(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 | 3.06% |
| Yield on Cost 5y | 8.55% |
| Yield CAGR 5y | -22.16% |
| Payout Consistency | 91.4% |
| Payout Ratio | 33.2% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 18.9% |
| Value at Risk 5%th | 29.7% |
| Relative Tail Risk | -4.28% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.82 |
| Alpha | 32.72 |
| CAGR/Max DD | 1.65 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.396 |
| Beta | 0.483 |
| Beta Downside | 0.300 |
| Drawdowns 3y | |
|---|---|
| Max DD | 22.26% |
| Mean DD | 4.84% |
| Median DD | 3.34% |
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% = 2.79b TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA 0.60pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1492 % (prev -1075 %; Δ -416.7pp) (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 (369.24b) to EBITDA (9.00b) ratio: 41.02 <= 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 42.43% (prev 36.75%; Δ 5.68pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 4.31% (prev 6.14%; Δ -1.84pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.33 (EBITDA TTM 9.00b / Interest Expense TTM 25.03b) >= 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 |
| (C) 0.01 = EBIT TTM 8.15b / Avg Total Assets 1079.46b |
| (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) 62.63
| 1. Piotroski 4.0pt |
| 2. FCF Yield 3.83% |
| 3. FCF Margin 37.44% |
| 4. Debt/Equity 5.76 |
| 5. Debt/Ebitda 41.02 |
| 6. ROIC - WACC (= -0.53)% |
| 7. RoE 13.50% |
| 8. Rev. Trend 84.00% |
| 9. EPS Trend 49.01% |
What is the price of CM shares?
As of December 10, 2025, the stock is trading at USD 90.49 with a total of 987,306 shares traded.
Over the past week, the price has changed by +4.50%, over one month by +5.60%, over three months by +16.92% and over the past year by +42.50%.
Over the past week, the price has changed by +4.50%, over one month by +5.60%, over three months by +16.92% and over the past year by +42.50%.
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 | 79.3 | -12.3% |
| Analysts Target Price | 79.3 | -12.3% |
| ValueRay Target Price | 114.5 | 26.5% |
CM Fundamental Data Overview December 07, 2025
Market Cap USD = 84.99b (84.99b USD * 1.0 USD.USD)
P/E Trailing = 15.3727
P/E Forward = 13.3333
P/S = 3.1722
P/B = 2.0164
P/EG = 4.3277
Beta = 1.294
Revenue TTM = 46.49b USD
EBIT TTM = 8.15b USD
EBITDA TTM = 9.00b USD
Long Term Debt = 10.82b USD (from longTermDebt, last quarter)
Short Term Debt = 235.15b USD (from shortTermDebt, two quarters ago)
Debt = 369.24b USD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = 369.24b USD (using Total Debt 369.24b, CCE unavailable)
Enterprise Value = 454.23b USD (84.99b + Debt 369.24b - (null CCE))
Interest Coverage Ratio = 0.33 (Ebit TTM 8.15b / Interest Expense TTM 25.03b)
FCF Yield = 3.83% (FCF TTM 17.41b / Enterprise Value 454.23b)
FCF Margin = 37.44% (FCF TTM 17.41b / Revenue TTM 46.49b)
Net Margin = 18.13% (Net Income TTM 8.43b / Revenue TTM 46.49b)
Gross Margin = 42.43% ((Revenue TTM 46.49b - Cost of Revenue TTM 26.77b) / Revenue TTM)
Gross Margin QoQ = none% (prev 43.67%)
Tobins Q-Ratio = 0.41 (Enterprise Value 454.23b / Total Assets 1116.94b)
