CM · NYSE · STOCK
Canadian Imperial Bank of Commerce (CM) Stock Analysis
$109.19
52W $79.32 – $124.86
59/100
$101.19B
14.8
1.24
Is CM Bullish or Bearish?
Bullish.
Innellis AI committee rates Canadian Imperial Bank of Commerce (CM) Buy with a composite score of 59/100
, based on 6 analysts with 67% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +16.01 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 — -3.99 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 committee is genuinely divided. Growth Analyst sees a compelling case — revenue growing 129.9% yoy -- genuine top-line momentum. Risk Analyst remains cautious — high leverage (debt-to-equity 2.65) amplifies downside in a stress scenario. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 13.8 is inexpensive for the broad market — Value
- ROE of 15.4% shows genuine earnings power backing the valuation — Value
- Dividend yield of 6.5% pays you to wait — Value
- Revenue growing 129.9% YoY -- genuine top-line momentum — Growth
- EPS growing 26.8% YoY — Growth
- 5 consecutive earnings beats -- consistent execution — Growth
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
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 October 10, 2026
Overall Committee Score
59/100
Agreement
67%
Analysts
6
Conviction
Contested
Sector Rank
Top 52%
of 211 Financial Services peers
Value Analyst
bullish
61
/ 100 · High confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 13.8 is inexpensive for the broad market
− Debt-to-equity of 2.65 adds balance-sheet risk to the value case
Growth Analyst
bullish
84
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 129.9% YoY -- genuine top-line momentum
Technical Analyst
neutral
48
/ 100 · High confidence
Mixed or range-bound price action
− MACD histogram negative -- bearish momentum
Risk Analyst
bearish
30
/ 100 · Low confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− High leverage (debt-to-equity 2.65) amplifies downside in a stress scenario
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
66
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.25 across 12 articles, 14d)
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 59.3 to 59.0.
- Bullish support removed: 2 signal(s) disappeared.
- New bullish signals: 2 appeared.
Analyst-level changes:
- News Analyst: +1 bullish signal(s).
- Value Analyst: +1 bullish signal(s).
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
39.2
Neutral
MACD Histogram
-0.233
Bearish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Hh Hl
Support
$105.92
Resistance
$117.05
Bollinger %B
0.19
Inside Bands
Price vs Moving Averages
EMA 9
$110.10
Below
EMA 21
$111.80
Below
EMA 50
$113.69
Below
EMA 200
$106.47
Above
Fundamental Analysis
Valuation
97
Growth
89
Profitability
56
Financial Health
0
Cash Flow
70
Valuation
P/E Ratio
14.8×
P/B Ratio
2.11×
PEG Ratio
0.57
Dividend Yield
2.75%
52W High
$124.86
52W Low
$79.32
Quality & Growth
ROE
1314.4%
ROA
75.5%
Gross Margin
4752.5%
Operating Margin
2009.9%
Revenue Growth YoY
—
Debt / Equity
2.65
AI Fundamental Assessment
P/E ratio of 14.8 (inexpensive relative to a 15-40x range); Price-to-book of 2.1x; 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 16.1%; Gross margin of 47.5%; Current ratio of 0.10 (tight short-term liquidity); Debt-to-equity of 2.65; Free cash flow per share is positive (12.03); Most recent quarter beat estimates by 4.7%; 5 consecutive earnings beats; EPS growth accelerating (-8.0% -> +7.5% QoQ); Average YoY EPS growth of 26.4%; Analyst estimates rising over recent quarters
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