Canadian Imperial Bank of Commerce Logo

Canadian Imperial Bank of Commerce

CM.TO

(2.5)
Stock Price

83,63 CAD

0.52% ROA

12% ROE

11.29x PER

Market Cap.

57.529.103.540,00 CAD

367.11% DER

5.65% Yield

19.08% NPM

Canadian Imperial Bank of Commerce Stock Analysis

Canadian Imperial Bank of Commerce Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Canadian Imperial Bank of Commerce Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.97x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Revenue Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

3 Dividend

Shareholders can rely on the company's remarkable dividend history, consistently paying dividends for the past five years, demonstrating a steadfast dedication to rewarding investors.

4 ROE

ROE in an average range (9.29%) suggests satisfactory profitability and decent utilization of shareholders' equity.

5 ROA

The stock's ROA (0.5%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

7 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (280), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

8 DER

The stock is burdened with a heavy load of debt (381%), making it financially unstable and potentially risky for investors.

9 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

10 Assets Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

11 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

Canadian Imperial Bank of Commerce Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Canadian Imperial Bank of Commerce Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Sell
4 Stoch RSI Sell

Canadian Imperial Bank of Commerce Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Canadian Imperial Bank of Commerce Revenue
Year Revenue Growth
1997 8.496.972.258
1998 9.140.916.809 7.04%
1999 10.135.942.327 9.82%
2000 12.080.414.255 16.1%
2001 11.161.720.362 -8.23%
2002 11.040.498.442 -1.1%
2003 11.577.212.185 4.64%
2004 11.882.467.690 2.57%
2005 12.472.546.936 4.73%
2006 11.332.000.000 -10.06%
2007 12.066.029.704 6.08%
2008 3.713.323.713 -224.94%
2009 9.930.000.000 62.6%
2010 12.085.000.000 17.83%
2011 12.249.000.000 1.34%
2012 12.549.000.000 2.39%
2013 12.626.000.000 0.61%
2014 13.073.000.000 3.42%
2015 13.677.000.000 4.42%
2016 14.439.000.000 5.28%
2017 15.874.000.000 9.04%
2018 17.699.000.000 10.31%
2019 18.467.000.000 4.16%
2020 18.666.000.000 1.07%
2021 19.960.000.000 6.48%
2022 21.764.000.000 8.29%
2023 23.396.000.000 6.98%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Canadian Imperial Bank of Commerce Research and Development Expenses
Year Research and Development Expenses Growth
1997 0
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Canadian Imperial Bank of Commerce General and Administrative Expenses
Year General and Administrative Expenses Growth
1997 3.139.980.284
1998 4.129.958.327 23.97%
1999 4.387.965.278 5.88%