Interest Expense / Debt = 2.18% (Interest Expense 8.04b / 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 = 41.02 (Net Debt 369.24b / EBITDA 9.00b)
Debt / FCF = 21.21 (Net Debt 369.24b / FCF TTM 17.41b)
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 = 2.31% (NOPAT 6.36b / Invested Capital 274.98b)
WACC = 2.84% (E(84.99b)/V(454.23b) * Re(7.80%) + D(369.24b)/V(454.23b) * Rd(2.18%) * (1-Tc(0.22)))
Discount Rate = 7.80% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: 100.0 | Cagr: 1.80%
[DCF Debug] Terminal Value 70.73% ; FCFE base≈14.45b ; Y1≈9.60b ; Y5≈4.49b
Fair Price DCF = 94.97 (DCF Value 88.00b / Shares Outstanding 926.6m; 5y FCF grow -39.14% → 3.0% )
EPS Correlation: 49.01 | EPS CAGR: 2.16% | SUE: 3.13 | # QB: 4
Revenue Correlation: 84.00 | Revenue CAGR: 28.81% | SUE: 0.63 | # QB: 0
EPS next Quarter (2026-01-31): EPS=2.37 | Chg30d=+0.088 | Revisions Net=-3 | Analysts=10
EPS current Year (2026-10-31): EPS=9.50 | Chg30d=+0.447 | Revisions Net=+3 | Growth EPS=+10.3% | Growth Revenue=+4.2%
EPS next Year (2027-10-31): EPS=10.36 | Chg30d=+0.418 | Revisions Net=+1 | Growth EPS=+9.1% | Growth Revenue=+3.8%
P/E Trailing = 15.3727
P/E Forward = 13.3333
P/S = 3.1722
P/B = 2.0164
P/EG = 4.3277
Beta = 1.294
Revenue TTM = 46.49b USD
EBIT TTM = 8.15b USD
EBITDA TTM = 9.00b USD
Long Term Debt = 10.82b USD (from longTermDebt, last quarter)
Short Term Debt = 235.15b USD (from shortTermDebt, two quarters ago)
Debt = 369.24b USD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = 369.24b USD (using Total Debt 369.24b, CCE unavailable)
Enterprise Value = 454.23b USD (84.99b + Debt 369.24b - (null CCE))
Interest Coverage Ratio = 0.33 (Ebit TTM 8.15b / Interest Expense TTM 25.03b)
FCF Yield = 3.83% (FCF TTM 17.41b / Enterprise Value 454.23b)
FCF Margin = 37.44% (FCF TTM 17.41b / Revenue TTM 46.49b)
Net Margin = 18.13% (Net Income TTM 8.43b / Revenue TTM 46.49b)
Gross Margin = 42.43% ((Revenue TTM 46.49b - Cost of Revenue TTM 26.77b) / Revenue TTM)
Gross Margin QoQ = none% (prev 43.67%)
Tobins Q-Ratio = 0.41 (Enterprise Value 454.23b / Total Assets 1116.94b)
Interest Expense / Debt = 2.18% (Interest Expense 8.04b / 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 = 41.02 (Net Debt 369.24b / EBITDA 9.00b)
Debt / FCF = 21.21 (Net Debt 369.24b / FCF TTM 17.41b)
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 = 2.31% (NOPAT 6.36b / Invested Capital 274.98b)
WACC = 2.84% (E(84.99b)/V(454.23b) * Re(7.80%) + D(369.24b)/V(454.23b) * Rd(2.18%) * (1-Tc(0.22)))
Discount Rate = 7.80% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: 100.0 | Cagr: 1.80%
[DCF Debug] Terminal Value 70.73% ; FCFE base≈14.45b ; Y1≈9.60b ; Y5≈4.49b
Fair Price DCF = 94.97 (DCF Value 88.00b / Shares Outstanding 926.6m; 5y FCF grow -39.14% → 3.0% )
EPS Correlation: 49.01 | EPS CAGR: 2.16% | SUE: 3.13 | # QB: 4
Revenue Correlation: 84.00 | Revenue CAGR: 28.81% | SUE: 0.63 | # QB: 0
EPS next Quarter (2026-01-31): EPS=2.37 | Chg30d=+0.088 | Revisions Net=-3 | Analysts=10
EPS current Year (2026-10-31): EPS=9.50 | Chg30d=+0.447 | Revisions Net=+3 | Growth EPS=+10.3% | Growth Revenue=+4.2%
EPS next Year (2027-10-31): EPS=10.36 | Chg30d=+0.418 | Revisions Net=+1 | Growth EPS=+9.1% | Growth Revenue=+3.8%
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