Canadian Imperial Bank of Commerce (CM) 10-Year Financial Performance & Capital Metrics

CM • • Banking & Credit

Financial ServicesDiversified BanksNorth American universal banks

AboutCanadian 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.Show more

Net Interest Income $15.77B +15.1%
Total Revenue $62.01B -3.1%
Net Income $8.43B +18.5%
Return on Equity 13.66% +7.7%
Net Interest Margin 1.41% +7.4%
Efficiency Ratio 25.37% +13.1%
ROA 0.78% +10.7%
Equity / Assets 5.77% +1.8%
Book Value per Share 68.48 +9.3%
Tangible BV/Share 59.58 +10.6%
Debt/Equity 5.52 +2.3%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong 5Y profit CAGR of 17.3%
✓Efficient operations: 25.4% efficiency ratio
✓Healthy dividend yield of 3.1%
✓Trading near 52-week high

✗Weaknesses

✗High debt to equity ratio of 5.5x
✗Weak NIM of 1.4%
✗Thin capital base

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y13.65%

5Y19.79%

3Y25.59%

TTM-

Profit (Net Income) CAGR

10Y8.95%

5Y17.33%

3Y10.66%

TTM18.47%

EPS CAGR

10Y6.82%

5Y15.83%

3Y8.66%

TTM17.7%

ROCE

10Y Avg3.88%

5Y Avg3.86%

3Y Avg3.64%

Latest4.26%

Peer Comparison

North American universal banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
CCitigroup Inc.	192.61B	110.22	18.52	9.86%	7.43%	6.87%		2.82
BNSThe Bank of Nova Scotia	93.65B	75.75	18.22	148.2%	10.64%	8.79%	3.95%	5.69
BMOBank of Montreal	102.03B	143.93	17.22	-0.52%	11.14%	10.57%	6.1%	4.71
RYRoyal Bank of Canada	234.16B	167.23	16.24	2.13%	14.82%	14.63%	16.53%	6.00
CMCanadian Imperial Bank of Commerce	93.55B	100.96	16.12	-3.14%	13.59%	13.09%		5.52
JPMJPMorgan Chase & Co.	809.67B	300.30	15.21	14.61%	21.59%	16.11%		2.18
WFCWells Fargo & Company	251.85B	81.44	15.16	8.72%	15.73%	11.51%	1.21%	1.56
BACBank of America Corporation	379.25B	49.83	13.04	-1.91%	16.23%	10.1%	3.33%	1.21

Profit & Loss

	Oct 2016	Oct 2017	Oct 2018	Oct 2019	Oct 2020	Oct 2021	Oct 2022	Oct 2023	Oct 2024	Oct 2025
Net Interest Income+	8.37B	8.98B	10.06B	10.55B	11.04B	11.46B	12.64B	12.82B	13.7B	15.77B
NII Growth %	5.7%	7.3%	12.12%	4.83%	4.67%	3.76%	10.32%	1.46%	6.78%	15.14%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	12.09B	13.59B	17.5B	20.7B	17.52B	14.74B	22.18B	45.02B	52.19B	48.76B
Interest Expense	3.73B	4.62B	7.44B	10.15B	6.48B	3.28B	9.54B	32.19B	38.49B	32.99B
Loan Loss Provision	1.05B	829M	842M	1.29B	2.49B	158M	963M	2.01B	2B	2.34B
Non-Interest Income+	6.07B	6.9B	7.63B	7.92B	7.62B	8.5B	9.12B	10.47B	11.83B	13.24B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	18.16B	20.49B	25.14B	28.61B	25.14B	23.24B	31.3B	55.49B	64.02B	62.01B
Revenue Growth %	5.33%	12.8%	22.68%	13.83%	-12.14%	-7.55%	34.68%	77.28%	15.36%	-3.14%
Non-Interest Expense	8.38B	9.16B	10.15B	10.71B	11.28B	11.48B	12.83B	14.32B	14.36B	15.73B
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	5.01B	5.88B	6.71B	6.47B	4.89B	8.32B	7.97B	6.97B	9.17B	10.94B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	18.68%	17.29%	14.05%	-3.53%	-24.41%	70.18%	-4.19%	-12.54%	31.45%	19.34%
Pretax Income+	5.01B	5.88B	6.71B	6.47B	4.89B	8.32B	7.97B	6.97B	9.17B	10.94B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	718M	1.16B	1.42B	1.35B	1.1B	1.88B	1.73B	1.93B	2.01B	2.48B
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	4.28B	4.7B	5.27B	5.1B	3.79B	6.43B	6.22B	5B	7.12B	8.43B
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	19.55%	9.92%	12.09%	-3.25%	-25.63%	69.63%	-3.25%	-19.6%	42.27%	18.47%
Net Income (Continuing)	4.29B	4.72B	5.28B	5.12B	3.79B	6.45B	6.24B	5.04B	7.15B	8.45B
EPS (Diluted)+	5.35	5.62	5.83	5.60	4.11	6.96	6.68	5.17	7.28	8.57
EPS Growth %	20.77%	5.05%	3.74%	-3.95%	-26.61%	69.34%	-4.02%	-22.6%	40.81%	17.72%
EPS (Basic)	5.36	5.63	5.85	5.61	4.12	6.98	6.70	5.17	7.29	8.62
Diluted Shares Outstanding	791.84M	827.13M	889.25M	890.91M	892.04M	900.37M	905.68M	916.22M	941.71M	940.67M