2000 4.937.557.113 11.13%
2001 4.732.582.130 -4.33%
2002 4.881.619.938 3.05%
2003 4.416.457.866 -10.53%
2004 4.398.927.091 -0.4%
2005 4.324.005.196 -1.73%
2006 4.288.000.000 -0.84%
2007 4.392.205.090 2.37%
2008 3.916.546.417 -12.14%
2009 3.610.000.000 -8.49%
2010 5.164.000.000 30.09%
2011 5.492.000.000 5.97%
2012 5.420.000.000 -1.33%
2013 4.214.000.000 -28.62%
2014 4.636.000.000 9.1%
2015 5.099.000.000 9.08%
2016 4.982.000.000 -2.35%
2017 5.198.000.000 4.16%
2018 5.665.000.000 8.24%
2019 5.726.000.000 1.07%
2020 6.259.000.000 8.52%
2021 6.450.000.000 2.96%
2022 7.157.000.000 9.88%
2023 7.560.000.000 5.33%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Canadian Imperial Bank of Commerce EBITDA
Year EBITDA Growth
1997 11.093.085.482
1998 12.472.912.487 11.06%
1999 11.713.991.467 -6.48%
2000 14.106.000.610 16.96%
2001 12.361.529.915 -14.11%
2002 6.752.336.449 -83.07%
2003 8.143.215.087 17.08%
2004 8.091.928.797 -0.63%
2005 7.301.924.666 -10.82%
2006 12.355.000.000 40.9%
2007 15.295.620.093 19.23%
2008 4.924.242.424 -210.62%
2009 5.904.000.000 16.59%
2010 7.251.000.000 18.58%
2011 8.153.000.000 11.06%
2012 8.973.000.000 9.14%
2013 8.761.000.000 -2.42%
2014 8.748.000.000 -0.15%
2015 8.213.000.000 -6.51%
2016 9.181.000.000 10.54%
2017 11.019.000.000 16.68%
2018 14.786.000.000 25.48%
2019 7.282.000.000 -103.05%
2020 6.199.000.000 -17.47%
2021 9.322.000.000 33.5%
2022 18.535.000.000 49.71%
2023 8.660.000.000 -114.03%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Canadian Imperial Bank of Commerce Gross Profit
Year Gross Profit Growth
1997 8.496.972.258
1998 9.140.916.809 7.04%
1999 10.135.942.327 9.82%
2000 12.080.414.255 16.1%
2001 11.161.720.362 -8.23%
2002 11.040.498.442 -1.1%
2003 11.577.212.185 4.64%
2004 11.882.467.690 2.57%
2005 12.472.546.936 4.73%
2006 11.332.000.000 -10.06%
2007 12.066.029.704 6.08%
2008 3.713.323.713 -224.94%
2009 9.930.000.000 62.6%
2010 12.086.000.000 17.84%
2011 12.201.000.000 0.94%
2012 12.348.000.000 1.19%
2013 12.626.000.000 2.2%
2014 13.073.000.000 3.42%
2015 13.677.000.000 4.42%
2016 14.439.000.000 5.28%
2017 15.874.000.000 9.04%
2018 17.699.000.000 10.31%
2019 18.467.000.000 4.16%
2020 18.666.000.000 1.07%
2021 19.960.000.000 6.48%
2022 21.764.000.000 8.29%
2023 23.396.000.000 6.98%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Canadian Imperial Bank of Commerce Net Profit
Year Net Profit Growth
1997 1.551.049.148
1998 1.055.872.820 -46.9%
1999 1.028.983.375 -2.61%
2000 2.060.615.291 50.06%
2001 1.685.446.754 -22.26%
2002 652.647.975 -158.25%
2003 2.062.508.242 68.36%
2004 2.199.463.545 6.23%
2005 -31.880.978 6998.98%
2006 2.646.000.000 101.2%
2007 3.295.809.290 19.72%
2008 -2.059.884.560 260%
2009 1.174.000.000 275.46%
2010 2.452.000.000 52.12%
2011 3.079.000.000 20.36%
2012 3.331.000.000 7.57%
2013 3.403.000.000 2.12%
2014 3.218.000.000 -5.75%
