Canadian Imperial Bank of Commerce (CM.TO) stock analysis

In our weekly check, Canadian Imperial Bank of Commerce is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 16 pass, warnings: 1, red flags: 8.

About Canadian Imperial Bank of Commerce

Canadian Imperial Bank of Commerce is a Financial Services company (Banks - Diversified) based in Canada, listed on TSX as CM.TO.

What our checks show for CM.TO

Red flags

• The net margin fell by 16.2 points over 5 years, to 16.1%: the company keeps less of each sale as profit.
• The gross margin fell by 52.2 points, to 47.5%: costs are rising faster than prices.
• Analysts expect revenue to shrink about 21.5% a year.
• The stock has fallen as much as 65% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 5.4 years.
• Return on capital (ROCE) is only 1.2%.

Warning signs

• Beta 1.24: the stock usually moves more than the market, both up and down.

Strengths

• Operating cash flow is 1.21x net profit: the profit arrives as real cash.
• Analysts expect the net margin to improve by 16.2 points from today's 16.1%.
• Revenue grew 44.6% a year over the last 3 years.
• Earnings per share grew 16.1% a year over the last 3 years.
• Net profit grew 17.6% a year over the last 3 years.
• Free cash flow is 17.5% of revenue: cash for dividends, buybacks or growth.

Next earnings report: 2026-12-03

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Questions

What grade does Canadian Imperial Bank of Commerce (CM.TO) have?

In our weekly check, Canadian Imperial Bank of Commerce is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 16 pass, warnings: 1, red flags: 8. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of CM.TO stock?

This week's biggest flags for Canadian Imperial Bank of Commerce: Margins falling, Gross margin falling, Weak revenue forecast. In total 9 of 25 checks show a warning or a red flag.

What does Canadian Imperial Bank of Commerce do?

Canadian Imperial Bank of Commerce is a Financial Services company (Banks - Diversified) based in Canada, listed on TSX as CM.TO.

When does Canadian Imperial Bank of Commerce report earnings next?

The next earnings report is expected on 2026-12-03. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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