Balance Sheet

	Oct 2016	Oct 2017	Oct 2018	Oct 2019	Oct 2020	Oct 2021	Oct 2022	Oct 2023	Oct 2024	Oct 2025
Cash & Short Term Investments+	52.43B	55.81B	56.9B	69.63B	126.22B	123.27B	129.43B	124.5B	93.25B	92.81B
Cash & Due from Banks	15.18B	15.65B	20.69B	22.83B	71.67B	69.27B	73.33B	63.17B	56.03B	55.75B
Short Term Investments	37.25B	40.16B	36.21B	46.8B	54.55B	54B	56.1B	61.33B	37.22B	37.06B
Total Investments+	373.45B	424.38B	495.02B	534.73B	592.76B	649.89B	736.63B	778.5B	849.85B	911.89B
Investments Growth %	10.43%	13.64%	16.64%	8.02%	10.85%	9.64%	13.35%	5.68%	9.17%	7.3%
Long-Term Investments	337.89B	385.84B	460.45B	489.85B	538.2B	598.74B	683.6B	717.17B	816.55B	874.83B
Accounts Receivables	1.32B	1.46B	2.16B	2.17B	1.84B	2.13B	3.28B	4.35B	5.45B	5.87B
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	1.54B	5.37B	5.56B	5.45B	5.25B	4.95B	5.35B	5.42B	5.44B	5.47B
Intangible Assets	1.41B	1.98B	1.95B	1.97B	1.96B	2.03B	2.59B	2.74B	2.83B	2.89B
PP&E (Net)	1.9B	1.78B	1.79B	1.81B	3B	3.29B	3.38B	3.25B	3.36B	3.44B
Other Assets	97.33B	106.01B	60.4B	71.65B	88.26B	96.86B	101.43B	111.32B	104.02B	118.96B
Total Current Assets	62.21B	65.17B	67.99B	82.27B	135.77B	134.25B	149.84B	139.04B	108.97B	110.32B
Total Non-Current Assets	439.15B	500.09B	529.11B	569.33B	633.78B	703.43B	793.76B	836.65B	933.02B	1.01T
Total Assets+	501.36B	565.26B	597.1B	651.6B	769.55B	837.68B	943.6B	975.69B	1.04T	1.12T
Asset Growth %	8.21%	12.75%	5.63%	9.13%	18.1%	8.85%	12.64%	3.4%	6.79%	7.19%
Return on Assets (ROA)	0.89%	0.88%	0.91%	0.82%	0.53%	0.8%	0.7%	0.52%	0.71%	0.78%
Accounts Payable	4.14B	4.95B	7.27B	8.44B	8.66B	8.85B	11.23B	13.24B	14.13B	14.03B
Total Debt+	144.58B	167.38B	178.39B	198.03B	218.34B	236.05B	264.63B	281.62B	318.65B	355.82B
Net Debt	129.4B	151.72B	157.7B	175.2B	146.67B	166.78B	191.3B	218.45B	262.62B	300.07B
Long-Term Debt	62.86B	65.29B	77.86B	75.4B	79.89B	87.94B	107.25B	116.84B	125.1B	140.88B
Short-Term Debt	81.72B	102.09B	100.52B	122.63B	136.59B	148.11B	157.38B	164.77B	193.55B	214.95B
Other Liabilities	49.63B	38.71B	38.53B	40.61B	46.65B	51.98B	76.96B	67.64B	56.32B	63.15B
Total Current Liabilities	362.33B	426.35B	441.42B	493.15B	595.01B	651.9B	703.04B	734.62B	797.05B	848.45B
Total Non-Current Liabilities	112.5B	104.02B	116.44B	116.05B	128.43B	139.95B	184.25B	184.53B	181.46B	204.07B
Total Liabilities	477.68B	534.03B	561.98B	613.02B	728.22B	791.85B	893.22B	922.53B	982.98B	1.05T
Total Equity+	23.67B	31.24B	35.12B	38.58B	41.34B	45.83B	50.38B	53.16B	59.01B	64.41B
Equity Growth %	9.84%	31.95%	12.42%	9.86%	7.14%	10.87%	9.93%	5.52%	10.99%	9.16%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	18.91%	17.12%	15.88%	13.83%	9.49%	14.75%	12.93%	9.66%	12.69%	13.66%
Book Value per Share	29.90	37.77	39.49	43.30	46.34	50.90	55.63	58.02	62.66	68.48
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	8.03B	12.55B	13.24B	13.59B	13.91B	14.35B	14.73B	16.08B	17.01B	17.18B
Additional Paid-in Capital	72M	137M	136M	125M	117M	110M	115M	109M	159M	226M
Retained Earnings	13.58B	16.1B	18.54B	20.97B	22.12B	25.79B	28.82B	30.35B	33.47B	36.47B
Accumulated OCI	790M	452M	777M	881M	1.44B	1.07B	1.59B	1.46B	3.15B	8.55B
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	1B	1.8B	2.25B	2.83B	3.58B	4.33B	4.92B	4.92B	4.95B	1.7B

