Revenue distribution by industry:

• Retail banking: approx. 40%
• Business and corporate banking: approx. 30%
• Wealth management: approx. 20%
• Capital markets: approx. 10%

TOP 3 markets and their percentage shares:

• Canada: approx. 60%
• USA: approx. 25%
• International: approx. 15%

The Canadian Imperial Bank of Commerce (CIBC) generates the majority of its revenues from retail banking, followed by business and corporate banking. The Canadian market is the dominant revenue generator, followed by the USA, which has gained significance through strategic expansions and acquisitions. The international market share includes activities in other regions, with a focus on diversification and risk mitigation.

Production: Not applicable

The Canadian Imperial Bank of Commerce (CIBC) is a financial services institution and does not produce physical products. As a bank, it offers a variety of financial services, including account management, lending, asset management, and investment banking.

CIBC's services are mainly offered in Canada, but the bank also has international branches, especially in the USA and other selected markets. The bank is focused on delivering its services through branches, online platforms, and mobile applications.

Growth Strategy: Diversification and Digitalization (2025)

The Canadian Imperial Bank of Commerce (CIBC) is pursuing a strategy that is strongly focused on diversification and digitalization.

CIBC plans to further expand its presence in the USA in order to benefit from the growth opportunities there. This includes both organic growth and strategic acquisitions to expand the existing network and tap into new customer segments.

Another focus is on the digitalization of services. CIBC is investing significantly in technology to enhance its digital platforms and provide customers with a seamless banking experience. This includes the introduction of new digital products and the enhancement of cybersecurity.

Additionally, the bank is focusing on sustainable financing projects to meet the growing demands for Environmental, Social, and Governance (ESG) criteria. This is intended not only to contribute to risk mitigation but also to open up new business opportunities.

Main imported raw materials/materials: Financial services

Countries of origin: USA, Great Britain, China

The Canadian Imperial Bank of Commerce (CIBC) is a financial institution and does not import physical raw materials or materials in the traditional sense. Instead, it sources financial services and technologies needed for its banking services.

The USA and Great Britain are significant partners for financial technologies and services, while China is becoming increasingly relevant in the areas of fintech and digital payment platforms. These international relationships enable CIBC to expand and enhance its services to meet the demands of a global market.

Market share in Canada: 10% (estimated, 2025)
Return on Equity (ROE): 14.5% (2024)
Cost-to-Income Ratio: 58% (2024)

Canadian Imperial Bank of Commerce (CIBC) is one of the leading banks in Canada and benefits from an established market share of around 10%. The bank's competitive advantage stems from its strong presence in the Canadian market, its diversified product range, and its focus on digital innovations.

The Return on Equity of 14.5% indicates that CIBC efficiently utilizes capital to generate profits. This is an indicator of the bank's competitiveness compared to its peers. The Cost-to-Income Ratio of 58% suggests that the bank manages its costs well, giving it an advantage in a competitive market.

In addition, CIBC continuously invests in technology and digital transformation, enhancing its efficiency and improving customer experience. This strengthens its position in the market and provides a sustainable competitive advantage over banks that are less advanced in these areas.

Institutional investor share: approx. 65% (estimated, 2025)

Insider purchases/sales: No significant transactions in the last quarter (estimated, 2025)

The institutional investor share in the Canadian Imperial Bank of Commerce is typically around two-thirds, indicating the trust of large investors in the stability and growth potential of the bank.

There were no significant insider transactions in the last quarter, suggesting that management does not expect drastic changes in the stock value. This can be seen as a sign of stable corporate governance and a positive outlook on future business development.

Market share of the Canadian Imperial Bank of Commerce (CIBC): approx. 10% (estimated for 2025)

Main competitors and their market shares:

1. Royal Bank of Canada (RBC): approx. 20%
2. Toronto-Dominion Bank (TD): approx. 18%
3. Bank of Nova Scotia (Scotiabank): approx. 15%
4. Bank of Montreal (BMO): approx. 12%
5. Canadian Imperial Bank of Commerce (CIBC): approx. 10%
6. National Bank of Canada: approx. 8%
7. HSBC Bank Canada: approx. 5%

Moat of the Canadian Imperial Bank of Commerce (CIBC):

The Canadian Imperial Bank of Commerce has a moderate moat, mainly characterized by its strong presence in the Canadian market and established customer relationships. Its strength lies in specialized financial services and a solid retail banking business.

Compared to larger competitors like the Royal Bank of Canada and the Toronto-Dominion Bank, which have more extensive international networks and diversified business models, CIBC's moat is less pronounced. These banks benefit from greater global reach and a wider range of products, giving them a stronger competitive advantage.

However, CIBC could strengthen its moat through targeted investments in technology and customer service to better compete with rivals. Focus on niche markets and innovative financial products could also help improve its market position.

Revenue growth: 4.5% (2024) Profit growth: 3.2% (2024) Dividend yield: 5.8% (2024)

The Canadian Imperial Bank of Commerce (CIBC) recorded a moderate revenue growth of 4.5% in 2024. This indicates a stable business development, supported by diversified sources of income and a strong market presence.

The profit growth of 3.2% during the same period shows that the bank is able to efficiently manage its costs and remain profitable, despite a challenging economic environment.

A dividend yield of 5.8% makes the stock attractive to investors seeking stable returns. CIBC has a long history of dividend payments, indicating a solid financial foundation and reliable earning power.

Overall, the Canadian Imperial Bank of Commerce stock could be a good investment for investors looking for stable dividends and moderate growth. The bank demonstrates robust financial performance and offers an attractive dividend yield, making it a potentially rewarding investment.

Dividend yield: 5.2% (estimated for 2025)
Dividend history: Continuous payout for several decades

The Canadian Imperial Bank of Commerce (CIBC) is known for its reliable dividend policy. Historically, the bank has continuously distributed dividends to its shareholders over many years.

The estimated dividend yield of 5.2% for the year 2025 indicates that the bank continues to pursue an attractive payout policy. This reliability is supported by the bank's strong capital base and solid earnings power.

Analysts believe that CIBC will continue to be able to pay stable dividends in the future, as it has a diversified business model and a strong market position.