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Cdn Imperial Bank of Commerce (CM) Stock Analysis

This is a peer-relative look at Cdn Imperial Bank of Commerce (CM): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Banks peers, so every number reads in context rather than in isolation.

Company Profile

Company profile fields for Cdn Imperial Bank of Commerce (CM)
Profile ItemCM
NameCanadian Imperial Bank of Commerce
Country/RegionCanada
GICS SectorFinancials
GICS Industry GroupBanks
GICS IndustryBanks
GICS Sub-IndustryDiversified Banks
Market Capitalization104.58 billion USD
CurrencyUSD
ExchangeNYSE
Listing DateNovember 13, 1997
Security TypeCommon Stock

Price Performance

Cumulative Growth

CM
GSPC
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Cdn Imperial Bank of Commerce (CM) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Cdn Imperial Bank of Commerce (CM) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Cdn Imperial Bank of Commerce (CM) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Cdn Imperial Bank of Commerce (CM) metric values compared with Banks industry-group medians
MetricCurrent stock: CMIndustry group median
Total Return (1Y)41.10%30.28%
Total Return (3Y, Annualized)51.34%26.57%
Total Return (5Y, Annualized)19.22%9.43%

Risk Profile

Drawdown History

CM
GSPC
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Cdn Imperial Bank of Commerce (CM) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Cdn Imperial Bank of Commerce (CM) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Cdn Imperial Bank of Commerce (CM) metric values compared with Banks industry-group medians
MetricCurrent stock: CMIndustry group median
Volatility (1Y, Annualized)22.16%24.34%
Beta (5Y)0.990.72
Max Drawdown (5Y)-41.86%-43.36%

Risk-Adjusted Performance

Risk-Return Positioning

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Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. CM is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

Cdn Imperial Bank of Commerce (CM) metric values compared with Banks industry-group medians
MetricCurrent stock: CMIndustry group median
Sharpe Ratio (1Y)1.661.08
Sortino Ratio (1Y)2.441.61

Profitability

ROE (TTM)

Cdn Imperial Bank of Commerce (CM) posts ROE of 15.58%, in the upper peer quartile. That suggests the company earns more from each dollar of shareholders’ equity than most industry peers, a useful capital-efficiency signal.

CM

Banks industry group

15.58%

Group distribution
Max
19.84%
CM
15.58%
Q3
13.67%
Median
11.49%
Q1
9.50%
Min
3.64%
Largest peers
JPM
18.01%
RY
16.21%
CM
15.58%
HSBC
14.22%
WFC
12.91%
BAC
10.73%
MUFG
9.46%
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Where Cdn Imperial Bank of Commerce (CM) stands on ROE within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

Cdn Imperial Bank of Commerce (CM) keeps 33.74% of revenue as net profit, roughly in line with the peer group’s normal net margin range. Its full cost stack is taking a typical share of sales for the industry.

CM

Banks industry group

33.74%

Group distribution
Max
47.19%
Q3
35.25%
CM
33.74%
Median
31.21%
Q1
27.11%
Min
14.93%
Largest peers
HSBC
41.16%
JPM
34.59%
RY
33.87%
CM
33.74%
BAC
28.06%
WFC
27.64%
MUFG
27.45%
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Where Cdn Imperial Bank of Commerce (CM) stands on net margin within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

operating margin is set aside for Cdn Imperial Bank of Commerce (CM) in Banks: the operating-income line is not a clean boundary for this business model, so net margin, ROE, FFO, or industry-specific measures may be more useful.

Profitability Metrics

Cdn Imperial Bank of Commerce (CM) metric values compared with Banks industry-group medians
MetricCurrent stock: CMIndustry group median
ROE (TTM)15.58%11.49%
ROA (TTM)0.89%1.24%
Net Margin (TTM)33.74%31.21%
Operating Margin (TTM)----
Gross Margin (TTM)----

Growth

Revenue Growth

Cdn Imperial Bank of Commerce (CM) grew revenue 13.66%, roughly around the peer group's normal range. Top-line momentum looks broadly typical for the industry.

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Cdn Imperial Bank of Commerce (CM): Revenue Growth across different time periods, set against Banks industry-group medians.

EPS Growth

Cdn Imperial Bank of Commerce (CM) grew earnings per share 17.72%, roughly around the peer group's normal range. Bottom-line momentum looks broadly typical for the industry.

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Cdn Imperial Bank of Commerce (CM): EPS Growth across different time periods, set against Banks industry-group medians.

Growth Metrics

Cdn Imperial Bank of Commerce (CM) metric values compared with Banks industry-group medians
MetricCurrent stock: CMIndustry group median
Revenue Growth (YoY)13.66%11.23%
Revenue Growth (3Y CAGR)10.06%6.33%
EPS Growth (YoY)17.72%16.14%
EPS Growth (3Y CAGR)8.66%3.15%

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for Cdn Imperial Bank of Commerce (CM) in Banks: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for Cdn Imperial Bank of Commerce (CM) in Banks: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.

Financial Strength Metrics

Cdn Imperial Bank of Commerce (CM) metric values compared with Banks industry-group medians
MetricCurrent stock: CMIndustry group median
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Cdn Imperial Bank of Commerce (CM) has dividend yield of 3.62%, in the upper peer-yield quartile while still inside the industry range. The dividend offers more cash income per dollar of share price than most peers, though payout coverage still matters.

CM

Banks industry group

3.62%

Group distribution
Max
5.79%
CM
3.62%
Q3
3.18%
Median
2.39%
Q1
1.20%
Min
0.00%
Largest peers
MUFG
406.81%
CM
3.62%
RY
3.23%
BAC
2.33%
WFC
2.19%
JPM
1.82%
HSBC
0.86%
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Where Cdn Imperial Bank of Commerce (CM) stands on dividend yield within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

Cdn Imperial Bank of Commerce (CM) has payout ratio of 40.12%, within the industry’s typical payout band. The dividend shares profits with investors while leaving earnings coverage that looks normal for the peer group.

CM

Banks industry group

40.12%

Group distribution
Max
70.75%
Q3
41.28%
CM
40.12%
Median
29.26%
Q1
18.98%
Min
0.00%
Largest peers
HSBC
53.57%
RY
41.49%
CM
40.12%
MUFG
34.74%
BAC
27.62%
WFC
26.09%
JPM
25.80%
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Where Cdn Imperial Bank of Commerce (CM) stands on payout ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

Cdn Imperial Bank of Commerce (CM) metric values compared with Banks industry-group medians
MetricCurrent stock: CMIndustry group median
Dividend Yield (TTM)3.62%2.39%
Dividend Payout Ratio (TTM)40.12%29.26%

Valuation

P/E Ratio (TTM)

Cdn Imperial Bank of Commerce (CM) trades at P/E ratio of 15.32, in the richer earnings-multiple quartile for its industry. That premium needs support from growth, durable earnings, or stronger business quality.

CM

Banks industry group

15.32

Group distribution
Max
18.16
CM
15.32
Q3
13.75
Median
11.81
Q1
10.64
Min
6.49
Largest peers
RY
17.58
CM
15.32
JPM
14.03
MUFG
13.71
WFC
11.84
BAC
11.79
HSBC
11.38
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Where Cdn Imperial Bank of Commerce (CM) stands on P/E ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

P/S ratio is not assessed for Cdn Imperial Bank of Commerce (CM) in Banks: the revenue line is driven by spread economics rather than conventional product or service sales, so book value or earnings usually carry more weight.

P/B Ratio (MRQ)

Cdn Imperial Bank of Commerce (CM) trades at 2.24 on P/B ratio, in the higher book-value quartile. The market is paying a premium to book, so stronger ROE, cleaner assets, or a better growth profile need to justify it.

CM

Banks industry group

2.24

Group distribution
Max
2.28
CM
2.24
Q3
1.58
Median
1.32
Q1
1.10
Min
0.59
Largest peers
HSBC
6.87
RY
2.92
JPM
2.53
CM
2.24
MUFG
1.64
WFC
1.59
BAC
1.26
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Where Cdn Imperial Bank of Commerce (CM) stands on P/B ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

Cdn Imperial Bank of Commerce (CM) metric values compared with Banks industry-group medians
MetricCurrent stock: CMIndustry group median
P/E Ratio (TTM)15.3211.81
P/S Ratio (TTM)----
P/B Ratio (MRQ)2.241.32
Free Cash Flow Yield (TTM)----