(CM) Canadian Imperial Bank Of - Ratings and Ratios
Accounts, Mortgages, Loans, Cards, Insurance
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.21% |
| Yield on Cost 5y | 8.87% |
| Yield CAGR 5y | -22.16% |
| Payout Consistency | 91.4% |
| Payout Ratio | 33.3% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 18.7% |
| Value at Risk 5%th | 29.6% |
| Relative Tail Risk | -3.65% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.71 |
| Alpha | 27.51 |
| CAGR/Max DD | 1.44 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.422 |
| Beta | 0.477 |
| Beta Downside | 0.334 |
| Drawdowns 3y | |
|---|---|
| Max DD | 22.26% |
| Mean DD | 4.99% |
| Median DD | 3.56% |
Description: CM Canadian Imperial Bank Of September 26, 2025
Canadian Imperial Bank of Commerce (CIBC) is a diversified banking group that serves personal, business, public-sector, and institutional clients across Canada, the United States, and selected international markets. Founded in 1867 and headquartered in Toronto, it operates under the ticker CM on the NYSE.
The firm is organized into five reporting 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 & Other. This structure allows CIBC to capture revenue from both retail deposit-taking and higher-margin commercial and wealth activities.
CIBC’s product suite includes checking and savings accounts, a full range of consumer loans (mortgages, auto, education, home equity), business and agricultural lines of credit, cash-management services, credit cards, and a suite of investment, insurance, and private-banking solutions. Digital channels-mobile, online, and global wire-transfer platforms-supplement its extensive ATM network.
Key performance indicators from the most recent quarter (Q3 2024) show a net income of CAD 2.1 billion, a return on equity (ROE) of 13.4 %, and a Common Equity Tier 1 (CET1) capital ratio of 12.5 %, comfortably above the regulatory minimum. Loan growth was 4.2 % YoY, driven primarily by commercial real-estate and small-business portfolios, while net interest margin expanded 12 bps as the Bank of Canada’s policy rate held at 5 %. Sector-wide, Canadian banks are benefiting from a resilient housing market and a gradual shift toward fee-based wealth management services, but they remain exposed to potential credit-quality deterioration if interest rates stay elevated.
For a data-driven, side-by-side comparison of CIBC’s valuation metrics against its peers, the ValueRay platform provides a concise analytical dashboard 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) 62.23
| 1. Piotroski 3.50pt |
| 2. FCF Yield 4.78% |
| 3. FCF Margin 25.80% |
| 4. Debt/Equity 5.90 |
| 5. Debt/Ebitda 26.85 |
| 6. ROIC - WACC (= -0.07)% |
| 7. RoE 13.31% |
| 8. Rev. Trend 87.21% |
| 9. EPS Trend 46.45% |
What is the price of CM shares?
Over the past week, the price has changed by +2.44%, over one month by +2.74%, over three months by +12.81% and over the past year by +38.61%.
Is CM a buy, sell or hold?
- 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 | 75.3 | -12.6% |
| Analysts Target Price | 75.3 | -12.6% |
| ValueRay Target Price | 106.5 | 23.6% |
CM Fundamental Data Overview November 22, 2025
P/E Trailing = 14.0372
P/E Forward = 12.8205
P/S = 2.964
P/B = 1.9625
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 = 338.14b CAD (108.18b + Debt 369.24b - CCE 139.28b)
Interest Coverage Ratio = 0.30 (Ebit TTM 10.55b / Interest Expense TTM 34.63b)
FCF Yield = 4.78% (FCF TTM 16.17b / Enterprise Value 338.14b)
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 338.14b / 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 = 3.06% (E(108.18b)/V(477.42b) * Re(7.77%) + D(369.24b)/V(477.42b) * Rd(2.18%) * (1-Tc(0.23)))
Discount Rate = 7.77% (= 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: 46.45 | EPS CAGR: 6.76% | SUE: 1.36 | # QB: 3
Revenue Correlation: 87.21 | Revenue CAGR: 29.38% | SUE: 0.63 | # QB: 0
Additional Sources for CM Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle