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Market Price

119.74 

-0.61 -0.5%

as of Aug 15 '18 16:00

52 Week Range:

103.84 124.37


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Canadian Imperial Bank of Commerce, a diversified financial institution, provides various financial products and services to individual, small business, commercial, corporate, and institutional clients in Canada, the United States, and internationally. The company operates through four strategic business units: Canadian Personal and Small Business Banking; Canadian Commercial Banking and Wealth Management; U.S. Commercial Banking and Wealth Management; and Capital Markets. It offers chequing, savings, tax free savings, and business accounts; loans, lines of credit, student lines of credit, and business and agriculture loans; fixed and variable rate, first time home buyer, and commercial mortgages; rapid and franchise financing services; and home power plan solutions. The company also provides prepaid, credit, and commercial cards; and guaranteed investment certificates, investment banking, mutual funds, structured notes, education RESPs, and disability RDSPs, as well as portfolio, business, and investment solutions. In addition, it offers government supported programs; travel and creditor insurance products; specialty services, such as established business, agriculture, and indigenous banking services, as well as banking services for professionals; and custody, corporate trust, and transfer agency services. Further, the company provides student, youth, senior, newcomers, and foreign workers banking offers, as well as banking bundles. Additionally, it offers overdraft protection, switch kit, retirement planning, precious metal purchasing, cash management, merchant, trade finance, correspondent banking, community commitment, asset management, self-directed brokerage, and online foreign exchange services, as well as mobile, online, and ATM services. The company also operates an advice center. Canadian Imperial Bank of Commerce was founded in 1867 and is headquartered in Toronto, Canada.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Oct '07 Oct '08 Oct '09 Oct '10 Oct '11 Oct '12 Oct '13 Oct '14 Oct '15 Oct '16 Oct '17
Equity (BVPS) 33.31
29.41
27.77
31.21
36.41
37.48
40.18
43.01
50.01
54.23
63.82
growth rate -11.7% -5.6% 12.4% 16.7% 2.9% 7.2% 7.0% 16.3% 8.4% 17.7%
Earnings BIT 3,850.00
-4,260.00
1,620.00
4,010.00
4,060.00
4,040.00
4,050.00
3,670.00
4,121.00
5,076.00
growth rate -100.0% 100.0% 147.5% 1.3% -0.5% 0.3% -4.8% 12.3% 23.2%
Avg.PE 11.07
-8.90
20.20
13.32
10.28
10.01
10.46
12.77
10.94
10.54
10.88
growth rate -100.0% 100.0% -34.1% -22.8% -2.6% 4.5% 22.1% -14.3% -3.7% 3.2%
ROA 0.97
-0.63
0.34
0.66
0.82
0.85
0.83
0.77
0.80
0.88
0.87
growth rate -100.0% 100.0% 94.1% 24.2% 3.7% -2.4% -7.2% 3.9% 10.0% -1.1%
ROE 29.62
-19.49
10.52
19.22
21.32
21.34
20.84
18.35
18.61
19.78
17.97
growth rate -100.0% 100.0% 82.7% 10.9% 0.1% -2.3% -12.0% 1.4% 6.3% -9.2%
ROIC 79.58
23.94
12.92
12.45
15.51
16.78
33.31
28.60
growth rate -69.9% -46.0% -3.6% 24.6% 8.2% 98.5% -14.1%
Leverage 30.67
31.60
30.21
27.86
24.25
25.95
24.08
23.59
22.76
22.31
19.33
growth rate 3.0% -4.4% -7.8% -13.0% 7.0% -7.2% -2.0% -3.5% -2.0% -13.4%
Balance Sheet Oct '07 Oct '08 Oct '09 Oct '10 Oct '11 Oct '12 Oct '13 Oct '14 Oct '15 Oct '16 Oct '17
Acct.Receivable 3,063.00
2,325.00
2,223.00
3,295.00
growth rate -24.1% -4.4% 48.2%
Acct.Payable 286,111.00
326,847.00
356,104.00
398,599.00
growth rate 14.2% 9.0% 11.9%
Cur.Assets 135,779.00
143,985.00
148,385.00
152,979.00
growth rate 6.0% 3.1% 3.1%
Total Assets 353,930.00
335,944.00
379,308.00
383,758.00
393,385.00
398,389.00
414,903.00
463,309.00
501,357.00
565,264.00
growth rate -5.1% 12.9% 1.2% 2.5% 1.3% 4.2% 11.7% 8.2% 12.8%
Cash 8,959.00
7,007.00
10,822.00
5,142.00
4,727.00
6,379.00
2,370.00
2,647.00
3,078.00
3,004.00
growth rate -21.8% 54.5% -52.5% -8.1% 35.0% -62.9% 11.7% 16.3% -2.4%
Inventory 22.00
16.00
18.00
21.00
growth rate -27.3% 12.5% 16.7%
Cur.Liabilities 345,957.00
391,340.00
427,358.00
487,591.00
growth rate 13.1% 9.2% 14.1%
Liabilities 340,099.00
321,669.00
364,677.00
367,831.00
376,519.00
380,137.00
396,120.00
441,756.00
477,684.00
534,027.00
growth rate -5.4% 13.4% 0.9% 2.4% 1.0% 4.2% 11.5% 8.1% 11.8%
LT Debt 5,530.00
2,008.00
2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
43,761.00
43,518.00
42,850.00
37,372.00
growth rate -63.7% 0.1% 0.1% 0.1% 0.1% 0.1% 2,073.9% -0.6% -1.5% -12.8%
Equity 13,489.00
13,831.00
14,275.00
14,631.00
15,927.00
16,866.00
18,252.00
17,588.00
20,360.00
22,472.00
29,238.00
growth rate 2.5% 3.2% 2.5% 8.9% 5.9% 8.2% -3.6% 15.8% 10.4% 30.1%
Common Shares 339.00
372.00
382.00
389.00
407.00
404.00
401.00
398.00
398.00
396.00
414.00
growth rate 9.7% 2.7% 1.8% 4.6% -0.7% -0.7% -0.8% 0.0% -0.5% 4.6%
Cash Flow Statement Oct '07 Oct '08 Oct '09 Oct '10 Oct '11 Oct '12 Oct '13 Oct '14 Oct '15 Oct '16 Oct '17
Capital Expenditures 247.00
147.00
272.00
220.00
234.00
309.00
248.00
251.00
256.00
170.00
-156.00
growth rate -40.5% 85.0% -19.1% 6.4% 32.1% -19.7% 1.2% 2.0% -33.6% -100.0%
Cash Dividends 1,183.00
1,404.00
1,490.00
1,519.00
1,556.00
1,598.00
1,622.00
1,654.00
1,753.00
1,753.00
1,425.00
growth rate 18.7% 6.1% 2.0% 2.4% 2.7% 1.5% 2.0% 6.0% 0.0% -18.7%
Cash From OA 4,566.00
434.00
24,935.00
-7,976.00
5,103.00
1,620.00
5,186.00
-26,784.00
-21,027.00
-18,229.00
-15,950.00
growth rate -90.5% 5,645.4% -100.0% 100.0% -68.3% 220.1% -100.0% 0.0% 0.0% 0.0%
FCF per Share 12.73
0.77
72.59
0.63
-4.25
3.24
12.74
-11.71
15.29
28.68
7.34
growth rate -94.0% 9,327.3% -99.1% -100.0% 100.0% 293.2% -100.0% 100.0% 87.6% -74.4%
Sale Purchase of Stock 82.00
29.00
101.00
194.00
growth rate -64.6% 248.3% 92.1%
FCF 4,320.00
285.00
24,663.00
-8,196.00
-1,687.00
1,311.00
4,938.00
-16,822.00
19,227.00
10,041.00
2,457.00
growth rate -93.4% 8,553.7% -100.0% 0.0% 100.0% 276.7% -100.0% 100.0% -47.8% -75.5%
Income Statement Oct '07 Oct '08 Oct '09 Oct '10 Oct '11 Oct '12 Oct '13 Oct '14 Oct '15 Oct '16 Oct '17
Sales 12,070.00
3,714.00
9,928.00
12,085.00
12,435.00
12,549.00
12,783.00
12,426.00
13,085.00
13,984.00
15,451.00
growth rate -69.2% 167.3% 21.7% 2.9% 0.9% 1.9% -2.8% 5.3% 6.9% 10.5%
Op.Income -4,260.00
1,619.00
0.00
3,805.00
4,043.00
4,048.00
3,914.00
4,224.00
5,147.00
5,880.00
growth rate 100.0% -100.0% 6.3% 0.1% -3.3% 7.9% 21.9% 14.2%
IBT -4,260.00
1,619.00
4,012.00
3,805.00
4,043.00
3,914.00
4,224.00
5,013.00
5,880.00
growth rate 100.0% 147.8% -5.2% 6.3% -1.6% 7.9% 18.7% 17.3%
Net Income -2,060.00
1,174.00
0.00
2,867.00
3,331.00
3,403.00
3,218.00
3,576.00
4,275.00
4,699.00
growth rate 100.0% -100.0% 16.2% 2.2% -5.4% 11.1% 19.6% 9.9%
EPS 9.21
-5.89
2.65
5.87
6.71
7.76
8.11
7.86
8.87
10.70
11.24
growth rate -100.0% 100.0% 121.5% 14.3% 15.7% 4.5% -3.1% 12.9% 20.6% 5.1%
Gross Profit 12,426.00
13,085.00
13,984.00
15,451.00
growth rate 5.3% 6.9% 10.5%

Quarterly Statements

Item Name Apr '17 Jul '17 Oct '17 Jan '18 Apr '18
Balance Sheet
Acct.Receivable 3,295.00
growth rate
Acct.Payable 373,732.00
397,750.00
398,599.00
401,854.00
404,725.00
growth rate 6.4% 0.2% 0.8% 0.7%
Cur.Assets 152,976.00
148,835.00
152,979.00
109,495.00
100,006.00
growth rate -2.7% 2.8% -28.4% -8.7%
Total Assets 528,591.00
560,912.00
565,264.00
586,927.00
590,537.00
growth rate 6.1% 0.8% 3.8% 0.6%
Cash 3,150.00
3,787.00
3,004.00
2,904.00
4,719.00
growth rate 20.2% -20.7% -3.3% 62.5%
Inventory 19.00
20.00
21.00
19.00
17.00
growth rate 5.3% 5.0% -9.5% -10.5%
Cur.Liabilities 453,022.00
479,105.00
487,591.00
503,344.00
504,293.00
growth rate 5.8% 1.8% 3.2% 0.2%
Liabilities 502,715.00
530,890.00
534,027.00
554,605.00
556,991.00
growth rate 5.6% 0.6% 3.9% 0.4%
LT Debt 35,536.00
38,178.00
37,372.00
35,220.00
34,919.00
growth rate 7.4% -2.1% -5.8% -0.9%
Equity 24,668.00
28,036.00
29,238.00
29,889.00
31,118.00
growth rate 13.7% 4.3% 2.2% 4.1%
Common Shares 8,509.00
12,197.00
12,548.00
13,070.00
13,166.00
growth rate 43.3% 2.9% 4.2% 0.7%
Cash Flow Statement Apr '17 Jul '17 Oct '17 Jan '18 Apr '18
Capital Expenditures 72.00
26.00
40.00
40.00
45.00
growth rate -63.9% 53.9% 0.0% 12.5%
Cash Dividends 518.00
560.00
395.00
395.00
569.00
growth rate 8.1% -29.5% 0.0% 44.1%
Cash From OA 285.00
-934.00
2,936.00
-4,796.00
4,886.00
growth rate -100.0% 100.0% -100.0% 100.0%
Sale Purchase of Stock 230.00
237.00
72.00
72.00
48.00
growth rate 3.0% -69.6% 0.0% -33.3%
FCF 213.00
-960.00
2,896.00
-4,836.00
4,841.00
growth rate -100.0% 100.0% -100.0% 100.0%
Income Statement Apr '17 Jul '17 Oct '17 Jan '18 Apr '18
Sales 3,519.00
3,895.00
4,040.00
4,306.00
4,164.00
growth rate 10.7% 3.7% 6.6% -3.3%
Op.Income 1,244.00
1,443.00
1,470.00
1,728.00
1,647.00
growth rate 16.0% 1.9% 17.6% -4.7%
IBT 1,244.00
1,443.00
1,470.00
1,728.00
1,647.00
growth rate 16.0% 1.9% 17.6% -4.7%
Net Income 1,045.00
1,093.00
1,159.00
1,323.00
1,313.00
growth rate 4.6% 6.0% 14.2% -0.8%
EPS
growth rate
Gross Profit 3,519.00
3,895.00
4,040.00
4,306.00
4,164.00
growth rate 10.7% 3.7% 6.6% -3.3%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

C (51.22)

YOY Growth Grade:

D (42.38)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 10.81 10.84 9.69
EPS / Growth 6.7% 11.04 7.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 14.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 6.7% 9.2% 9.2%
Future PE 9.69 12.99 12.99
Future EPS 21.20 26.72 26.72
Value Price
MOS %
50.76
-57.6%
85.82
-28.3%
85.82
-28.3%
MOS Price 25.38 42.91 42.91
IRT 8.00 7.35 7.35

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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