(CM) Canadian Imperial Bank Of - NYSE
Sector: Financial Services | Industry: Banks - Diversified | Exchange: NYSE (USA) | Market Cap: 101.951m USD | Total Return: 67% in 12m
Avg Turnover: 152M
EPS Trend: 94.7%
Qual. Beats: 6
Rev. Trend: 67.9%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Idiosyncratic Leader
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: 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 |
As of June 28, 2026, the stock is trading at USD 113.76 with a total of 6,565,383 shares traded. Over the past week, the price has changed by +1.85%, over one month by -1.74%, over three months by +21.61% and over the past year by +67.03%.
Current recommended Stop Loss: 108.70 (which is 4.4% or 2.3 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 | 109.7 | -3.6% |
Market Cap CAD = 145b (102b USD * 1.4198 USD.CAD)
P/E Trailing = 15.4695
P/E Forward = 15.2207
P/S = 3.5281
P/B = 2.4463
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 = 311b CAD (145b + Debt 183b - CCE 16.8b)
Interest Coverage Ratio = 0.39 (Ebit TTM 12.1b / Interest Expense TTM 30.8b)
EV/FCF = 53.59x (Enterprise Value 311b / FCF TTM 5.81b)
FCF Yield = 1.87% (FCF TTM 5.81b / Enterprise Value 311b)
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 = 0.27 (Enterprise Value 311b / 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 = 11.07% (E(145b)/V(328b) * Re(7.99%) + D(183b)/V(328b) * Rd(16.79%) * (1-Tc(0.20)))
Discount Rate = 7.99% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -28.89 | Cagr: -0.38%
[DCF] Terminal Value 63.66% ; FCFF base≈12.5b ; Y1≈11.0b ; Y5≈8.88b
[DCF] Fair Price = N/A (negative equity: EV 98.6b - Net Debt 166b = -67.9b; debt exceeds intrinsic value)
EPS Correlation: 94.67 | EPS CAGR: 11.61% | SUE: 1.62 | # QB: 6
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=+0.86% | Revisions=+12% | GrowthEPS=+19.4% | GrowthRev=+11.7%
EPS next Year (2027-10-31): EPS=11.12 | Chg30d=+0.35% | Revisions=+0% | GrowthEPS=+8.2% | GrowthRev=+3.4%
[Analyst] Revisions Ratio: -14%