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Upturn AI Summary - About
Canadian Imperial Bank Of Commerce(CM)
Top performer 
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for CM
11/09/2026: CM (5-star) is a STRONG-BUY. BUY for 9 days. Simulated Profits (-0.73%). Updated daily EoD!
Canadian Imperial Bank of Commerce (CIBC) is a major North American financial institution and one of Canada's 'Big Five' banks. The stock is best suited for income-focused and value-oriented investors due to its reliable dividend history and stable retail banking franchise. CIBC's primary growth story centers on its strategic expansion into U.S. commercial banking and a focus on digital transformation to improve efficiency. However, the company faces risks from high exposure to the Canadian housing market, intense competitive pressure, and cyclical macroeconomic factors. Monitoring the bank's credit quality in the U.S. and its ability to maintain margins in a competitive environment remains crucial for evaluating long-term performance.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | While the bank pursues strategic growth in the U.S., it is primarily a mature, stable business rather than a high-growth entity. |
| Momentum investor | Weak fit | This stock is generally driven by macro trends and valuation rather than rapid price momentum; fit is conditional on a clear upturn in the financial sector. |
| Value investor | Strong fit | CIBC is often valued based on its earnings yield and price-to-book ratios, making it a potentially suitable choice for those seeking value. |
| Dividend investor | Strong fit | The bank is known for a reliable and sustainable dividend payout, making it attractive for income-focused investors. |
| Low-risk investor | Strong fit | As a major regulated bank, it offers stability and lower relative risk compared to cyclical or speculative growth stocks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks can fluctuate significantly based on interest rate cycles and macroeconomic sentiment. |
| Valuation risk | Low | The stock generally trades in line with sector multiples, limiting extreme downside valuation risk. |
| Competition risk (Banking oligopoly) | Medium / high | Intense competition among the 'Big Five' in Canada and global players in the U.S. puts constant pressure on margins. |
| Business quality | Strong | CIBC maintains a robust, regulated banking franchise with diversified, recurring revenue streams. |
| Dividend income | Strong | The bank has a consistent track record of maintaining and growing its dividend for shareholders. |
| Execution risk | Medium | Successfully integrating U.S. operations and managing digital transformation is critical for future performance. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 170.78% | Avg. Invested days 87 | Today’s Advisory Strong Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  5.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 11/09/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 104.58B USD | Price to earnings Ratio 15.32 | 1Y Target Price 119.48 |
Price to earnings Ratio 15.32 | 1Y Target Price 119.48 | ||
Volume (30-day avg) 709.1K shares | Beta 1.23 | 52 Weeks Range 80.28 - 124.03 | Updated Date 11/09/2026 |
52 Weeks Range 80.28 - 124.03 | Updated Date 11/09/2026 | ||
Dividends yield (FY) 3.62% | Basic EPS (TTM) 7.52 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Canadian Personal and Business Banking | Mortgages, chequing, savings, credit cards, and small business lending in Canada. | The bedrock of the company, providing steady, recurring fee and interest income. |
| U.S. Commercial Banking | Commercial loans, treasury services, and wealth management across targeted U.S. regions. | An important growth engine designed to diversify income away from the Canadian market. |
| Capital Markets | Investment banking, trading, and advisory services for institutional clients. | Cyclical income that can boost performance during periods of high market activity. |
| Geography: Canada | Broad domestic banking operations. | Provides the majority of earnings and stable cash flow. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE 15.32 | Forward PE 14.1 | Enterprise Value 79.03B | Price to Sales(TTM) 3.49 |
Enterprise Value 79.03B | Price to Sales(TTM) 3.49 | ||
Enterprise Value to Revenue 8.21 | Enterprise Value to EBITDA - | Shares Outstanding 907.94M | Shares Floating 906.92M |
Shares Outstanding 907.94M | Shares Floating 906.92M | ||
Percent Insiders 0.02 | Percent Institutions 52.61 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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