)
Gross Margin QoQ = -22.89% (prev 43.67%)
Tobins Q-Ratio = 0.13 (Enterprise Value 146.38b / Total Assets 1116.94b)
Interest Expense / Debt = 6.70% (Interest Expense 7.96b / Debt 118.83b)
Taxrate = 21.92% (612.0m / 2.79b)
NOPAT = 8.54b (EBIT 10.94b * (1 - 21.92%))
Current Ratio = 0.13 (Total Current Assets 110.32b / Total Current Liabilities 848.45b)
Debt / Equity = 1.85 (Debt 118.83b / totalStockholderEquity, last quarter 64.13b)
Debt / EBITDA = 5.00 (Net Debt 60.54b / EBITDA 12.12b)
Debt / FCF = -145.5 (out of range, set to none) (Net Debt 60.54b / FCF TTM -416.0m)
Total Stockholder Equity = 62.43b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.78% (Net Income 8.43b / Total Assets 1116.94b)
RoE = 13.50% (Net Income TTM 8.43b / Total Stockholder Equity 62.43b)
RoCE = 14.93% (EBIT 10.94b / Capital Employed (Equity 62.43b + L.T.Debt 10.82b))
RoIC = 3.08% (NOPAT 8.54b / Invested Capital 277.12b)
WACC = 6.45% (E(120.36b)/V(239.19b) * Re(7.66%) + D(118.83b)/V(239.19b) * Rd(6.70%) * (1-Tc(0.22)))
Discount Rate = 7.66% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 33.33 | Cagr: 0.55%
Fair Price DCF = unknown (Cash Flow -416.0m)
EPS Correlation: 49.01 | EPS CAGR: 2.16% | SUE: 3.13 | # QB: 4
Revenue Correlation: 51.83 | Revenue CAGR: 2.76% | SUE: -0.15 | # QB: 0
EPS next Quarter (2026-04-30): EPS=2.29 | Chg30d=+0.001 | Revisions Net=+5 | Analysts=10
EPS current Year (2026-10-31): EPS=9.49 | Chg30d=-0.011 | Revisions Net=+12 | Growth EPS=+10.2% | Growth Revenue=+5.6%
EPS next Year (2027-10-31): EPS=10.46 | Chg30d=+0.000 | Revisions Net=+7 | Growth EPS=+10.2% | Growth Revenue=+3.7%