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Canadian Imperial Bank of Commerce Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary4 Dec, 2025
Executive summary
Achieved record financial performance in fiscal 2025, with double-digit revenue and earnings growth, strong net client growth, and improved client experience scores across all business lines.
Strategic focus on client connectivity, digital innovation, operational efficiency, and modernization supported outperformance and strong shareholder returns.
Leadership transition completed, with new CEO and executive team emphasizing continuity in strategy and ambition for industry-leading shareholder returns.
Maintained robust capital and liquidity positions, enabling continued investment in growth, technology, and human capital.
Recognized for industry leadership in digital banking, investment banking, sustainability, and client experience.
Financial highlights
Fiscal 2025 net income was $8.5B, up 18% year-over-year; adjusted net income also $8.5B, up from $7.3B; Q4 net income was $2.2B, up 16% year-over-year.
Revenue reached $29.1B for FY2025, up 14% year-over-year; Q4 revenue was $7.6B, up 14% year-over-year.
Adjusted diluted EPS for FY2025 was $8.61, up 16% year-over-year; Q4 adjusted EPS was $2.21, up 16% year-over-year.
Return on equity (ROE) for FY2025 was 14.4%, up 70 bps year-over-year; Q4 ROE was 14.1%.
Efficiency ratio improved to 54.3% for FY2025; Q4 adjusted efficiency ratio was 55.0%.
Outlook and guidance
Targeting ROE above 15% in fiscal 2026, with EPS growth at or above the high end of the 7%-10% medium-term target.
Margins expected to move gradually higher, but at a slower pace than 2025; expense growth to be managed in the mid-single digits for 2026.
Continued positive operating leverage and sustainable value creation through strategic execution.
Impaired provisions expected to stabilize in the mid to low 30 basis point range in 2026.
Management highlights ongoing investment in digital capabilities, sustainable finance, and human capital.
What drove US PCL reversal vs other segments?
Capital Markets revenue drivers: detail offsets
AI strategy: US growth reliance and employment impact?
Future risk appetite for Capital Markets loan growth?
CIBC's ROE: structural advantages or disadvantages?
U.S. segment expense normalization timeline?
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Next Canadian Imperial Bank of Commerce earnings date
Q1 202626 Feb, 2026
Next Canadian Imperial Bank of Commerce earnings date
Q1 202626 Feb, 2026
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Frequently asked questions
A Cornerstone of Canadian Banking: The Canadian Imperial Bank of Commerce
The Canadian Imperial Bank of Commerce (CIBC), part of the 'Big Five' banks in Canada, is a financial institution that offers a comprehensive range of banking and financial services. With a rich history dating back to the mid-19th century, CIBC has firmly established itself as a cornerstone of the Canadian financial landscape and has expanded its operations internationally.
A Time-Honored History
CIBC traces its roots back to 1867 when the Canadian Bank of Commerce was founded. The Imperial Bank of Canada was later established in 1875. These two financial institutions operated independently for nearly a century before they amalgamated in 1961 to form the Canadian Imperial Bank of Commerce. The bank's merger was one of the largest in Canada's history and laid the foundation for CIBC's continued growth and evolution into the bank they are today..
Stronghold in the Canadian Market
Today, CIBC operates as one of Canada's largest banks and serves more than 10 million customers around the globe. It has a robust network of more than 1,000 banking centers and over 3,000 ATMs across Canada. CIBC offers a broad array of financial products and services that include personal and business banking, wealth management, and capital markets. It operates primarily under four strategic business units: Canadian Personal and Small Business Banking, Commercial Banking, Wealth Management, and Capital Markets.
Expansion beyond Canadian Borders
While CIBC's operations are deeply rooted in Canada, the bank has also expanded its services to other parts of the world. CIBC has a strong presence in the United States, the Caribbean, Asia, and the United Kingdom, serving a wide range of clients from individual customers to large corporations. In particular, CIBC's acquisition of PrivateBancorp in 2017 marked a significant step in expanding its footprint in the US, providing new opportunities to offer cross-border financial services. This expansion also means that they now compete for market share with large international banks such as Citi, Capital One, and many others.
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