Bull Rankings model

Canadian Imperial Bank of Commerce (CM) stock analysis

Banks - Diversified. Scored on the same transparent model behind the daily rankings.

★
CM
Canadian Imperial Bank of Commerce · Banks - Diversified
64.3Financial strength
$109.20Oct 9 close$99.1B
1Y Target$118.43Analyst consensus · 3 analysts
5Y Target$149.51Compound horizon
10Y Target$191.75Long-dated conviction
Rev+13.7%
B+
Revenue +13.7% — above sector median, healthy trajectory
P/E14.5x
C+
P/E 14.5 — above the Financial Services median (≈75th pctile)
ROE15.6%
B+
ROE 15.6% — above long-run market (~13%)
P/B2.16
C+
P/B 2.16 — richly valued vs book
Yield2.8%
B
Yield 2.8% — modest income

Targets: 1-year is analyst consensus where covered, 5- and 10-year are model estimates; the DCF is a cross-check, not a target. Methodology

Financial strength · 64.3 / 100
Profitability76.7
Value (P/B)44.8
Income65.3

A peer-relative read for financials on profitability (ROE), valuation, and covered income — the quality-growth (FCF/ROIC) screen doesn't apply to balance-sheet businesses. Not comparable to the 0–100 quality-growth score shown on other stocks.

Entry · Margin of safety
52-week rangeMid-range
13% off the 12-month high

Model-generatedFrom reported fundamentals, checked against the figures above · Editorial standards

Why now
Banks - Diversified · market cap $99.1b. 13% off the 52-week high of $124.86. Revenue growing +14%, comfortably above the S&P median. 3 sell-side analysts rate this a Hold with a mean 1-yr target of $118.43 (implying +8% upside).
Moat
Net margin 34% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 16% is above 15% — the equity base is compounding at a rate the market struggles to discount accurately. $99.1b market cap gives the company enough scale to absorb fixed costs that subscale competitors can't, without yet being so large that growth has to come from acquisition.
Risk
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Horizon
1-3 yr $118.43 (3-analyst consensus) — multiple re-rating thesis requires a catalyst. 5 yr $149.51 at ~6% CAGR — dividend compounding plus earnings growth. 10 yr $191.75 if the moat survives secular pressure.

Not enough history yet — the model records CM's score after each daily run, and the chart appears once a few days have accumulated.

CM at a glance

FINANCIAL STRENGTH · BANKPROFITABILITY77VALUE45COVERED INCOME6564.3/100 on our peer scale — not the quality-growth score.
ONE-YEAR MOVE VS ITS BETAFLATThis stock+36%Trailing one-year price change. Price history is not an inputto the Bull Rankings score.
PRICE IN ITS 52-WEEK RANGE$109LOW $79.3HIGH $125Trading at the 66th percentile of its 52-week range ($79.3–$125).

Same audited fundamentals as the score, unless a card says otherwise.

Analyst estimate revisions

30-day change-3.2%
90-day change+1.7%
Forward EPS estimate$7.98

Over the last 90 days, what analysts expect CM to earn is drifting higher (+1.7%). The estimate is derived from price and forward P/E captured at the same instant, so a moving share price does not move this number — only a changed forecast does.

Estimates move both ways and are not part of the Bull Rankings score. Biggest movers →

Shares to buy
18
Position size
$1,966
3.9% of portfolio
Stop price
$81.90
25% below $109.20
$ at risk if stopped
$491.40
budget $500.00 · 1% of portfolio

Math only: excludes commissions, slippage and gap risk. Inputs stay in your browser.

Canadian Imperial Bank of Commerce (CM): score, valuation & FAQ

Canadian Imperial Bank of Commerce (CM) is a Banks - Diversified company. As a bank, insurer or REIT it runs on a different financial model from the rest of the market, so Bull Rankings grades it on a sector-appropriate card — price-to-book, dividend yield, payout ratio and cash-flow coverage — rather than the 0–100 quality-growth score used elsewhere. The read below is a transparent screen, not a buy recommendation.

Its strongest graded signals are Rev (B+) and ROE (B+).

Is CM a good stock to buy?

Bull Rankings grades CM on a sector-appropriate card — price-to-book, dividend yield, payout and cash-flow coverage — rather than a single quality-growth score. That is driven by Rev (B+) and ROE (B+). A score is a quantitative screen of Canadian Imperial Bank of Commerce's fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.

How does Bull Rankings grade CM?

As a bank, insurer or REIT, CM isn't given a quality-growth score — signals like free cash flow, debt-to-equity and P/E don't translate cleanly to a balance-sheet business. Instead it's graded on a sector-appropriate card: price-to-book, dividend yield, payout ratio and operating-cash-flow coverage, where it rates strongest on Rev (B+) and ROE (B+).

Is CM overvalued or undervalued?

We don't publish a discounted-cash-flow value for CM, and not because the business is unprofitable. For a lender, insurer or property trust, "free cash flow" measures balance-sheet growth rather than owner earnings — loan originations and repayments run through operating cash flow — so discounting it would produce a confident-looking number with nothing behind it. CM is judged on book value, return on equity and income cover instead, which is what the financial-strength card shows.

What are the main risks of investing in CM?

Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.

New to these metrics? See the guides and the methodology.

More Diversified Banks stocks by score

All Financial Services rankings →

Analyze another ticker →