Canadian Imperial Bank of Commerce (CM) AI Stock Analysis

Canadian Imperial Bank of Commerce (CIBC) is a Toronto-based financial institution established in 1867. The bank operates across several segments, including Canadian Personal and Business Banking, Canadian Commercial Banking and Wealth Management, U.S. Commercial Banking and Wealth Management, and Capital Markets. CIBC delivers checking, savings, and loan products such as mortgages, agriculture financing, and credit cards. It also provides private wealth, investment, insurance, foreign exchange, and cash management services to retail, business, public sector, and institutional clients. In addition, CIBC is positioned to adopt digital asset custody, trading platforms, and blockchain solutions.

CIBC generated a 5-year revenue CAGR of 19.8% from FY2020 through FY2025. Annual revenue peaked at $64.02B in FY2024 before falling 3.1% to $62.01B in FY2025. Over the same period, net income expanded from $7.12B to $8.43B, lifting net margin to 13.6% and diluted EPS to $8.61. Operating cash flow totaled $13.84B in FY2025, delivering $12.73B in free cash flow. In the trailing twelve months ended July 31, 2026, CIBC delivered revenue of $30.01B with a 33.7% profit margin and an operating margin of 40.0%. For the latest quarter, quarterly revenue expanded 16.6% year-over-year while quarterly earnings rose 14.9%.

As of July 31, 2026, CIBC held $15.33B in cash and short-term investments against $177.88B in total debt, resulting in net debt of $162.55B. Shareholders' equity stood at $67.23B on total assets of $1.18T, with a debt-to-equity ratio of 2.65 and a current ratio of 0.10. In FY2025, the bank used its cash flow for $1.11B in capital expenditures, $3.99B in dividends paid, and $3.08B in share buybacks, which contributed to a 27.5% share count reduction over 5 years.

At $112.48, CIBC holds a market cap of $102.12B and trades at a trailing P/E of 15.0x and a forward P/E of 13.7x, both above the median of its US-listed Financial Services peers at 12.1x and 10.8x, respectively. The stock's price-to-sales multiple is 3.4x versus the peer median of 3.2x, while its price-to-book sits at 2.4x. CIBC shares gained 44.6% over the trailing 1-year period, outpacing the 16.8% return for the S&P 500 (SPY), and are up 142.3% over 5 years compared to 83.0% for the index.

CIBC offers an annual forward dividend of $3.02 per share, representing a 2.68% dividend yield. The bank has paid dividends for 30 consecutive years with a conservative payout ratio of 38.1%. Its annualized 5-year dividend growth rate stands at -4.6%, and the most recent ex-dividend date occurred on September 28, 2026.

Wall Street sentiment consists of 3 Strong Buy, 2 Buy, 9 Hold, and 1 Sell recommendations. The mean price target of $119.41 implies 6.2% upside potential from the last close of $112.48. For the current fiscal year ending October 31, 2026, analysts estimate EPS of $10.57, representing 22.8% annual earnings growth, on revenue of $33.07B. CIBC has beaten earnings estimates in each of the last 4 quarters, with next earnings scheduled for December 3, 2026.

This page is an AI-written research summary of Canadian Imperial Bank of Commerce (CM). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: CM income statement, CM balance sheet, CM analyst forecast, CM chart. See the CM stock overview for the latest quote and news.