Cash Flow

	Oct 2016	Oct 2017	Oct 2018	Oct 2019	Oct 2020	Oct 2021	Oct 2022	Oct 2023	Oct 2024	Oct 2025
Cash from Operations+	10.21B	2.46B	9.87B	19.09B	60.3B	-3.33B	22.71B	12.15B	11.09B	-23.34B
Operating CF Growth %	-47.59%	-75.94%	301.59%	93.43%	215.91%	-105.53%	781.72%	-46.49%	-8.77%	-310.54%
Net Income	4.29B	4.72B	5.28B	5.1B	3.79B	6.45B	6.24B	5.04B	7.15B	8.45B
Depreciation & Amortization	462M	542M	657M	838M	1.31B	1.02B	1.05B	1.14B	1.17B	1.18B
Deferred Taxes	-20M	21M	69M	108M	-228M	-41M	-46M	-84M	-244M	-257M
Other Non-Cash Items	214M	366M	599M	1.02B	1.72B	995M	-110M	3.75B	135M	-34.84B
Working Capital Changes	5.25B	-3.2B	3.23B	11.99B	53.69B	-11.77B	15.56B	2.3B	2.86B	2.1B
Cash from Investing+	-7.38B	-1.97B	-7.99B	-18.34B	-19.88B	-3.51B	-24.39B	-20.76B	-20.75B	-5.78B
Purchase of Investments	-31.63B	-37.86B	-33.01B	-42.3B	-54.08B	-49.9B	-70.95B	-79.49B	-76.53B	-98.37B
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	-2.52B	-315M	-25M	0	0	-3.08B	0	0	0
Other Investing	0	0	0	0	0	0	0	0	0	0
Cash from Financing+	-2.44B	-501M	-993M	-1.29B	-1.22B	-1.95B	-1.61B	-2.16B	-2.61B	32.87B
Dividends Paid	-1.75B	-1.43B	-2.11B	-2.41B	-2.57B	-2.65B	-2.97B	-2.26B	-2.95B	-3.99B
Share Repurchases	-270M	-7M	-417M	-109M	-234M	-15M	-934M	0	-423M	-3.08B
Stock Issued	101M	194M	192M	158M	177M	284M	229M	183M	312M	162M
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	-1000K	1000K	1000K	1000K	-1000K	1000K	-1000K	1000K	-1000K
Other Financing	0	0	0	0	0	0	0	0	0	37.15B
Net Change in Cash+	447M	-60M	940M	-540M	39.69B	-8.96B	-3.04B	-10.72B	-12.25B	3.81B
Exchange Rate Effect	1000K	-1000K	1000K	1000K	1000K	-1000K	1000K	1000K	1000K	1000K
Cash at Beginning	3.05B	3.5B	3.44B	4.38B	3.84B	43.53B	34.57B	31.54B	20.82B	8.56B
Cash at End	3.5B	3.44B	4.38B	3.84B	43.53B	34.57B	31.54B	20.82B	8.56B	12.38B
Interest Paid	3.8B	4.53B	7.24B	10.01B	6.72B	3.7B	8.31B	29.67B	38.04B	33.98B
Income Taxes Paid	730M	2.2B	1.65B	1.55B	39M	1.37B	2.58B	1.66B	2.51B	3.23B
Free Cash Flow+	10.04B	2.66B	9.61B	18.36B	59.99B	-4.17B	21.61B	11.14B	10B	-24.45B
FCF Growth %	-47.78%	-73.53%	261.63%	91.04%	226.67%	-106.95%	618.01%	-48.44%	-10.24%	-344.56%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	18.91%	17.12%	15.88%	13.83%	9.49%	14.75%	12.93%	9.66%	12.69%	13.66%
Return on Assets (ROA)	0.89%	0.88%	0.91%	0.82%	0.53%	0.8%	0.7%	0.52%	0.71%	0.78%
Net Interest Margin	1.67%	1.59%	1.69%	1.62%	1.44%	1.37%	1.34%	1.31%	1.31%	1.41%
Efficiency Ratio	46.11%	44.73%	40.37%	37.44%	44.88%	49.39%	40.98%	25.8%	22.43%	25.37%
Equity / Assets	4.72%	5.53%	5.88%	5.92%	5.37%	5.47%	5.34%	5.45%	5.66%	5.77%
Book Value / Share	29.9	37.77	39.49	43.3	46.34	50.9	55.63	58.02	62.66	68.48
NII Growth	5.7%	7.3%	12.12%	4.83%	4.67%	3.76%	10.32%	1.46%	6.78%	15.14%
Dividend Payout	41.01%	30.33%	40.04%	47.21%	67.84%	41.2%	47.78%	45.21%	41.42%	47.37%

US Stock Screener

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Canadian Imperial Bank of Commerce (CM) 10-Year Financial Performance & Capital Metrics

