(CM) Canadian Imperial Bank Of - Overview
Sector: Financial Services | Industry: Banks - Diversified | Exchange: NYSE (USA) | Market Cap: 99.811m USD | Total Return: 64.1% in 12m
Avg Turnover: 97.8M
EPS Trend: 96.8%
Qual. Beats: 0
Rev. Trend: 67.9%
Qual. Beats: 0
Warnings
Below Avwap Earnings
Tailwinds
Idiosyncratic Leader
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: 9.82b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -1.57 > 1.0 |
| NWC/Revenue: -237.6% < 20% (prev -1.07k%; Δ 836.4% < -1%) |
| CFO/TA 0.00 > 3% & CFO 2.40b > Net Income 9.82b |
| Net Debt (166b) to EBITDA (13.4b): 12.46 < 3 |
| Current Ratio: 0.10 > 1.5 & < 3 |
| Outstanding Shares: last quarter (680.0m) vs 12m ago -27.87% < -2% |
| Gross Margin: 46.47% > 18% (prev 39.64%; Δ 6.82% > 0.5%) |
| Asset Turnover: 5.50% > 50% (prev 5.86%; Δ -0.37% > 0%) |
| Interest Coverage Ratio: 0.39 > 6 (EBIT TTM 12.1b / Interest Expense TTM 30.8b) |
| A: -0.13 (Total Current Assets 16.8b - Total Current Liabilities 164b) / Total Assets 1160b |
| B: 0.03 (Retained Earnings 38.2b / Total Assets 1160b) |
| C: 0.01 (EBIT TTM 12.1b / Avg Total Assets 1125b) |
| D: 0.06 (Book Value of Equity 65.7b / Total Liabilities 1094b) |
| Altman-Z'' = -0.59 = B |
| DSRI: 1.16 (Receivables 16.9b/15.1b, Revenue 61.8b/63.9b) |
| GMI: 0.85 (GM 39.64% / 46.47%) |
| AQI: 1.12 (AQ_t 0.98 / AQ_t-1 0.88) |
| SGI: 0.97 (Revenue 61.8b / 63.9b) |
| TATA: 0.01 (NI 9.82b - CFO 2.40b) / TA 1160b) |
| Beneish M = -2.98 (Cap -4..+1) = A |
As of June 07, 2026, the stock is trading at USD 108.84 with a total of 881,101 shares traded.
Over the past week, the price has changed by +0.09%,
over one month by -1.15%,
over three months by +9.40% and
over the past year by +64.11%.
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 | 111.9 | 2.8% |
Market Cap CAD = 139b (99.8b USD * 1.3906 USD.CAD)
P/E Trailing = 14.9876
P/E Forward = 14.6199
P/S = 3.454
P/B = 2.3494
P/EG = 2.0952
Revenue TTM = 61.8b CAD
EBIT TTM = 12.1b CAD
EBITDA TTM = 13.4b CAD
Long Term Debt = 140b CAD (from longTermDebt, last quarter)
Short Term Debt = 164b CAD (from shortTermDebt, last quarter)
Debt = 183b CAD (from shortLongTermDebtTotal, last quarter) + Leases 1.87b
Net Debt = 166b CAD (calculated: Debt 183b - CCE 16.8b)
Enterprise Value = 305b CAD (139b + Debt 183b - CCE 16.8b)
Interest Coverage Ratio = 0.39 (Ebit TTM 12.1b / Interest Expense TTM 30.8b)
EV/FCF = 52.56x (Enterprise Value 305b / FCF TTM 5.81b)
FCF Yield = 1.90% (FCF TTM 5.81b / Enterprise Value 305b)
FCF Margin = 9.39% (FCF TTM 5.81b / Revenue TTM 61.8b)
Net Margin = 15.88% (Net Income TTM 9.82b / Revenue TTM 61.8b)
Gross Margin = 46.47% ((Revenue TTM 61.8b - Cost of Revenue TTM 33.1b) / Revenue TTM)
Gross Margin QoQ = 48.34% (prev 49.02%)
Tobins Q-Ratio = 0.26 (Enterprise Value 305b / Total Assets 1160b)
Interest Expense / Debt = 16.79% (Interest Expense 30.8b / Debt 183b)
Taxrate = 19.55% (2.37b / 12.1b)
NOPAT = 9.77b (EBIT 12.1b * (1 - 19.55%))
Current Ratio = 0.10 (Total Current Assets 16.8b / Total Current Liabilities 164b)
Debt / Equity = 2.79 (Debt 183b / totalStockholderEquity, last quarter 65.7b)
Debt / EBITDA = 12.46 (Net Debt 166b / EBITDA 13.4b)
Debt / FCF = 28.66 (Net Debt 166b / FCF TTM 5.81b)
Total Stockholder Equity = 64.5b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.87% (Net Income 9.82b / Total Assets 1160b)
RoE = 15.24% (Net Income TTM 9.82b / Total Stockholder Equity 64.5b)
RoCE = 5.95% (EBIT 12.1b / Capital Employed (Equity 64.5b + L.T.Debt 140b))
RoIC = 0.84% (NOPAT 9.77b / Invested Capital 1157b)
WACC = 11.17% (E(139b)/V(322b) * Re(8.08%) + D(183b)/V(322b) * Rd(16.79%) * (1-Tc(0.20)))
Discount Rate = 8.08% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -42.22 | Cagr: -13.09%
[DCF] Terminal Value 63.35% ; FCFF base≈12.5b ; Y1≈11.0b ; Y5≈8.88b
[DCF] Fair Price = N/A (negative equity: EV 97.6b - Net Debt 166b = -68.9b; debt exceeds intrinsic value)
EPS Correlation: 96.79 | EPS CAGR: 17.23% | SUE: 0.39 | # QB: 0
Revenue Correlation: 67.91 | Revenue CAGR: 5.44% | SUE: 0.58 | # QB: 0
EPS current Quarter (2026-07-31): EPS=2.50 | Chg30d=N/A | Revisions=-14% | Analysts=12
EPS current Year (2026-10-31): EPS=10.28 | Chg30d=+0.68% | Revisions=+25% | GrowthEPS=+19.4% | GrowthRev=+11.7%
EPS next Year (2027-10-31): EPS=11.11 | Chg30d=+0.19% | Revisions=+7% | GrowthEPS=+8.1% | GrowthRev=+3.4%
[Analyst] Revisions Ratio: +25%