2015 3.576.000.000 10.01%
2016 4.275.000.000 16.35%
2017 4.699.000.000 9.02%
2018 5.267.000.000 10.78%
2019 5.096.000.000 -3.36%
2020 3.790.000.000 -34.46%
2021 6.429.000.000 41.05%
2022 6.220.000.000 -3.36%
2023 5.900.000.000 -5.42%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Canadian Imperial Bank of Commerce Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1997 2
1998 1 0%
1999 1 0%
2000 2 50%
2001 2 0%
2002 1 0%
2003 3 100%
2004 3 0%
2005 0 0%
2006 4 100%
2007 5 25%
2008 -3 300%
2009 1 300%
2010 3 50%
2011 4 33.33%
2012 4 0%
2013 4 25%
2014 4 -33.33%
2015 4 25%
2016 5 20%
2017 6 0%
2018 6 0%
2019 6 0%
2020 4 -25%
2021 7 33.33%
2022 7 0%
2023 0 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Canadian Imperial Bank of Commerce Free Cashflow
Year Free Cashflow Growth
1997 -6.532.037.741
1998 -15.153.110.048 56.89%
1999 6.317.051.640 339.88%
2000 -6.635.699.056 195.2%
2001 714.172.353 1029.15%
2002 8.665.109.034 91.76%
2003 -1.744.692.074 596.66%
2004 4.587.905.389 138.03%
2005 -371.944.740 1333.49%
2006 -7.049.000.000 94.72%
2007 4.320.310.283 263.16%
2008 284.992.785 -1415.94%
2009 24.663.000.000 98.84%
2010 -8.196.000.000 400.92%
2011 -1.687.000.000 -385.83%
2012 1.311.000.000 228.68%
2013 4.938.000.000 73.45%
2014 -16.822.000.000 129.35%
2015 19.227.000.000 187.49%
2016 10.041.000.000 -91.48%
2017 2.457.000.000 -308.67%
2018 9.612.000.000 74.44%
2019 18.363.000.000 47.66%
2020 59.986.000.000 69.39%
2021 -4.171.000.000 1538.17%
2022 21.606.000.000 119.3%
2023 11.816.000.000 -82.85%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Canadian Imperial Bank of Commerce Operating Cashflow
Year Operating Cashflow Growth
1997 -6.293.057.316
1998 -14.356.073.468 56.16%
1999 6.703.987.053 314.14%
2000 -6.257.995.736 207.13%
2001 1.301.380.733 580.87%
2002 8.900.311.526 85.38%
2003 -1.479.625.478 701.52%
2004 4.823.213.850 130.68%
2005 -108.631.480 4539.98%
2006 -6.939.000.000 98.43%
2007 4.566.266.200 251.96%
2008 434.102.934 -951.89%
2009 24.935.000.000 98.26%
2010 -7.976.000.000 412.63%
2011 -1.452.000.000 -449.31%
2012 1.620.000.000 189.63%
2013 5.186.000.000 68.76%
2014 -16.571.000.000 131.3%
2015 19.483.000.000 185.05%
2016 10.211.000.000 -90.8%
2017 2.457.000.000 -315.59%
2018 9.867.000.000 75.1%
2019 18.635.000.000 47.05%
2020 60.295.000.000 69.09%
2021 -3.332.000.000 1909.57%
2022 22.715.000.000 114.67%
2023 12.106.000.000 -87.63%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Canadian Imperial Bank of Commerce Capital Expenditure
Year Capital Expenditure Growth
1997 238.980.425
1998 797.036.580 70.02%
1999 386.935.413 -105.99%
2000 377.703.320 -2.44%
2001 587.208.380 35.68%
2002 235.202.492 -149.66%
2003 265.066.596 11.27%
2004 235.308.461 -12.65%
2005 263.313.260 10.64%
2006 110.000.000 -139.38%
2007 245.955.917 55.28%
2008 149.110.149 -64.95%
2009 272.000.000 45.18%