CM • • Banking & Credit

Financial ServicesDiversified BanksNorth American universal banks

Net Interest Income $15.77B +15.1%
Total Revenue $62.01B -3.1%
Net Income $8.43B +18.5%
Return on Equity 13.66% +7.7%
Net Interest Margin 1.41% +7.4%
Efficiency Ratio 25.37% +13.1%
ROA 0.78% +10.7%
Equity / Assets 5.77% +1.8%
Book Value per Share 68.48 +9.3%
Tangible BV/Share 59.58 +10.6%
Debt/Equity 5.52 +2.3%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong 5Y profit CAGR of 17.3%
✓Efficient operations: 25.4% efficiency ratio
✓Healthy dividend yield of 3.1%
✓Trading near 52-week high

✗Weaknesses

✗High debt to equity ratio of 5.5x
✗Weak NIM of 1.4%
✗Thin capital base

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y13.65%

5Y19.79%

3Y25.59%

TTM-

Profit (Net Income) CAGR

10Y8.95%

5Y17.33%

3Y10.66%

TTM18.47%

EPS CAGR

10Y6.82%

5Y15.83%

3Y8.66%

TTM17.7%

ROCE

10Y Avg3.88%

5Y Avg3.86%

3Y Avg3.64%

Latest4.26%

Peer Comparison

North American universal banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
CCitigroup Inc.	192.61B	110.22	18.52	9.86%	7.43%	6.87%		2.82
BNSThe Bank of Nova Scotia	93.65B	75.75	18.22	148.2%	10.64%	8.79%	3.95%	5.69
BMOBank of Montreal	102.03B	143.93	17.22	-0.52%	11.14%	10.57%	6.1%	4.71
RYRoyal Bank of Canada	234.16B	167.23	16.24	2.13%	14.82%	14.63%	16.53%	6.00
CMCanadian Imperial Bank of Commerce	93.55B	100.96	16.12	-3.14%	13.59%	13.09%		5.52
JPMJPMorgan Chase & Co.	809.67B	300.30	15.21	14.61%	21.59%	16.11%		2.18
WFCWells Fargo & Company	251.85B	81.44	15.16	8.72%	15.73%	11.51%	1.21%	1.56
BACBank of America Corporation	379.25B	49.83	13.04	-1.91%	16.23%	10.1%	3.33%	1.21

Profit & Loss

	Oct 2016	Oct 2017	Oct 2018	Oct 2019	Oct 2020	Oct 2021	Oct 2022	Oct 2023	Oct 2024	Oct 2025
Net Interest Income+	8.37B	8.98B	10.06B	10.55B	11.04B	11.46B	12.64B	12.82B	13.7B	15.77B
NII Growth %	5.7%	7.3%	12.12%	4.83%	4.67%	3.76%	10.32%	1.46%	6.78%	15.14%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	12.09B	13.59B	17.5B	20.7B	17.52B	14.74B	22.18B	45.02B	52.19B	48.76B
Interest Expense	3.73B	4.62B	7.44B	10.15B	6.48B	3.28B	9.54B	32.19B	38.49B	32.99B
Loan Loss Provision	1.05B	829M	842M	1.29B	2.49B	158M	963M	2.01B	2B	2.34B
Non-Interest Income+	6.07B	6.9B	7.63B	7.92B	7.62B	8.5B	9.12B	10.47B	11.83B	13.24B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	18.16B	20.49B	25.14B	28.61B	25.14B	23.24B	31.3B	55.49B	64.02B	62.01B
Revenue Growth %	5.33%	12.8%	22.68%	13.83%	-12.14%	-7.55%	34.68%	77.28%	15.36%	-3.14%
Non-Interest Expense	8.38B	9.16B	10.15B	10.71B	11.28B	11.48B	12.83B	14.32B	14.36B	15.73B
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	5.01B	5.88B	6.71B	6.47B	4.89B	8.32B	7.97B	6.97B	9.17B	10.94B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	18.68%	17.29%	14.05%	-3.53%	-24.41%	70.18%	-4.19%	-12.54%	31.45%	19.34%
Pretax Income+	5.01B	5.88B	6.71B	6.47B	4.89B	8.32B	7.97B	6.97B	9.17B	10.94B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	718M	1.16B	1.42B	1.35B	1.1B	1.88B	1.73B	1.93B	2.01B	2.48B
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	4.28B	4.7B	5.27B	5.1B	3.79B	6.43B	6.22B	5B	7.12B	8.43B
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	19.55%	9.92%	12.09%	-3.25%	-25.63%	69.63%	-3.25%	-19.6%	42.27%	18.47%
Net Income (Continuing)	4.29B	4.72B	5.28B	5.12B	3.79B	6.45B	6.24B	5.04B	7.15B	8.45B
EPS (Diluted)+	5.35	5.62	5.83	5.60	4.11	6.96	6.68	5.17	7.28	8.57
EPS Growth %	20.77%	5.05%	3.74%	-3.95%	-26.61%	69.34%	-4.02%	-22.6%	40.81%	17.72%
EPS (Basic)	5.36	5.63	5.85	5.61	4.12	6.98	6.70	5.17	7.29	8.62
Diluted Shares Outstanding	791.84M	827.13M	889.25M	890.91M	892.04M	900.37M	905.68M	916.22M	941.71M	940.67M

