(CM) Canadian Imperial Bank Of - Overview
Stock: Banking, Loans, Investments, Insurance, Wealth Management
| Risk 5d forecast | |
|---|---|
| Volatility | 18.7% |
| Relative Tail Risk | -4.14% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 3.44 |
| Alpha | 70.20 |
| Character TTM | |
|---|---|
| Beta | 0.606 |
| Beta Downside | 0.991 |
| Drawdowns 3y | |
|---|---|
| Max DD | 19.93% |
| CAGR/Max DD | 2.07 |
EPS (Earnings per Share)
Revenue
Description: CM Canadian Imperial Bank Of March 04, 2026
Canadian Imperial Bank of Commerce (CM) is a diversified financial institution offering a range of products and services.
The company serves personal, business, public sector, and institutional clients across Canada, the United States, and internationally. Diversified banks typically generate revenue from interest income on loans and fees from various financial services.
CMs operations are segmented into 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. This structure allows the bank to cater to distinct customer needs and market segments.
Product offerings include checking, savings, mortgages, various loans (business, car, education, home, agriculture), lines of credit, cash management, and overdraft protection. The company also provides investment and insurance services, healthcare banking, credit cards, private banking, wealth planning, investment management, and estate planning and trust services. Digital services like mobile, online banking, and global money transfers are also available. Retail banking, a core component, focuses on individual consumers and small businesses.
CM was founded in 1867 and is headquartered in Toronto, Canada. For a deeper dive into CMs financials and market performance, consider exploring ValueRay.
Headlines to watch out for
- Canadian interest rate hikes boost net interest income
- US commercial loan growth drives revenue
- Global economic slowdown impacts capital markets
- Regulatory changes increase compliance costs
Piotroski VR‑10 (Strict, 0-10) 3.0
| 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: -229.6% < 20% (prev -1.05k%; Δ 819.7% < -1%) |
| CFO/TA -0.01 > 3% & CFO -12.90b > Net Income 9.36b |
| Net Debt (163.31b) to EBITDA (12.73b): 12.83 < 3 |
| Current Ratio: 0.07 > 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 12.73b / Interest Expense TTM 31.58b) |
Altman Z'' -0.58
| A: -0.12 (Total Current Assets 11.01b - Total Current Liabilities 152.65b) / Total Assets 1134.36b |
| B: 0.03 (Retained Earnings 37.65b / Total Assets 1134.36b) |
| C: 0.01 (EBIT TTM 11.54b / Avg Total Assets 1108.41b) |
| D: 0.05 (Book Value of Equity 57.82b / Total Liabilities 1068.65b) |
| Altman-Z'' Score: -0.58 = B |
Beneish M -2.96
| DSRI: 1.17 (Receivables 16.91b/15.13b, Revenue 61.67b/64.50b) |
| GMI: 0.85 (GM 45.01% / 38.12%) |
| AQI: 1.12 (AQ_t 0.99 / AQ_t-1 0.88) |
| SGI: 0.96 (Revenue 61.67b / 64.50b) |
| TATA: 0.02 (NI 9.36b - CFO -12.90b) / TA 1134.36b) |
| Beneish M-Score: -2.96 (Cap -4..+1) = A |
What is the price of CM shares?
Over the past week, the price has changed by -4.23%, over one month by -0.55%, over three months by +3.07% and over the past year by +80.00%.
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 | 103.7 | 4.7% |
| Analysts Target Price | 103.7 | 4.7% |
CM Fundamental Data Overview March 13, 2026
P/E Trailing = 14.0525
P/E Forward = 13.2626
P/S = 3.2665
P/B = 2.1369
P/EG = 2.874
Revenue TTM = 61.67b CAD
EBIT TTM = 11.54b CAD
EBITDA TTM = 12.73b CAD
Long Term Debt = 142.11b CAD (from longTermDebt, last quarter)
Short Term Debt = 152.65b CAD (from shortTermDebt, last quarter)
Debt = 174.32b CAD (from shortLongTermDebtTotal, last quarter)
Net Debt = 163.31b CAD (from netDebt column, last quarter)
Enterprise Value = 287.52b CAD (124.21b + Debt 174.32b - CCE 11.01b)
Interest Coverage Ratio = 0.37 (Ebit TTM 11.54b / Interest Expense TTM 31.58b)
EV/FCF = -20.44x (Enterprise Value 287.52b / FCF TTM -14.06b)
FCF Yield = -4.89% (FCF TTM -14.06b / Enterprise Value 287.52b)
FCF Margin = -22.80% (FCF TTM -14.06b / Revenue TTM 61.67b)
Net Margin = 15.18% (Net Income TTM 9.36b / Revenue TTM 61.67b)
Gross Margin = 45.01% ((Revenue TTM 61.67b - Cost of Revenue TTM 33.92b) / Revenue TTM)
Gross Margin QoQ = 49.02% (prev 44.77%)
Tobins Q-Ratio = 0.25 (Enterprise Value 287.52b / Total Assets 1134.36b)
Interest Expense / Debt = 4.31% (Interest Expense 7.51b / Debt 174.32b)
Taxrate = 11.71% (401.6m / 3.43b)
NOPAT = 10.19b (EBIT 11.54b * (1 - 11.71%))
Current Ratio = 0.07 (Total Current Assets 11.01b / Total Current Liabilities 152.65b)
Debt / Equity = 2.66 (Debt 174.32b / totalStockholderEquity, last quarter 65.43b)
Debt / EBITDA = 12.83 (Net Debt 163.31b / EBITDA 12.73b)
Debt / FCF = -11.61 (negative FCF - burning cash) (Net Debt 163.31b / FCF TTM -14.06b)
Total Stockholder Equity = 63.45b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.84% (Net Income 9.36b / Total Assets 1134.36b)
RoE = 14.76% (Net Income TTM 9.36b / Total Stockholder Equity 63.45b)
RoCE = 5.61% (EBIT 11.54b / Capital Employed (Equity 63.45b + L.T.Debt 142.11b))
RoIC = 3.66% (NOPAT 10.19b / Invested Capital 278.18b)
WACC = 5.61% (E(124.21b)/V(298.53b) * Re(8.15%) + D(174.32b)/V(298.53b) * Rd(4.31%) * (1-Tc(0.12)))
Discount Rate = 8.15% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -15.11%
[DCF] Fair Price = unknown (Cash Flow -14.06b)
EPS Correlation: 71.29 | EPS CAGR: 12.58% | SUE: 4.0 | # QB: 5
Revenue Correlation: 76.38 | Revenue CAGR: 26.73% | SUE: 0.67 | # QB: 0
EPS next Quarter (2026-04-30): EPS=2.42 | Chg7d=-0.004 | Chg30d=+0.123 | Revisions Net=+9 | Analysts=11
EPS current Year (2026-10-31): EPS=10.21 | Chg7d=-0.016 | Chg30d=+0.708 | Revisions Net=+12 | Growth EPS=+18.6% | Growth Revenue=+10.9%
EPS next Year (2027-10-31): EPS=11.09 | Chg7d=+0.027 | Chg30d=+0.608 | Revisions Net=+12 | Growth EPS=+8.6% | Growth Revenue=+3.8%
[Analyst] Revisions Ratio: +1.00 (9 Up / 0 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 1.0% (Discount Rate 8.2% - Earnings Yield 7.1%)
[Growth] Growth Spread = +10.1% (Analyst 11.1% - Implied 1.0%)