2010 220.000.000 -23.64%
2011 235.000.000 6.38%
2012 309.000.000 23.95%
2013 248.000.000 -24.6%
2014 251.000.000 1.2%
2015 256.000.000 1.95%
2016 170.000.000 -50.59%
2017 0 0%
2018 255.000.000 100%
2019 272.000.000 6.25%
2020 309.000.000 11.97%
2021 839.000.000 63.17%
2022 1.109.000.000 24.35%
2023 290.000.000 -282.41%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Canadian Imperial Bank of Commerce Equity
Year Equity Growth
1997 10.246.866.639
1998 11.135.977.774 7.98%
1999 11.058.113.874 -0.7%
2000 11.369.174.535 2.74%
2001 11.901.285.510 4.47%
2002 12.331.775.701 3.49%
2003 13.778.188.052 10.5%
2004 13.223.603.999 -4.19%
2005 10.730.900.933 -23.23%
2006 12.322.000.000 12.91%
2007 13.488.790.086 8.65%
2008 13.831.168.831 2.48%
2009 14.275.000.000 3.11%
2010 15.790.000.000 9.59%
2011 17.340.000.000 8.94%
2012 16.866.000.000 -2.81%
2013 18.252.000.000 7.59%
2014 18.619.000.000 1.97%
2015 21.360.000.000 12.83%
2016 23.472.000.000 9%
2017 31.035.000.000 24.37%
2018 35.116.000.000 11.62%
2019 38.580.000.000 8.98%
2020 41.335.000.000 6.67%
2021 45.830.000.000 9.81%
2022 50.382.000.000 9.03%
2023 53.213.000.000 5.32%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Canadian Imperial Bank of Commerce Assets
Year Assets Growth
1997 237.989.015.632
1998 281.430.004.630 15.44%
1999 250.331.028.395 -12.42%
2000 267.701.797.137 6.49%
2001 287.473.416.918 6.88%
2002 273.292.834.891 -5.19%
2003 277.147.566.926 1.39%
2004 278.763.716.167 0.58%
2005 280.369.583.186 0.57%
2006 303.984.000.000 7.77%
2007 342.177.655.851 11.16%
2008 353.929.773.930 3.32%
2009 335.944.000.000 -5.35%
2010 352.040.000.000 4.57%
2011 353.699.000.000 0.47%
2012 393.385.000.000 10.09%
2013 398.389.000.000 1.26%
2014 414.903.000.000 3.98%
2015 463.309.000.000 10.45%
2016 501.357.000.000 7.59%
2017 565.264.000.000 11.31%
2018 597.099.000.000 5.33%
2019 651.604.000.000 8.36%
2020 769.551.000.000 15.33%
2021 837.683.000.000 8.13%
2022 943.597.000.000 11.22%
2023 975.719.000.000 3.29%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Canadian Imperial Bank of Commerce Liabilities
Year Liabilities Growth
1997 227.742.148.993
1998 270.294.026.856 15.74%
1999 239.272.914.521 -12.96%
2000 256.332.622.601 6.66%
2001 275.572.131.408 6.98%
2002 260.961.059.190 -5.6%
2003 263.369.378.874 0.91%
2004 265.540.112.168 0.82%
2005 268.892.431.220 1.25%
2006 291.650.000.000 7.8%
2007 328.544.130.168 11.23%
2008 339.913.419.914 3.34%
2009 321.495.000.000 -5.73%
2010 336.082.000.000 4.34%
2011 336.195.000.000 0.03%
2012 376.347.000.000 10.67%
2013 379.960.000.000 0.95%
2014 396.120.000.000 4.08%
2015 441.756.000.000 10.33%
2016 477.684.000.000 7.52%
2017 534.027.000.000 10.55%
2018 561.983.000.000 4.97%
2019 613.024.000.000 8.33%
2020 728.216.000.000 15.82%
2021 791.853.000.000 8.04%
2022 893.215.000.000 11.35%
2023 922.506.000.000 3.18%