Balance Sheet

	Oct 2016	Oct 2017	Oct 2018	Oct 2019	Oct 2020	Oct 2021	Oct 2022	Oct 2023	Oct 2024	Oct 2025
Cash & Short Term Investments+	52.43B	55.81B	56.9B	69.63B	126.22B	123.27B	129.43B	124.5B	93.25B	92.81B
Cash & Due from Banks	15.18B	15.65B	20.69B	22.83B	71.67B	69.27B	73.33B	63.17B	56.03B	55.75B
Short Term Investments	37.25B	40.16B	36.21B	46.8B	54.55B	54B	56.1B	61.33B	37.22B	37.06B
Total Investments+	373.45B	424.38B	495.02B	534.73B	592.76B	649.89B	736.63B	778.5B	849.85B	911.89B
Investments Growth %	10.43%	13.64%	16.64%	8.02%	10.85%	9.64%	13.35%	5.68%	9.17%	7.3%
Long-Term Investments	337.89B	385.84B	460.45B	489.85B	538.2B	598.74B	683.6B	717.17B	816.55B	874.83B
Accounts Receivables	1.32B	1.46B	2.16B	2.17B	1.84B	2.13B	3.28B	4.35B	5.45B	5.87B
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	1.54B	5.37B	5.56B	5.45B	5.25B	4.95B	5.35B	5.42B	5.44B	5.47B
Intangible Assets	1.41B	1.98B	1.95B	1.97B	1.96B	2.03B	2.59B	2.74B	2.83B	2.89B
PP&E (Net)	1.9B	1.78B	1.79B	1.81B	3B	3.29B	3.38B	3.25B	3.36B	3.44B
Other Assets	97.33B	106.01B	60.4B	71.65B	88.26B	96.86B	101.43B	111.32B	104.02B	118.96B
Total Current Assets	62.21B	65.17B	67.99B	82.27B	135.77B	134.25B	149.84B	139.04B	108.97B	110.32B
Total Non-Current Assets	439.15B	500.09B	529.11B	569.33B	633.78B	703.43B	793.76B	836.65B	933.02B	1.01T
Total Assets+	501.36B	565.26B	597.1B	651.6B	769.55B	837.68B	943.6B	975.69B	1.04T	1.12T
Asset Growth %	8.21%	12.75%	5.63%	9.13%	18.1%	8.85%	12.64%	3.4%	6.79%	7.19%
Return on Assets (ROA)	0.89%	0.88%	0.91%	0.82%	0.53%	0.8%	0.7%	0.52%	0.71%	0.78%
Accounts Payable	4.14B	4.95B	7.27B	8.44B	8.66B	8.85B	11.23B	13.24B	14.13B	14.03B
Total Debt+	144.58B	167.38B	178.39B	198.03B	218.34B	236.05B	264.63B	281.62B	318.65B	355.82B
Net Debt	129.4B	151.72B	157.7B	175.2B	146.67B	166.78B	191.3B	218.45B	262.62B	300.07B
Long-Term Debt	62.86B	65.29B	77.86B	75.4B	79.89B	87.94B	107.25B	116.84B	125.1B	140.88B
Short-Term Debt	81.72B	102.09B	100.52B	122.63B	136.59B	148.11B	157.38B	164.77B	193.55B	214.95B
Other Liabilities	49.63B	38.71B	38.53B	40.61B	46.65B	51.98B	76.96B	67.64B	56.32B	63.15B
Total Current Liabilities	362.33B	426.35B	441.42B	493.15B	595.01B	651.9B	703.04B	734.62B	797.05B	848.45B
Total Non-Current Liabilities	112.5B	104.02B	116.44B	116.05B	128.43B	139.95B	184.25B	184.53B	181.46B	204.07B
Total Liabilities	477.68B	534.03B	561.98B	613.02B	728.22B	791.85B	893.22B	922.53B	982.98B	1.05T
Total Equity+	23.67B	31.24B	35.12B	38.58B	41.34B	45.83B	50.38B	53.16B	59.01B	64.41B
Equity Growth %	9.84%	31.95%	12.42%	9.86%	7.14%	10.87%	9.93%	5.52%	10.99%	9.16%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	18.91%	17.12%	15.88%	13.83%	9.49%	14.75%	12.93%	9.66%	12.69%	13.66%
Book Value per Share	29.90	37.77	39.49	43.30	46.34	50.90	55.63	58.02	62.66	68.48
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	8.03B	12.55B	13.24B	13.59B	13.91B	14.35B	14.73B	16.08B	17.01B	17.18B
Additional Paid-in Capital	72M	137M	136M	125M	117M	110M	115M	109M	159M	226M
Retained Earnings	13.58B	16.1B	18.54B	20.97B	22.12B	25.79B	28.82B	30.35B	33.47B	36.47B
Accumulated OCI	790M	452M	777M	881M	1.44B	1.07B	1.59B	1.46B	3.15B	8.55B
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	1B	1.8B	2.25B	2.83B	3.58B	4.33B	4.92B	4.92B	4.95B	1.7B

