Overview Dividends

(CM) Canadian Imperial Bank Of - Ratings and Ratios

Exchange: NYSE • Country: Canada • Currency: USD • Type: Common Stock • ISIN: CA1360691010

Accounts, Mortgages, Loans, Credit Cards, Investments

Diversified Banks
Market Cap in USD: 86,078m

IPO / Inception: 1997-11-13
Return 12m vs S&P 500: 28.5%

EPS (Earnings per Share)

EPS CAGR: 2.16%
EPS Trend: 49.0%

Last SUE: 3.13
Qual. Beats: 4

Revenue

Rev. CAGR: 2.76%
Rev. Trend: 51.8%

Last SUE: -0.15
Qual. Beats: 0

Dividends

Dividend Yield	3.00%
Yield on Cost 5y	8.44%
Yield CAGR 5y	-22.16%
Payout Consistency	91.4%
Payout Ratio	33.2%

Risk via 5d forecast
Volatility	18.7%
Value at Risk 5%th	29.5%
Relative Tail Risk	-3.98%

Reward TTM
Sharpe Ratio	2.21
Alpha	39.16
CAGR/Max DD	1.73

Character TTM
Hurst Exponent	0.432
Beta	0.472
Beta Downside	0.276

Drawdowns 3y
Max DD	22.26%
Mean DD	4.82%
Median DD	3.26%

Description: CM Canadian Imperial Bank Of December 03, 2025

Canadian Imperial Bank of Commerce (CIBC) is a diversified North-American bank that serves personal, business, public-sector and institutional clients across Canada, the United States and select international markets. Its business is organized into five reporting segments: Canadian Personal & Business Banking; Canadian Commercial Banking & Wealth Management; U.S. Commercial Banking & Wealth Management; Capital Markets & Direct Financial Services; and Corporate & Other. The product suite spans deposit accounts, mortgages, consumer and commercial loans, cash-management services, credit cards, investment and insurance solutions, as well as digital banking channels.

Key recent metrics (Q2 2024) show a net interest margin of 2.15% and a loan-to-deposit ratio of 86%, reflecting modest balance-sheet growth amid a tightening Canadian monetary environment. Credit quality remains stable, with a non-performing loan ratio of 0.46%-well below the G-10 banking average. The bank’s earnings are sensitive to the Bank of Canada’s policy rate, which has been held near 5% since mid-2024, and to Canadian housing market dynamics that drive mortgage demand and credit-risk exposure.

For a deeper quantitative breakdown of CIBC’s valuation and risk profile, you may find ValueRay’s analysis worth reviewing.

Piotroski VR‑10 (Strict, 0-10) 2.5

Net Income (8.43b TTM) > 0 and > 6% of Revenue (6% = 3.21b TTM)

FCFTA -0.00 (>2.0%) and ΔFCFTA -1.00pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -1381 % (prev -1075 %; Δ -305.8pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.00 (>3.0%) and CFO 693.0m <= Net Income 8.43b (YES >=105%, WARN >=100%)

Net Debt (60.54b) to EBITDA (12.12b) ratio: 5.00 <= 3.0 (WARN <= 3.5)

Current Ratio 0.13 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (935.1m) change vs 12m ago -1.42% (target <= -2.0% for YES)

Gross Margin 33.91% (prev 36.75%; Δ -2.84pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 4.95% (prev 6.14%; Δ -1.19pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.33 (EBITDA TTM 12.12b / Interest Expense TTM 32.99b) >= 6 (WARN >= 3)

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 (Balance) 36.47b / Total Assets 1116.94b

(D) 0.06 = Book Value of Equity 62.20b / Total Liabilities 1052.53b

Total Rating: -4.10 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 48.76

1. Piotroski 2.50pt

2. FCF Yield -0.29%

3. FCF Margin -0.78%

4. Debt/Equity 1.85

5. Debt/Ebitda 5.00

6. ROIC - WACC (= -3.41)%

7. RoE 13.50%

8. Rev. Trend 51.83%

9. EPS Trend 49.01%

What is the price of CM shares?

As of December 23, 2025, the stock is trading at USD 92.34 with a total of 839,920 shares traded.
Over the past week, the price has changed by -0.94%, over one month by +9.85%, over three months by +14.66% and over the past year by +49.71%.

Is CM a buy, sell or hold?

Canadian Imperial Bank Of has received a consensus analysts rating of 3.56. Therefor, it is recommend to hold CM.

Strong Buy: 3
Buy: 5
Hold: 6
Sell: 2
Strong Sell: 0

What are the forecasts/targets for the CM price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	87.2	-5.5%
Analysts Target Price	87.2	-5.5%
ValueRay Target Price	119	28.8%

CM Fundamental Data Overview December 20, 2025

Market Cap CAD = 118.74b (86.08b USD * 1.3794 USD.CAD)
P/E Trailing = 14.868
P/E Forward = 13.3511
P/S = 3.2129
P/B = 2.0233
P/EG = 4.3277
Beta = 1.289
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 = 144.75b CAD (118.74b + Debt 118.83b - CCE 92.81b)
Interest Coverage Ratio = 0.33 (Ebit TTM 10.94b / Interest Expense TTM 32.99b)
FCF Yield = -0.29% (FCF TTM -416.0m / Enterprise Value 144.75b)
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 144.75b / 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 = 0.75% (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 = 6.49% (E(118.74b)/V(237.56b) * Re(7.75%) + D(118.83b)/V(237.56b) * Rd(6.70%) * (1-Tc(0.22)))
Discount Rate = 7.75% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
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 (2026-01-31): EPS=2.37 | Chg30d=+0.088 | Revisions Net=+5 | Analysts=12
EPS current Year (2026-10-31): EPS=9.50 | Chg30d=+0.384 | Revisions Net=+11 | Growth EPS=+10.4% | Growth Revenue=+5.6%
EPS next Year (2027-10-31): EPS=10.46 | Chg30d=+0.492 | Revisions Net=+5 | Growth EPS=+10.0% | Growth Revenue=+3.7%

Additional Sources for CM Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle