CIBC Highlights from Q1 2025 Earnings

March 3, 2025
CIBC Highlights from Q1 2025 Earnings

πŸ“Š CIBC ($CM.TO) Q1 2025 Earnings Report

CIBC beats expectations for the 6th straight quarter! πŸš€ Strong YoY income growth across all segments.

πŸ”Ή Income Growth

  • Adjusted Earnings: $2.20/share (vs. $1.97 expected)
  • Net Income: $2.2B (+26% YoY, +15% QoQ) – All-time high, driven by Capital Markets (+19% YoY).
  • Biggest Performance Improvement:
    • U.S. Commercial Banking & Wealth Management
    • Q1 2024: -$8M loss β†’ Q1 2025: $256M profit

πŸ”Ή Credit & Loan Performance

  • Provisions for Credit Losses (PCL): $573M (-2.1% YoY, +37% QoQ)
  • Allowance for Credit Losses (ACL): $4.4B (+4.6% YoY) – Highest ever
  • Net Write-Offs: $352M (-21% YoY, -15% QoQ)

πŸ”Ή Other Info (February 28, 2025 Intraday)

  • Dividend Yield: 4.5%
  • P/E (TTM): 11.2
  • Market Cap: $81.2B

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