CM · NYSE · STOCK
Canadian Imperial Bank of Commerce
$118.90
52W $72.58 – $122.50
65/100
$110.23B
16.3
1.27
Is CM Bullish or Bearish?
Bullish.
Innellis AI committee rates Canadian Imperial Bank of Commerce (CM) Buy with a composite score of 65/100
, based on 6 analysts with 67% agreement.
Last updated August 11, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +10.00 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -10.00 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The primary driver is revenue growing 129.9% yoy -- genuine top-line momentum. The main limiting factor is debt-to-equity of 2.65 adds balance-sheet risk to the value case. The committee is constructive but not yet at full conviction.
Bull & Bear Case
Bull Case
- ROE of 15.2% shows genuine earnings power backing the valuation — Value
- Dividend yield of 2.6% pays you to wait — Value
- Revenue growing 129.9% YoY -- genuine top-line momentum — Growth
- EPS growing 27.5% YoY — Growth
- Price structure making higher highs and higher lows — Technical
- Trend and market structure agree -- coherent bullish picture — Technical
Bear Case
- Debt-to-equity of 2.65 adds balance-sheet risk to the value case — Value
- MACD histogram negative -- bearish momentum — Technical
- High leverage (debt-to-equity 2.65) amplifies downside in a stress scenario — Risk
- No news coverage in the last 14 days -- limited independent confirmation either way — News
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 11, 2026
Overall Committee Score
65/100
Agreement
67%
Analysts
6
Conviction
Moderate
Sector Rank
Top 41%
of 209 Financial Services peers
Value Analyst
neutral
56
/ 100 · High confidence
Fair value -- neither a bargain nor obviously overpriced
+ ROE of 15.2% shows genuine earnings power backing the valuation
− Debt-to-equity of 2.65 adds balance-sheet risk to the value case
Growth Analyst
bullish
85
/ 100 · Moderate confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 129.9% YoY -- genuine top-line momentum
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
Risk Analyst
neutral
50
/ 100 · Moderate confidence
Moderate risk -- no single red flag, but nothing that clearly de-risks the position either
− High leverage (debt-to-equity 2.65) amplifies downside in a stress scenario
Macro Analyst
bullish
78
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst
bullish
60
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
− No news coverage in the last 14 days -- limited independent confirmation either way
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 2 existing position pair(s) are highly correlated already
Technical Analysis
RSI (14)
54.0
Neutral
MACD Histogram
-0.133
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Bollinger %B
0.55
Inside Bands
Price vs Moving Averages
EMA 9
$118.66
Above
EMA 21
$118.02
Above
EMA 50
$115.63
Above
EMA 200
$102.34
Above
Fundamental Analysis
Valuation
94
Profitability
63
Financial Health
0
Cash Flow
70
Valuation
P/E Ratio
16.3×
P/B Ratio
2.31×
PEG Ratio
0.60
Dividend Yield
2.52%
52W High
$122.50
52W Low
$72.58
Quality & Growth
ROE
1314.4%
ROA
75.5%
Gross Margin
5394.7%
Operating Margin
2269.7%
Revenue Growth YoY
—
Debt / Equity
2.76
AI Fundamental Assessment
[reduced confidence: limited earnings history] P/E ratio of 16.3 (inexpensive relative to a 15-40x range); Price-to-book of 2.3x; PEG ratio of 0.6 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 13.1%; Return on assets of 0.8%; Net margin of 18.4%; Gross margin of 53.9%; Current ratio of 0.10 (tight short-term liquidity); Debt-to-equity of 2.76; Free cash flow per share is positive (15.69); Earnings-history trend unavailable; growth based on TTM year-over-year only.
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