Cash Flow

	Oct 2016	Oct 2017	Oct 2018	Oct 2019	Oct 2020	Oct 2021	Oct 2022	Oct 2023	Oct 2024	Oct 2025
Cash from Operations+	10.21B	2.46B	9.87B	19.09B	60.3B	-3.33B	22.71B	12.15B	11.09B	-23.34B
Operating CF Growth %	-47.59%	-75.94%	301.59%	93.43%	215.91%	-105.53%	781.72%	-46.49%	-8.77%	-310.54%
Net Income	4.29B	4.72B	5.28B	5.1B	3.79B	6.45B	6.24B	5.04B	7.15B	8.45B
Depreciation & Amortization	462M	542M	657M	838M	1.31B	1.02B	1.05B	1.14B	1.17B	1.18B
Deferred Taxes	-20M	21M	69M	108M	-228M	-41M	-46M	-84M	-244M	-257M
Other Non-Cash Items	214M	366M	599M	1.02B	1.72B	995M	-110M	3.75B	135M	-34.84B
Working Capital Changes	5.25B	-3.2B	3.23B	11.99B	53.69B	-11.77B	15.56B	2.3B	2.86B	2.1B
Cash from Investing+	-7.38B	-1.97B	-7.99B	-18.34B	-19.88B	-3.51B	-24.39B	-20.76B	-20.75B	-5.78B
Purchase of Investments	-31.63B	-37.86B	-33.01B	-42.3B	-54.08B	-49.9B	-70.95B	-79.49B	-76.53B	-98.37B
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	-2.52B	-315M	-25M	0	0	-3.08B	0	0	0
Other Investing	0	0	0	0	0	0	0	0	0	0
Cash from Financing+	-2.44B	-501M	-993M	-1.29B	-1.22B	-1.95B	-1.61B	-2.16B	-2.61B	32.87B
Dividends Paid	-1.75B	-1.43B	-2.11B	-2.41B	-2.57B	-2.65B	-2.97B	-2.26B	-2.95B	-3.99B
Share Repurchases	-270M	-7M	-417M	-109M	-234M	-15M	-934M	0	-423M	-3.08B
Stock Issued	101M	194M	192M	158M	177M	284M	229M	183M	312M	162M
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	-1000K	1000K	1000K	1000K	-1000K	1000K	-1000K	1000K	-1000K
Other Financing	0	0	0	0	0	0	0	0	0	37.15B
Net Change in Cash+	447M	-60M	940M	-540M	39.69B	-8.96B	-3.04B	-10.72B	-12.25B	3.81B
Exchange Rate Effect	1000K	-1000K	1000K	1000K	1000K	-1000K	1000K	1000K	1000K	1000K
Cash at Beginning	3.05B	3.5B	3.44B	4.38B	3.84B	43.53B	34.57B	31.54B	20.82B	8.56B
