Canadian Imperial Bank of Commerce (CM) Fair Value 2026

CM · Banks - Diversified ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.6 /10

32 fundamental signals · 5 models active

Value Trap Risk

SAFE (0/100)

Quick Summary — As of 2026-08-27, Canadian Imperial Bank of Commerce (CM) trades at $114.84, versus a $93.09 median fair value across its 5 active models — 18.9% below the current price. QOC: 8.6/10. Value Trap Risk: 0/100 (SAFE). 5/13 models active.

Key Facts

Ticker
CM
Price
$114.84
Quality Score
8.6/10
Value Trap Risk
0/100
Models Active
5/13
Last Updated
Strength: Quality Score of 8.6/10 indicates strong fundamentals
Risk: Majority of models suggest overvaluation

Is Canadian Imperial Bank of Commerce (CM) Undervalued or Overvalued in 2026?

According to CirclFi’s 5-model valuation engine, Canadian Imperial Bank of Commerce (CM) appears overvalued as of : the median of 5 independent fair value estimates is $93.09, 18.9% below the current price of $114.84. Estimates range from $41.88 to $200.41. CM scores 8.6/10 on fundamental quality and 0/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. CM’s -18.9% gap is narrower than that market norm, and the Banks - Diversified sector median is -8.1%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Canadian Imperial Bank of Commerce Stock in 2026? →

What Fair Value Does Each Model Give CM?

5 Intrinsic Value Models vs. Current Price ($114.84)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $41.88 -63.5%
Ensemble · Low Conviction
 $93.09 -18.9%
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What Is CM's Fair Value Range?

Spread across 5 independent models · $41.88 to $200.41

CirclFi's 5 active models place Canadian Imperial Bank of Commerce (CM) between $41.88 and $200.41 per share, a spread of 170% of the median. The median of that range — $93.09 — is the fair value CirclFi publishes for CM, against a current price of $114.84.

Low · EPVHigh · Regime Cross
$41.88median $93.09$200.41
Where the range comes from
Most bearish modelEarnings Power Value (EPV)$41.88
Most bullish modelRegime Cross-Sectional$200.41
Model agreement2 bullish · 3 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for CM. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on CM, not a CirclFi price target. How each model works →

What Is Canadian Imperial Bank of Commerce (CM) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Canadian Imperial Bank of Commerce's intrinsic value is estimated at a median fair value of $93.09. Trading at $114.84, the stock is approaching fair value or slight overvaluation (implied return of -18.9%), as 3 of 5 models suggest limited further upside. The most optimistic model, Regime Cross, places fair value at $200.41 (+74.5%), while EPV — the most conservative — estimates $41.88 (-63.5%). This +138.0% gap reflects genuine analytical uncertainty about Canadian Imperial Bank of Commerce's intrinsic worth.

What Do the Models Say About CM?

5 of 13 models are currently active for CM. Of these, 2 models suggest upside while 3 models suggest overvaluation. Taken together, their median fair value for CM is $93.09 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does CM Rank in Banks - Diversified?

Among 20 Banks - Diversified stocks, CM ranks #2 by Quality of Company score. CirclFi's QOC score of 8.6/10 evaluates 32 fundamental signals. A score of 8.6 places CM in the top tier.

The Banks - Diversified sector introduces analytical considerations specific to banking businesses. For Canadian Imperial Bank of Commerce, metrics like return on tangible equity provide important context that general-purpose valuation models may underweight.

Is CM a Value Trap?

CirclFi's Value Trap algorithm assigns CM a score of 0/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

5 of 13 models are active for Canadian Imperial Bank of Commerce. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Deep Alpha Valuation Engine, Canadian Imperial Bank of Commerce scores 8.6 out of 10 on our 32-signal quality assessment, a strong rating that demonstrates strong fundamentals across the majority of our quality signals. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.

The gap between the most bullish and bearish model spans +138.0% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every CM valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across CM's 5 active models, average confidence is 36%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Canadian Imperial Bank of Commerce Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Diversified Stocks Should You Also Analyze?

9 related Banks - Diversified stocks with 13-model coverage

BBVABanco Bilbao Vizcaya Argentaria, S.A.QOC 8.9NTBThe Bank of N.T. Butterfield & Son LimitedQOC 8.5HSBCHSBC Holdings plcQOC 2.6RYRoyal Bank of CanadaQOC 8.4UBSUBS Group AGQOC 2.9BMOBank of MontrealQOC 8.3BCSBarclays PLCQOC 8.2CCitigroup Inc.QOC 7.5SMFGSumitomo Mitsui Financial Group, Inc.QOC 6.6

Read investment analysis: BBVA · NTB · HSBC · RY · UBS · BMO · BCS · C · SMFG

Which Other Stocks Have a Similar Quality Score to CM?

7 companies across all industries closest to CM’s Quality of Company score of 8.6/10.

SOTKSono-Tek CorporationQOC 8.6SXIStandex International CorporationQOC 8.6FNFabrinetQOC 8.6USCBUSCB Financial Holdings, Inc.QOC 8.6FMCBFarmers & Merchants BancorpQOC 8.6RSGRepublic Services, Inc.QOC 8.6NVDANVIDIA CorporationQOC 10.0

Read investment analysis: SOTK · SXI · FN · USCB · FMCB · RSG · NVDA

What Else Do Investors Ask About Canadian Imperial Bank of Commerce’s Valuation?

What is Canadian Imperial Bank of Commerce's intrinsic value in 2026?

CirclFi puts Canadian Imperial Bank of Commerce (CM)'s intrinsic value at $93.09 — the median of 5 independent model estimates as of 2026-08-27, ranging from $41.88 to $200.41. The Quality of Company score is 8.6/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is CM overvalued or undervalued right now?

At $114.84, 2 of 5 active models suggest CM may be undervalued, while 3 indicate potential overvaluation. The median of all 5 fair value estimates is $93.09, 18.9% below the current price of $114.84 — a consensus view that CM is overvalued. The assessment depends on which methodology best fits Canadian Imperial Bank of Commerce's business model in Banks - Diversified.

What does a Quality of Company score of 8.6 mean for CM?

Canadian Imperial Bank of Commerce's QOC of 8.6/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on CM?

CirclFi analyzes CM with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 5 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on CM?

Of the 5 models currently active on CM, Regime Cross-Sectional is the most bullish at $200.41 per share, and Earnings Power Value (EPV) is the most bearish at $41.88. CirclFi's published fair value for CM is the median of that range, $93.09, not either extreme. The gap between the two ends equals 170% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is CM a value trap in 2026?

Canadian Imperial Bank of Commerce's Value Trap score is 0/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 5-model valuation engine, Canadian Imperial Bank of Commerce (CM) has a median fair value of $93.09 — 18.9% below the current price of $114.84 — as of 2026-08-27.” Source: circlfi.com/stock/CM/ · Methodology
Primary sources for this CM valuation
  • Financial statements: Canadian Imperial Bank of Commerce 10-K and 10-Q filings on SEC EDGAR (CIK 0001045520) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for CM as of ; valuations recomputed .

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