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Upturn AI SWOT - About
CM 
Canadian Imperial Bank Of Commerce (CM)
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Upturn Advisory Summary
04/01/2025: CM (4-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 14.28% | Avg. Invested days 41 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 53.75B USD | Price to earnings Ratio 10.64 | 1Y Target Price 64.9 |
Price to earnings Ratio 10.64 | 1Y Target Price 64.9 | ||
Volume (30-day avg) 1168908 | Beta 1.11 | 52 Weeks Range 44.36 - 65.94 | Updated Date 04/2/2025 |
52 Weeks Range 44.36 - 65.94 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 4.79% | Basic EPS (TTM) 5.35 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 30.64% | Operating Margin (TTM) 42.19% |
Management Effectiveness
Return on Assets (TTM) 0.74% | Return on Equity (TTM) 13.1% |
Valuation
Trailing PE 10.64 | Forward PE 10.14 | Enterprise Value 50000629760 | Price to Sales(TTM) 2.18 |
Enterprise Value 50000629760 | Price to Sales(TTM) 2.18 | ||
Enterprise Value to Revenue 8.05 | Enterprise Value to EBITDA - | Shares Outstanding 940024000 | Shares Floating 939069693 |
Shares Outstanding 940024000 | Shares Floating 939069693 | ||
Percent Insiders 0.02 | Percent Institutions 53.23 |
Analyst Ratings
Rating 3.73 | Target Price 60.07 | Buy 6 | Strong Buy 4 |
Buy 6 | Strong Buy 4 | ||
Hold 3 | Sell 1 | Strong Sell 1 | |
Strong Sell 1 |
Upturn AI SWOT
Canadian Imperial Bank Of Commerce
Company Overview
History and Background
Canadian Imperial Bank of Commerce (CIBC) was formed in 1961 through the merger of the Canadian Bank of Commerce (founded 1867) and the Imperial Bank of Canada (founded 1875). It has grown to become one of Canada's largest banks with a significant presence in North America.
Core Business Areas
- Canadian Personal and Business Banking: Provides a range of financial products and services to individuals and small businesses across Canada, including deposit accounts, loans, mortgages, and credit cards.
- Canadian Commercial Banking and Wealth Management: Offers financial solutions to mid-market companies, wealth management services, and asset management capabilities.
- U.S. Commercial Banking and Wealth Management: Provides commercial banking and wealth management services to clients in the United States through CIBC Bank USA.
- Capital Markets: Offers a full range of investment banking, trading, and corporate banking services to institutional and corporate clients globally.
Leadership and Structure
The CEO is Victor Dodig. The organizational structure consists of various business segments, each headed by senior executives reporting to the CEO. The Board of Directors provides overall governance.
Top Products and Market Share
Key Offerings
- Mortgages: CIBC offers a variety of mortgage products with varying rates and terms. Competitors include Royal Bank of Canada (RY), Toronto-Dominion Bank (TD), and Bank of Nova Scotia (BNS). Market share data is not easily available as it is highly dynamic and localized.
- Credit Cards: CIBC offers various credit cards with rewards, travel benefits, and cashback options. Competitors include American Express (AXP), Capital One (COF), and JPMorgan Chase (JPM). Market share data is not easily available as it is highly dynamic and localized.
- Wealth Management: CIBC provides wealth management services including investment advice, financial planning, and portfolio management. Competitors include Fidelity, Vanguard, and Charles Schwab (SCHW). Assets under management (AUM) are a key metric, but specific market share is hard to pinpoint.
Market Dynamics
Industry Overview
The Canadian banking industry is dominated by a few large players and heavily regulated. The US commercial banking market is more fragmented but still has dominant players. Interest rates, economic growth, and regulatory changes significantly impact profitability.
Positioning
CIBC is positioned as a full-service bank with a focus on relationship banking and wealth management. Its expansion into the U.S. aims to diversify its revenue streams and access a larger market.
Total Addressable Market (TAM)
The TAM for North American banking services is estimated to be in the trillions of dollars. CIBC is positioned to capture a portion of this market through its retail, commercial, and wealth management offerings. Its US expansion is key to capturing a larger slice of the TAM.
Upturn SWOT Analysis
Strengths
- Strong brand recognition in Canada
- Established retail banking network
- Growing wealth management business
- Expansion into the U.S.
- Diversified revenue streams
Weaknesses
- Smaller scale compared to its larger Canadian peers
- Relatively newer presence in the U.S. market
- Exposure to Canadian housing market risks
- Higher reliance on Canadian market
Opportunities
- Further expansion in the U.S.
- Growth in wealth management through digital platforms
- Increased cross-selling of products and services
- Leveraging technology to improve efficiency and customer experience
Threats
- Economic downturn in Canada or the U.S.
- Rising interest rates
- Increased competition from fintech companies
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- RY
- TD
- BNS
- BMO
Competitive Landscape
CIBC is smaller than its main competitors (RY, TD, BNS) but aims to differentiate itself through its focus on client relationships and wealth management. Its U.S. expansion is a key differentiator, but also poses execution risks.
Major Acquisitions
PrivateBancorp
- Year: 2017
- Acquisition Price (USD millions): 5000
- Strategic Rationale: Acquired PrivateBancorp to significantly expand its presence in the U.S. commercial banking market and diversify its revenue streams.
Growth Trajectory and Initiatives
Historical Growth: Historical growth would be shown through revenue and earnings growth rates in numerical arrays.
Future Projections: Future projections would show revenue, earnings, and EPS estimates in numerical arrays.
Recent Initiatives: Recent strategic initiatives include expansion into the US market, investments in digital banking platforms, and partnerships with fintech companies.
Summary
CIBC is a stable Canadian bank with a growing U.S. presence. Its strengths lie in its established brand and wealth management business. However, its smaller size and exposure to the Canadian housing market pose risks. Future success hinges on its ability to execute its U.S. expansion strategy and adapt to evolving regulatory and technological landscapes.
Similar Companies
BMO
Bank of Montreal
BMO
Bank of Montreal
BNS
Bank of Nova Scotia
BNS
Bank of Nova Scotia
RY
Royal Bank of Canada
RY
Royal Bank of Canada
TD
Toronto Dominion Bank
TD
Toronto Dominion Bank
USB
U.S. Bancorp
USB
U.S. Bancorp
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
- Publicly available financial data
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data is dynamic and may change. Investment decisions should be based on individual circumstances and professional advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Canadian Imperial Bank Of Commerce
Exchange NYSE | Headquaters Toronto, ON, Canada | ||
IPO Launch date 1997-11-13 | President, CEO & Director Mr. Victor G. Dodig | ||
Sector Financial Services | Industry Banks - Diversified | Full time employees 48698 | Website https://www.cibc.com |
Full time employees 48698 | Website https://www.cibc.com | ||
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 Canadian Personal and Business Banking; Canadian Commercial Banking and Wealth Management; U.S. Commercial Banking and Wealth Management; Capital Markets and Direct Financial Services; and Corporate and Other segments. It offers checking, savings, agriculture, and business accounts; mortgages; business, car, education, home, and other loans; lines of credit, business lines of credit, and agriculture loans; and cash management, small business financing, and overdraft protection services. The company also provides investment and insurance services; healthcare banking; credit cards; private banking, wealth planning, investment management, and estate planning and trust; and ATMs, as well as mobile, online, and global money and wire transfer services. Canadian Imperial Bank of Commerce was founded in 1867 and is headquartered in Toronto, Canada.
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