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: 86,385m

IPO / Inception: 1997-11-13
Return 12m vs S&P 500: 29.1%

EPS (Earnings per Share)

EPS CAGR: 2.16%
EPS Trend: 49.0%

Last SUE: 3.13
Qual. Beats: 4

Revenue

Rev. CAGR: 4.97%
Rev. Trend: 55.6%

Last SUE: 0.02
Qual. Beats: 0

Dividends

Dividend Yield	2.98%
Yield on Cost 5y	8.59%
Yield CAGR 5y	-22.16%
Payout Consistency	91.4%
Payout Ratio	33.2%

Risk via 5d forecast
Volatility	18.4%
Value at Risk 5%th	29.2%
Relative Tail Risk	-3.84%

Reward TTM
Sharpe Ratio	2.22
Alpha	38.26
CAGR/Max DD	1.74

Character TTM
Hurst Exponent	0.447
Beta	0.484
Beta Downside	0.308

Drawdowns 3y
Max DD	22.26%
Mean DD	4.81%
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) 4.0

Net Income (8.43b TTM) > 0 and > 6% of Revenue (6% = 3.24b TTM)

FCFTA 0.01 (>2.0%) and ΔFCFTA 0.18pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -1283 % (prev -1075 %; Δ -208.3pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.03 (>3.0%) and CFO 31.97b > Net Income 8.43b (YES >=105%, WARN >=100%)

Net Debt (170.03b) to EBITDA (9.00b) ratio: 18.89 <= 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 (926.6m) change vs 12m ago -2.32% (target <= -2.0% for YES)

Gross Margin 50.47% (prev 36.75%; Δ 13.72pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 5.01% (prev 6.14%; Δ -1.14pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.25 (EBITDA TTM 9.00b / Interest Expense TTM 32.99b) >= 6 (WARN >= 3)

Altman Z'' -3.86

(A) -0.62 = (Total Current Assets 139.28b - Total Current Liabilities 832.76b) / Total Assets 1116.94b

(B) 0.03 = Retained Earnings (Balance) 36.47b / Total Assets 1116.94b

(D) 0.05 = Book Value of Equity 53.31b / Total Liabilities 1052.81b

Total Rating: -3.86 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 58.01

1. Piotroski 4.0pt

2. FCF Yield 2.94%

3. FCF Margin 23.55%

4. Debt/Equity 5.76

5. Debt/Ebitda 18.89

6. ROIC - WACC (= -0.88)%

7. RoE 13.50%

8. Rev. Trend 55.56%

9. EPS Trend 49.01%

What is the price of CM shares?

As of December 20, 2025, the stock is trading at USD 92.88 with a total of 636,862 shares traded.
Over the past week, the price has changed by +0.02%, over one month by +10.53%, over three months by +14.84% and over the past year by +51.77%.

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	83.6	-10%
Analysts Target Price	83.6	-10%
ValueRay Target Price	120.2	29.4%

CM Fundamental Data Overview December 13, 2025

Market Cap CAD = 118.87b (86.39b USD * 1.376 USD.CAD)
P/E Trailing = 14.8256
P/E Forward = 13.5501
P/S = 3.2244
P/B = 2.05
P/EG = 4.3277
Beta = 1.289
Revenue TTM = 54.04b CAD
EBIT TTM = 8.15b CAD
EBITDA TTM = 9.00b CAD
Long Term Debt = 10.82b CAD (from longTermDebt, last quarter)
Short Term Debt = 84.91b CAD (from shortLongTermDebt, last quarter)
Debt = 369.24b CAD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = 170.03b CAD (from netDebt column, last quarter)
Enterprise Value = 432.36b CAD (118.87b + Debt 369.24b - CCE 55.75b)
Interest Coverage Ratio = 0.25 (Ebit TTM 8.15b / Interest Expense TTM 32.99b)
FCF Yield = 2.94% (FCF TTM 12.73b / Enterprise Value 432.36b)
FCF Margin = 23.55% (FCF TTM 12.73b / Revenue TTM 54.04b)
Net Margin = 15.60% (Net Income TTM 8.43b / Revenue TTM 54.04b)
Gross Margin = 50.47% ((Revenue TTM 54.04b - Cost of Revenue TTM 26.77b) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 43.67%)
Tobins Q-Ratio = 0.39 (Enterprise Value 432.36b / Total Assets 1116.94b)
Interest Expense / Debt = 2.16% (Interest Expense 7.96b / Debt 369.24b)
Taxrate = 21.92% (612.0m / 2.79b)
NOPAT = 6.36b (EBIT 8.15b * (1 - 21.92%))
Current Ratio = 0.17 (Total Current Assets 139.28b / Total Current Liabilities 832.76b)
Debt / Equity = 5.76 (Debt 369.24b / totalStockholderEquity, last quarter 64.13b)
Debt / EBITDA = 18.89 (Net Debt 170.03b / EBITDA 9.00b)
Debt / FCF = 13.36 (Net Debt 170.03b / FCF TTM 12.73b)
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 = 11.12% (EBIT 8.15b / Capital Employed (Equity 62.43b + L.T.Debt 10.82b))
RoIC = 2.30% (NOPAT 6.36b / Invested Capital 277.12b)
WACC = 3.17% (E(118.87b)/V(488.11b) * Re(7.80%) + D(369.24b)/V(488.11b) * Rd(2.16%) * (1-Tc(0.22)))
Discount Rate = 7.80% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: 33.33 | Cagr: 0.09%
[DCF Debug] Terminal Value 75.34% ; FCFE base≈11.64b ; Y1≈9.71b ; Y5≈7.16b
Fair Price DCF = 142.1 (DCF Value 131.68b / Shares Outstanding 926.6m; 5y FCF grow -20.04% → 3.0% )
EPS Correlation: 49.01 | EPS CAGR: 2.16% | SUE: 3.13 | # QB: 4
Revenue Correlation: 55.56 | Revenue CAGR: 4.97% | SUE: 0.02 | # 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=+0.449 | Revisions Net=+11 | Growth EPS=+10.4% | Growth Revenue=+4.9%
EPS next Year (2027-10-31): EPS=10.46 | Chg30d=+0.516 | Revisions Net=+5 | Growth EPS=+10.1% | Growth Revenue=+3.8%

Additional Sources for CM Stock

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