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⚠️ Not investment advice. Past performance does not guarantee future results.
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Canadian Imperial Bank of Commerce CM

Canada Financial Services
6.4/10
AI Analyst score
113.60 USD
Last price at analysis date · analyst target 119.13 (+4.9%)
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🟡 HOLD — Hold or accumulate on dips; fundamentals are solid and valuation is reasonable.

Canadian Imperial Bank of Commerce (CIBC) is one of Canada's largest banks, offering personal, commercial, and investment banking, as well as wealth management, through a national network and international operations. CIBC shows solid financial health (ROE 15.58%) and exceptional quality (net margin 33.74%), with revenue growth of 16.60% and a reasonable valuation (P/E 15.43). Expansion in asset management and the commitment to the defense sector reinforce its prospects.

Financial health
5.4
Quality / Moat
9.2
Valuation
4.5
Growth
7.4
Dividend
7.1
Momentum
7.6
Risk & Context
4.9

Detailed metrics

Market and fundamental data as of the analysis date.

💵 Valuation
P/E15.43
Fwd P/E14.08
EV/EBITDAN/D
P/B2.28
P/S4.87
PEG1.71
Market cap103.14 B USD
Enterprise value118.45 B CAD
🏰 Quality and moat
ROIC (approx.)3.3%
Gross margin0.00%
FCF conversionN/D
Operating margin39.97%
📈 Profitability and margins
ROE15.58%
ROA0.89%
Net margin33.74%
FCFN/D
FCF yieldN/D
🏦 Solvency and liquidity
Total debt296.07 B CAD
Net debt-27.54 B CAD
Cash323.62 B CAD
EBITDAN/D
Net debt / EBITDAN/D
D/EN/D
Current ratioN/D
Quick ratioN/D
🚀 Growth
Revenue growth16.60%
Earnings growth14.90%
EPS (TTM)7.36 USD
EPS (Fwd)8.07 USD
💰 Dividend and risk
Dividend yield2.72%
Payout40.1%
Beta1.25
Analyst consensusBuy (3)
Target price119.13 USD
52-week range78.79 USD – 124.86 USD
⚠️ Main risk: The main risk is a Canadian economic slowdown that increases loan losses and compresses margins, given the relatively low ROA of 0.89%.
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Full AI report

Generated automatically from the metrics, the macro context and the company's news.

Canadian Imperial Bank of Commerce (CIBC) is one of Canada's largest banks, offering personal, commercial, and investment banking, as well as wealth management, through a national network and international operations. CIBC shows solid financial health (ROE 15.58%) and exceptional quality (net margin 33.74%), with revenue growth of 16.60% and a reasonable valuation (P/E 15.43). Expansion in asset management and the commitment to the defense sector reinforce its prospects.

Score by category

CategoryScore
Financial health5.4
Quality / Moat9.2
Valuation4.5
Growth7.4
Dividend7.1
Momentum7.6
Risk & Context4.9

OVERALL SCORE: 6.4/10

Context and risks

Moderate governance/regulatory risk in Canada, with a stable but subject-to-review banking regulatory framework. Exposure to a growing defense sector could add minor political risk.

News considered in the analysis

  • Canada's Banks To Accept Tokenized Deposits — Adopción temprana de depósitos tokenizados, una iniciativa que podría modernizar la infraestructura bancaria y abrir nuevas fuentes de ingresos, aunque aún en fase inicial.
  • Maze Therapeutics Shares Rise 2.9% After CIBC Initiates Coverage — Ruido de mercado sin impacto material en los fundamentales de CIBC.
  • Canadian Imperial Bank Of Commerce (TSX:CM) Following New Bond Deals Has Modest Upside In View — Análisis de mercado sin información nueva relevante.
  • CIBC (CM) Sees Expansion of Actively Managed ETF Lineup Through Asset Management Arm — Expansión en gestión de activos, un negocio de comisiones recurrentes que diversifica ingresos y refuerza el foso.
  • CIBC commits $2 billion to help Canadian defence-related companies grow — Compromiso de financiación de 2.000 millones de dólares canadienses para el sector de defensa, que podría generar nuevas oportunidades de negocio y mejorar la relación con el gobierno.

Verdict: Hold or accumulate on dips; fundamentals are solid and valuation is reasonable.

Main risk: The main risk is a Canadian economic slowdown that increases loan losses and compresses margins, given the relatively low ROA of 0.89%.

Other Financial Services companies

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Automatically generated analysis from fundamental, market and news data. Not personalised financial advice — a research tool, not an individual recommendation. Past performance does not guarantee future results. Last update of this analysis: 2026-09-28. Legal notice, privacy & cookies.