Canadian Imperial Bank of Commerce Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
25.52
Net Income per Share
5.47
Price to Earning Ratio
11.29x
Price To Sales Ratio
2.47x
POCF Ratio
4.64
PFCF Ratio
5.16
Price to Book Ratio
1.06
EV to Sales
8.11
EV Over EBITDA
8.35
EV to Operating CashFlow
15.54
EV to FreeCashFlow
16.95
Earnings Yield
0.09
FreeCashFlow Yield
0.19
Market Cap
57,53 Bil.
Enterprise Value
188,86 Bil.
Graham Number
84.56
Graham NetNet
-911.24

Income Statement Metrics

Net Income per Share
5.47
Income Quality
2.41
ROE
0.1
Return On Assets
0.01
Return On Capital Employed
0.03
Net Income per EBT
0.79
EBT Per Ebit
0.6
Ebit per Revenue
0.4
Effective Tax Rate
0.21

Margins

Sales, General, & Administrative to Revenue
0.32
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.4
Pretax Profit Margin
0.24
Net Profit Margin
0.19

Dividends

Dividend Yield
0.06
Dividend Yield %
5.65
Payout Ratio
0.45
Dividend Per Share
3.49

Operating Metrics

Operating Cashflow per Share
13.32
Free CashFlow per Share
12.21
Capex to Operating CashFlow
-0.08
Capex to Revenue
-0.04
Capex to Depreciation
-0.89
Return on Invested Capital
0.06
Return on Tangible Assets
0.01
Days Sales Outstanding
218.28
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
1.67
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-1.11

Balance Sheet

Cash per Share
88,23
Book Value per Share
58,06
Tangible Book Value per Share
49.36
Shareholders Equity per Share
58.06
Interest Debt per Share
248.42
Debt to Equity
3.67
Debt to Assets
0.2
Net Debt to EBITDA
5.81
Current Ratio
1.04
Tangible Asset Value
45,05 Bil.
Net Current Asset Value
-828,06 Bil.
Invested Capital
3.67
Working Capital
3,55 Bil.
Intangibles to Total Assets
0.01
Average Receivables
6,96 Bil.
Average Payables
6,62 Bil.
Average Inventory
0
Debt to Market Cap
3.38

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Canadian Imperial Bank of Commerce Dividends
Year Dividends Growth
1995 2
1996 2 0%
1997 1 0%
1998 1 0%
1999 1 0%
2000 1 0%
2001 1 0%
2002 2 0%
2003 2 0%
2004 2 50%
2005 3 0%
2006 3 0%
2007 3 33.33%
2008 3 0%
2009 3 0%
2010 3 0%
2011 4 0%
2012 4 0%
2013 4 0%
2014 4 25%
2015 4 0%
2016 5 0%
2017 5 20%
2018 5 0%
2019 6 0%
2020 6 0%
2021 6 0%
2022 4 -25%
2023 3 -100%

Canadian Imperial Bank of Commerce Profile

About Canadian Imperial Bank of Commerce

Canadian Imperial Bank of Commerce, a diversified financial institution, provides various financial products and services to personal, business, public sector, and institutional clients in Canada, the United States, and internationally. The company operates through four strategic business units: Canadian Personal and Business Banking; Canadian Commercial Banking and Wealth Management; U.S. Commercial Banking and Wealth Management; and Capital Markets. The company offers chequing, savings, and business accounts; mortgages; loans, lines of credit, student lines of credit, and business and agriculture loans; investment and insurance services; and credit cards, as well as overdraft protection services. It also provides day-to-day banking, borrowing and credit, specialty, investing and wealth, and international services; correspondent banking and online foreign exchange services; and cash management services. Canadian Imperial Bank of Commerce was founded in 1867 and is headquartered in Toronto, Canada.

CEO
Mr. Victor G. Dodig
Employee
48.047
Address
81 Bay Street
Toronto, M5J 0E7

Canadian Imperial Bank of Commerce Executives & BODs

Canadian Imperial Bank of Commerce Executives & BODs
# Name Age
1 Mr. Harry K. Culham
Senior EVice President and Group Head of Capital Markets & Direct Financial Services
70
2 Ms. Sandra R. Sharman
Senior EVice President and Group Head of People, Culture & Brand
70
3 Mr. John P. Ferren
Senior Vice President of Deposit Products & Analytics
70
4 Mr. Michael G. Capatides
Vice-Chair of CIBC Bank USA
70
5 Ms. Kikelomo Lawal
Executive Vice President & Chief Legal Officer
70
6 Mr. Jon Hountalas
Senior EVice President & Group Head of Canadian Banking
70
7 Mr. Shawn Beber
Senior EVice President & Group Head of US Region
70
8 Ms. Christina C. Kramer
Senior EVice President and Group Head of Technology, Infrastructure & Innovation
70
9 Mr. Victor G. Dodig
President, Chief Executive Officer & Director
70
10 Mr. Hratch Panossian
Senior EVice President, Chief Financial Officer and Head of Enterprise Strategy
70

Canadian Imperial Bank of Commerce Competitors