(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
Dividends
| Dividend Yield | 3.04% |
| Yield on Cost 5y | 8.55% |
| Yield CAGR 5y | -22.16% |
| Payout Consistency | 91.4% |
| Payout Ratio | 33.3% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 19.0% |
| Value at Risk 5%th | 30.0% |
| Relative Tail Risk | -3.96% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 2.07 |
| Alpha | 40.32 |
| CAGR/Max DD | 1.61 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.406 |
| Beta | 0.481 |
| Beta Downside | 0.331 |
| Drawdowns 3y | |
|---|---|
| Max DD | 22.26% |
| Mean DD | 4.90% |
| Median DD | 3.52% |
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) 3.5
| Net Income (8.13b TTM) > 0 and > 6% of Revenue (6% = 3.76b TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA -0.79pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1106 % (prev -1026 %; Δ -80.25pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 17.29b > Net Income 8.13b (YES >=105%, WARN >=100%) |
| Net Debt (314.06b) to EBITDA (11.70b) ratio: 26.85 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.17 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (937.5m) change vs 12m ago -0.87% (target <= -2.0% for YES) |
| Gross Margin 41.32% (prev 36.00%; Δ 5.32pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 5.90% (prev 6.16%; Δ -0.26pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.30 (EBITDA TTM 11.70b / Interest Expense TTM 34.63b) >= 6 (WARN >= 3) |
Altman Z'' -3.90
| (A) -0.63 = (Total Current Assets 139.28b - Total Current Liabilities 832.76b) / Total Assets 1102.26b |
| (B) 0.03 = Retained Earnings (Balance) 35.66b / Total Assets 1102.26b |
| (C) 0.01 = EBIT TTM 10.55b / Avg Total Assets 1061.83b |
| (D) 0.05 = Book Value of Equity 55.76b / Total Liabilities 1039.38b |
| Total Rating: -3.90 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 61.98
| 1. Piotroski 3.50pt |
| 2. FCF Yield 4.76% |
| 3. FCF Margin 25.80% |
| 4. Debt/Equity 5.90 |
| 5. Debt/Ebitda 26.85 |
| 6. ROIC - WACC (= -0.09)% |
| 7. RoE 13.31% |
| 8. Rev. Trend 86.94% |
| 9. EPS Trend 42.65% |
What is the price of CM shares?
As of December 07, 2025, the stock is trading at USD 91.16 with a total of 904,411 shares traded.
Over the past week, the price has changed by +5.84%, over one month by +9.37%, over three months by +17.42% and over the past year by +42.69%.
Over the past week, the price has changed by +5.84%, over one month by +9.37%, over three months by +17.42% and over the past year by +42.69%.
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 | 78.3 | -14.1% |
| Analysts Target Price | 78.3 | -14.1% |
| ValueRay Target Price | 114.9 | 26.1% |
CM Fundamental Data Overview November 29, 2025
Market Cap CAD = 110.03b (79.65b USD * 1.3815 USD.CAD)
P/E Trailing = 14.6212
P/E Forward = 13.2802
P/S = 3.0612
P/B = 2.0094
P/EG = 4.3277
Beta = 1.294
Revenue TTM = 62.69b CAD
EBIT TTM = 10.55b CAD
EBITDA TTM = 11.70b CAD
Long Term Debt = 134.09b CAD (from longTermDebt, last quarter)
Short Term Debt = 235.15b CAD (from shortTermDebt, last quarter)
Debt = 369.24b CAD (from shortLongTermDebtTotal, last quarter)
Net Debt = 314.06b CAD (from netDebt column, last quarter)
Enterprise Value = 339.99b CAD (110.03b + Debt 369.24b - CCE 139.28b)
Interest Coverage Ratio = 0.30 (Ebit TTM 10.55b / Interest Expense TTM 34.63b)
FCF Yield = 4.76% (FCF TTM 16.17b / Enterprise Value 339.99b)
FCF Margin = 25.80% (FCF TTM 16.17b / Revenue TTM 62.69b)
Net Margin = 12.97% (Net Income TTM 8.13b / Revenue TTM 62.69b)
Gross Margin = 41.32% ((Revenue TTM 62.69b - Cost of Revenue TTM 36.78b) / Revenue TTM)
Gross Margin QoQ = 43.67% (prev 42.38%)
Tobins Q-Ratio = 0.31 (Enterprise Value 339.99b / Total Assets 1102.26b)
Interest Expense / Debt = 2.18% (Interest Expense 8.04b / Debt 369.24b)
Taxrate = 22.91% (623.0m / 2.72b)
NOPAT = 8.14b (EBIT 10.55b * (1 - 22.91%))