Cash at End	3.5B	3.44B	4.38B	3.84B	43.53B	34.57B	31.54B	20.82B	8.56B	12.38B
Interest Paid	3.8B	4.53B	7.24B	10.01B	6.72B	3.7B	8.31B	29.67B	38.04B	33.98B
Income Taxes Paid	730M	2.2B	1.65B	1.55B	39M	1.37B	2.58B	1.66B	2.51B	3.23B
Free Cash Flow+	10.04B	2.66B	9.61B	18.36B	59.99B	-4.17B	21.61B	11.14B	10B	-24.45B
FCF Growth %	-47.78%	-73.53%	261.63%	91.04%	226.67%	-106.95%	618.01%	-48.44%	-10.24%	-344.56%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	18.91%	17.12%	15.88%	13.83%	9.49%	14.75%	12.93%	9.66%	12.69%	13.66%
Return on Assets (ROA)	0.89%	0.88%	0.91%	0.82%	0.53%	0.8%	0.7%	0.52%	0.71%	0.78%
Net Interest Margin	1.67%	1.59%	1.69%	1.62%	1.44%	1.37%	1.34%	1.31%	1.31%	1.41%
Efficiency Ratio	46.11%	44.73%	40.37%	37.44%	44.88%	49.39%	40.98%	25.8%	22.43%	25.37%
Equity / Assets	4.72%	5.53%	5.88%	5.92%	5.37%	5.47%	5.34%	5.45%	5.66%	5.77%
Book Value / Share	29.9	37.77	39.49	43.3	46.34	50.9	55.63	58.02	62.66	68.48
NII Growth	5.7%	7.3%	12.12%	4.83%	4.67%	3.76%	10.32%	1.46%	6.78%	15.14%
Dividend Payout	41.01%	30.33%	40.04%	47.21%	67.84%	41.2%	47.78%	45.21%	41.42%	47.37%

Canadian Imperial Bank of Commerce (CM) 10-Year Financial Performance & Capital Metrics

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Canadian Imperial Bank of Commerce (CM) 10-Year Financial Performance & Capital Metrics

Key Insights

✓Strengths

✗Weaknesses

Price & Volume

Growth Metrics

Revenue CAGR

Profit (Net Income) CAGR

EPS CAGR

ROCE

Peer Comparison

Compare CM vs Peers

vs JPM

vs BAC

Compare Top 5

Profit & Loss

Balance Sheet

Cash Flow

Banking Ratios

Deep Dive Analysis

Valuation Overview

Total Return Calculator

Dividend History

Earnings History

Price History

Revenue History

Financial Ratios