Comerica Incorporated
NYSE•CMA
CEO: Mr. Curtis Chatman Farmer
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 1980-03-17
Comerica Incorporated, through its subsidiaries, provides various financial products and services. The company operates through Commercial Bank, Retail Bank, Wealth Management, and Finance segments. The Commercial Bank segment offers various products and services, including commercial loans and lines of credit, deposits, cash management, payment solutions, card services, capital market products, international trade finance, letters of credit, foreign exchange management services, and loan syndication services for small and middle market businesses, multinational corporations, and governmental entities. The Retail Bank segment provides personal financial services, such as consumer lending, consumer deposit gathering, and mortgage loan origination; and various consumer products that include deposit accounts, installment loans, credit cards, student loans, home equity lines of credit, and residential mortgage loans. The Wealth Management segment offers products and services comprising financial planning, trust and fiduciary services, investment management and advisory, brokerage, private banking, and business transition planning services for affluents, high-net worth and ultra-high-net-worth individuals and families, business owners, and executives, and institutional clients. The Finance segment comprises securities portfolio, and asset and liability management activities. It operates in Texas, California, Michigan, Arizona, and Florida, the United States; and Canada and Mexico. The company was formerly known as DETROITBANK Corporation and changed its name to Comerica Incorporated in July 1982. Comerica Incorporated was founded in 1849 and is headquartered in Dallas, Texas.
Contact Information
Comerica Bank Tower, 1717 Main Street, Dallas, TX, 75201-6404, United States
833-571-0486
Market Cap
$11.35B
P/E (TTM)
16.2
13
Dividend Yield
3.2%
52W High
$99.41
52W Low
$48.12
52W Range
Rank46Top 59.5%
3.5
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 3.5 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025
Financial Dashboard
Q4 2025 Data
Revenue
$1.21B-0.99%
4-Quarter Trend
EPS
$1.28+4.06%
4-Quarter Trend
FCF
$0.00-100.00%
4-Quarter Trend
2025 Q3 Earnings Highlights
Key Highlights
Nine Month Net Interest Income Rises NII increased $109M to $1.72B for nine months; NIM improved 32 basis points to 3.14% driven by lower funding costs.
Net Income and EPS Increased Nine-month net income rose $19M to $547M; diluted EPS grew to $4.01 from $3.80 year-over-year comparison.
Strong Capital Ratios Maintained Estimated CET1 ratio remained strong at 11.90% compared to 11.89% year-end; Tangible Common Equity Ratio improved to 8.34%.
Nonperforming Assets Decline Total nonperforming assets decreased $48M to $260M year-end; allowance coverage remained stable at 1.43% of total loans.
Risk Factors
Merger Integration Risks High Pending Fifth Third merger introduces substantial integration costs, potential delays, and uncertainty regarding realizing expected synergies post-closing.
Economic Forecasts Show Headwinds CECL forecasts reflect slowing GDP growth, persistent inflation uncertainty, and potential downside risks from trade conflicts impacting credit quality.
Deposit Base Contraction Total deposits decreased $1.2B sequentially to $62.6B; short-term borrowings increased $965M to manage funding needs.
Sensitivity to Rate Changes Economic Value of Equity shows sensitivity, with a 100 basis point rise causing an estimated $302M negative impact on EVE.
Outlook
Merger Closing Anticipated All-stock merger with Fifth Third is anticipated to close at the end of Q1 2026, subject to regulatory and shareholder approvals.
Stable Credit Loss Outlook Allowance for credit losses is stable, reflecting slightly improved economic forecasts but continued management overlay for forecast uncertainty.
Capital Deployment Focus Corporation targets CET1 ratio near 10%; repurchased $302M in common stock during the nine months ended September 30, 2025.
Direct Express Contract Impact Loss of Direct Express contract may materially impact financial statements due to loss of $3.7B in noninterest-bearing deposits.
Peer Comparison
Revenue (TTM)
$11.28B
$9.76B
$5.53B
Gross Margin (Latest Quarter)
100.0%
98.8%
81.6%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| CFG | $26.60B | 13.5 | 7.6% | 5.4% |
| WBS | $11.63B | 11.2 | 10.8% | 6.6% |
| FHN | $11.50B | 11.3 | 11.4% | 15.8% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
0.8%
Moderate Growth
4Q Net Income CAGR
0.8%
Profitability Slowly Improving
Cash Flow Stability
50%
Cash Flow Needs Attention
Deep Research
Next earnings:Jul 21, 2026
EPS:-
|Revenue:-
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement | LTM |
|---|
No Data