Current Ratio = 0.17 (Total Current Assets 139.28b / Total Current Liabilities 832.76b)
Debt / Equity = 5.90 (Debt 369.24b / totalStockholderEquity, last quarter 62.60b)
Debt / EBITDA = 26.85 (Net Debt 314.06b / EBITDA 11.70b)
Debt / FCF = 19.42 (Net Debt 314.06b / FCF TTM 16.17b)
Total Stockholder Equity = 61.09b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.74% (Net Income 8.13b / Total Assets 1102.26b)
RoE = 13.31% (Net Income TTM 8.13b / Total Stockholder Equity 61.09b)
RoCE = 5.41% (EBIT 10.55b / Capital Employed (Equity 61.09b + L.T.Debt 134.09b))
RoIC = 2.99% (NOPAT 8.14b / Invested Capital 271.81b)
WACC = 3.08% (E(110.03b)/V(479.27b) * Re(7.79%) + D(369.24b)/V(479.27b) * Rd(2.18%) * (1-Tc(0.23)))
Discount Rate = 7.79% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: 33.33 | Cagr: 0.68%
[DCF Debug] Terminal Value 70.73% ; FCFE base≈18.92b ; Y1≈12.57b ; Y5≈5.89b
Fair Price DCF = 124.0 (DCF Value 115.29b / Shares Outstanding 929.6m; 5y FCF grow -39.14% → 3.0% )
EPS Correlation: 42.65 | EPS CAGR: 6.76% | SUE: 1.36 | # QB: 3
Revenue Correlation: 86.94 | Revenue CAGR: 29.38% | SUE: 0.63 | # QB: 0
EPS next Quarter (2026-01-31): EPS=2.26 | Chg30d=-0.015 | Revisions Net=-1 | Analysts=6
EPS next Year (2026-10-31): EPS=9.13 | Chg30d=+0.080 | Revisions Net=+2 | Growth EPS=+7.5% | Growth Revenue=+2.5%
P/E Trailing = 14.6212
P/E Forward = 13.2802
P/S = 3.0612
P/B = 2.0094
P/EG = 4.3277
Beta = 1.294
Revenue TTM = 62.69b CAD
EBIT TTM = 10.55b CAD
EBITDA TTM = 11.70b CAD
Long Term Debt = 134.09b CAD (from longTermDebt, last quarter)
Short Term Debt = 235.15b CAD (from shortTermDebt, last quarter)
Debt = 369.24b CAD (from shortLongTermDebtTotal, last quarter)
Net Debt = 314.06b CAD (from netDebt column, last quarter)
Enterprise Value = 339.99b CAD (110.03b + Debt 369.24b - CCE 139.28b)
Interest Coverage Ratio = 0.30 (Ebit TTM 10.55b / Interest Expense TTM 34.63b)
FCF Yield = 4.76% (FCF TTM 16.17b / Enterprise Value 339.99b)
FCF Margin = 25.80% (FCF TTM 16.17b / Revenue TTM 62.69b)
Net Margin = 12.97% (Net Income TTM 8.13b / Revenue TTM 62.69b)
Gross Margin = 41.32% ((Revenue TTM 62.69b - Cost of Revenue TTM 36.78b) / Revenue TTM)
Gross Margin QoQ = 43.67% (prev 42.38%)
Tobins Q-Ratio = 0.31 (Enterprise Value 339.99b / Total Assets 1102.26b)
Interest Expense / Debt = 2.18% (Interest Expense 8.04b / Debt 369.24b)
Taxrate = 22.91% (623.0m / 2.72b)
NOPAT = 8.14b (EBIT 10.55b * (1 - 22.91%))
Current Ratio = 0.17 (Total Current Assets 139.28b / Total Current Liabilities 832.76b)
Debt / Equity = 5.90 (Debt 369.24b / totalStockholderEquity, last quarter 62.60b)
Debt / EBITDA = 26.85 (Net Debt 314.06b / EBITDA 11.70b)
Debt / FCF = 19.42 (Net Debt 314.06b / FCF TTM 16.17b)
Total Stockholder Equity = 61.09b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.74% (Net Income 8.13b / Total Assets 1102.26b)
RoE = 13.31% (Net Income TTM 8.13b / Total Stockholder Equity 61.09b)
RoCE = 5.41% (EBIT 10.55b / Capital Employed (Equity 61.09b + L.T.Debt 134.09b))
RoIC = 2.99% (NOPAT 8.14b / Invested Capital 271.81b)
WACC = 3.08% (E(110.03b)/V(479.27b) * Re(7.79%) + D(369.24b)/V(479.27b) * Rd(2.18%) * (1-Tc(0.23)))
Discount Rate = 7.79% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: 33.33 | Cagr: 0.68%
[DCF Debug] Terminal Value 70.73% ; FCFE base≈18.92b ; Y1≈12.57b ; Y5≈5.89b
Fair Price DCF = 124.0 (DCF Value 115.29b / Shares Outstanding 929.6m; 5y FCF grow -39.14% → 3.0% )
EPS Correlation: 42.65 | EPS CAGR: 6.76% | SUE: 1.36 | # QB: 3
Revenue Correlation: 86.94 | Revenue CAGR: 29.38% | SUE: 0.63 | # QB: 0
EPS next Quarter (2026-01-31): EPS=2.26 | Chg30d=-0.015 | Revisions Net=-1 | Analysts=6
EPS next Year (2026-10-31): EPS=9.13 | Chg30d=+0.080 | Revisions Net=+2 | Growth EPS=+7.5% | Growth Revenue=+2.5%
Additional Sources for CM Stock
News:
Wall Street Journal |
Benzinga |
Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle