CM (Canadian Imperial Bank of Commerce) 3-Year RORE % : 25.57% (As of Apr. 2026)


CM Canadian Imperial Bank of Commerce CM
71 GF Score
Price $113.57
GF Value $75.39
Valuation Significantly Overvalued
! 8 Warning Signs
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What is Canadian Imperial Bank of Commerce 3-Year RORE %?

Canadian Imperial Bank of Commerce CM -0.17% 71 3-Year RORE % is 25.57 as of Apr. 2026. GuruFocus rates CM with a GF Score™ of 71/100 and a GF Value™ of $75.39 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,472 Banks companies, Canadian Imperial Bank of Commerce ranks better than 78.87% on this metric.

Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments. Canadian Imperial Bank of Commerce's 3-Year RORE % for the quarter that ended in Apr. 2026 was 25.57%.

The industry rank for Canadian Imperial Bank of Commerce's 3-Year RORE % or its related term are showing as below:

CM's 3-Year RORE % is ranked better than
78.87% of 1472 companies
in the Banks industry
Industry Median: 9.87 vs CM: 25.57

Canadian Imperial Bank of Commerce  (NYSE:CM) 3-Year RORE % Explanation

Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.

There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.

Be Aware

Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.


Canadian Imperial Bank of Commerce 3-Year RORE % Related Terms


Canadian Imperial Bank of Commerce 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for Canadian Imperial Bank of Commerce's 3-Year RORE % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Canadian Imperial Bank of Commerce 3-Year RORE % Chart

Canadian Imperial Bank of Commerce Annual Data
Trend Oct16 Oct17 Oct18 Oct19 Oct20 Oct21 Oct22 Oct23 Oct24 Oct25
3-Year RORE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 21.27 30.84 -24.22 2.49 31.40

Canadian Imperial Bank of Commerce Quarterly Data
Jul21 Oct21 Jan22 Apr22 Jul22 Oct22 Jan23 Apr23 Jul23 Oct23 Jan24 Apr24 Jul24 Oct24 Jan25 Apr25 Jul25 Oct25 Jan26 Apr26
3-Year RORE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 27.11 34.09 31.40 22.56 25.57

CM vs JPM, BAC, WFC: 3-Year RORE % Comparison

For the Banks - Diversified subindustry, Canadian Imperial Bank of Commerce's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Canadian Imperial Bank of Commerce 3-Year RORE % vs Banks Industry

For the Banks industry and Financial Services sector, Canadian Imperial Bank of Commerce's 3-Year RORE % distribution charts can be found below:

* The bar in red indicates where Canadian Imperial Bank of Commerce's 3-Year RORE % falls into.


CM
71GF Score
Canadian Imperial Bank of Commerce CM
3-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Canadian Imperial Bank of Commerce 3-Year RORE % Calculation

Canadian Imperial Bank of Commerce's 3-Year RORE % for the quarter that ended in Apr. 2026 is calculated as:

3-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 3-year -Cumulative Dividends per Share for 3-year )
=( 7.313-4.857 )/( 17.859-8.255 )
=2.456/9.604
=25.57 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Apr. 2026 and 3-year before.

Frequently Asked Questions Learn more about 3-Year RORE % →
What does a 3-Year RORE % of 25.57 mean?
Canadian Imperial Bank of Commerce (CM) has a 3-Year RORE % of 25.57 as of Apr. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Canadian Imperial Bank of Commerce and its competitors. According to the industry distribution chart, Canadian Imperial Bank of Commerce ranks #311 out of 1472 companies in the Banks industry, placing it in the top 21.1%.
Is Canadian Imperial Bank of Commerce's 3-Year RORE % too high?
Canadian Imperial Bank of Commerce's current 3-Year RORE % is 25.57. The Banks industry median 3-Year RORE % is 9.87. Canadian Imperial Bank of Commerce's value of 25.57 is 159.1% above this industry median. Based on the distribution chart, Canadian Imperial Bank of Commerce ranks #311 out of 1472 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Canadian Imperial Bank of Commerce has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Canadian Imperial Bank of Commerce's 3-Year RORE % compare to JPM and BAC?
According to the Banks industry distribution chart, Canadian Imperial Bank of Commerce ranks #311 out of 1472 companies for 3-Year RORE %. This places Canadian Imperial Bank of Commerce in the top 21% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 9.87. Canadian Imperial Bank of Commerce's value of 25.57 is 159.1% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.87, based on 1,472 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Canadian Imperial Bank of Commerce's current 3-Year RORE % of 25.57 is 159.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Canadian Imperial Bank of Commerce and its competitors. For the Banks industry, the median 3-Year RORE % is 9.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Canadian Imperial Bank of Commerce's current 3-Year RORE % is 25.57. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Canadian Imperial Bank of Commerce stock overvalued right now?
Based on GuruFocus' analysis, Canadian Imperial Bank of Commerce (CM) is currently considered Significantly Overvalued. The stock's GF Value™ is $75.39, compared to a current price of $113.57 — trading 50.6% above its estimated fair value. The current 3-Year RORE % is 25.57 and 159.1% above the Banks industry median of 9.87. Canadian Imperial Bank of Commerce's overall GF Score™ is 71/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Canadian Imperial Bank of Commerce (CM), the current 3-Year RORE % is 25.57 as of Apr. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

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

Based on GuruFocus' analysis, Canadian Imperial Bank of Commerce stock appears to be overvalued. The current stock price of $113.57 is trading 50.6% above its estimated GF Value™ of $75.39. GuruFocus considers Canadian Imperial Bank of Commerce to be Significantly Overvalued.

Key valuation signals for CM:

  • 3-Year RORE %: 25.57
  • GF Value™: $75.39 vs. price of $113.57 (50.6% above fair value)
  • GF Score™: 71/100 with 8 warning signs
  • Industry Position: 159.1% above the Banks median (#311 of 1472)

No single metric tells the full story. See the CM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Canadian Imperial Bank of Commerce Business Description

Address 81 Bay Street, CIBC Square, Toronto, ON, CAN, M5J 0E7
Canadian Imperial Bank of Commerce is Canada's fifth-largest bank with over CAD 1.1 trillion in assets at the end of fiscal 2025. It operates four business segments: Canadian retail and business banking, Canadian commercial banking and wealth management, US commercial banking and wealth management, and capital markets. It serves approximately 14 million personal banking and business customers, primarily in Canada and the US.
71GF Score

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3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$113.57
Price
$75.39
GF Value