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Comerica Incorporated(CMA)Earnings, Financials & Key Ratios
CMA•NYSE•Banking & Credit
$88.67
$11.35B mkt cap·16.8× P/E·Price updated Apr 24, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutComerica Incorporated, through its subsidiaries, provides various financial products and services. It 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, 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. This segment also offers various consumer products that include deposit accounts, installment loans, credit cards, student loans, home equity lines of credit, and residential mortgage loans, as well as commercial products and services to micro-businesses. The Wealth Management segment provides products and services comprising fiduciary, private banking, retirement, investment management and advisory, and investment banking and brokerage services. This segment also sells annuity products, as well as life, disability, and long-term care insurance products. The Finance segment engages in the securities portfolio, and asset and liability management activities. It operates in Texas, California, Michigan, Arizona, Florida, 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.Show more
- Net Interest Income$2.3B+5.1%
- Total Revenue$4.8B-3.9%
- Net Income$723M+3.6%
- Return on Equity10.15%-5.9%
- Net Interest Margin2.87%+4.0%
- Efficiency Ratio49%+6.0%
- ROA0.91%+7.3%
- Equity / Assets9.62%+16.6%
- Book Value per Share57.95+18.7%
- Tangible BV/Share57.95+36.1%
- Debt/Equity0.70-31.0%
CMA Key Insights
Comerica Incorporated (CMA) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Efficient operations: 49.0% efficiency ratio
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
CMA Price & Volume
Comerica Incorporated (CMA) stock price & volume — 10-year historical chart
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CMA Growth Metrics
Comerica Incorporated (CMA) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years5.46%
5 Years9.17%
3 Years8.66%
TTM-
Profit CAGR
10 Years3.33%
5 Years7.78%
3 Years-14.36%
TTM3.58%
EPS CAGR
10 Years6.42%
5 Years8.99%
3 Years-14.42%
TTM5.17%
Return on Capital
10 Years9.67%
5 Years10.61%
3 Years7.58%
Last Year4.98%
CMA Recent Earnings
Comerica Incorporated (CMA) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 6/12 qtrs (50%)
Q1 2026Latest
Jan 20, 2026EPS
$1.27
Est $1.28
-0.8%
Revenue
$850M
Est $849M
+0.1%
Q4 2025
Oct 17, 2025EPS
$1.35
Est $1.31
+3.1%
Revenue
$838M
Est $843M
-0.6%
Q3 2025
Jul 18, 2025EPS
$1.42
Est $1.25
+13.6%
Revenue
$849M
Est $844M
+0.6%
Q2 2025
Apr 21, 2025EPS
$1.25
Est $1.16
+7.8%
Revenue
$829M
Est $831M
-0.3%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q1 2026Latest | Jan 20, 2026 | $1.27vs $1.28-0.8% | $850Mvs $849M+0.1% |
| Q4 2025 | Oct 17, 2025 | $1.35vs $1.31+3.1% | $838Mvs $843M-0.6% |
| Q3 2025 | Jul 18, 2025 | $1.42vs $1.25+13.6% | $849Mvs $844M+0.6% |
| Q2 2025 | Apr 21, 2025 | $1.25vs $1.16+7.8% | $829Mvs $831M-0.3% |
Based on last 12 quarters of dataView full earnings history →
CMA Peer Comparison
Comerica Incorporated (CMA) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 ZION | 9.46B | 63.96 | 12.92 | 7.98% | 12.41% | 0.71 | ||
 CFG | 28.31B | 65.62 | 21.66 | 1.31% | 6.6% | 0.51 | ||
 HBAN | 26.34B | 16.64 | 11.97 | 4.38% | 10.04% | 0.76 | ||
 RF | 24.49B | 28.21 | 12.32 | 2.51% | 11.29% | 0.26 | ||
 KEY | 24.51B | 22.23 | 14.63 | 23.56% | 8.97% | 0.54 | ||
 FHN | 12.16B | 25.07 | 13.34 | 0.97% | 10.74% | 0.50 | ||
 MTB | 33.42B | 217.42 | 14.85 | 7.18% | 9.65% | 0.47 | ||
 FITB | 34.06B | 50.84 | 16.19 | 5.62% | 11.43% | 0.97 |
Compare CMA vs Peers
Comerica Incorporated (CMA) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CMA Income Statement
Comerica Incorporated (CMA) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 2.06B | 2.35B | 2.34B | 1.91B | 1.84B | 2.47B | 2.51B | 2.19B | 2.3B |
| NII Growth % | 14.69% | 14.12% | -0.55% | -18.3% | -3.51% | 33.73% | 1.95% | -12.89% | 5.07% |
| Net Interest Margin % | 2.88% | 3.32% | 3.19% | 2.17% | 1.95% | 2.89% | 2.93% | 2.76% | 2.87% |
| Interest Income | 2.18B | 2.62B | 2.81B | 2.09B | 1.9B | 2.67B | 4.17B | 3.94B | 3.73B |
| Interest Expense | 121M | 267M | 468M | 182M | 57M | 206M | 1.66B | 1.75B | 1.43B |
| Loan Loss Provision | 74M | -1M | 74M | 537M | -384M | 60M | 89M | 49M | 100M |
| Non-Interest Income | 1.11B | 976M | 1B | 1B | 1.12B | 1.07B | 1.08B | 1.05B | 1.06B |
| Non-Interest Income % | 33.66% | 27.15% | 26.34% | 32.35% | 37.14% | 28.56% | 20.52% | 21.11% | 22.2% |
| Total Revenue | 3.29B▲ 0% | 3.6B▲ 9.3% | 3.81B▲ 6.0% | 3.09B▼ 18.8% | 3.02B▼ 2.3% | 3.74B▲ 23.7% | 5.25B▲ 40.5% | 4.99B▼ 4.9% | 4.8B▼ 3.9% |
| Revenue Growth % | 11.11% | 9.3% | 6.01% | -18.81% | -2.26% | 23.68% | 40.45% | -4.95% | -3.91% |
| Non-Interest Expense | 1.86B | 1.79B | 1.73B | 1.75B | 1.86B | 2B | 2.36B | 2.31B | 2.35B |
| Efficiency Ratio | 56.55% | 49.9% | 45.42% | 56.69% | 61.54% | 53.42% | 44.91% | 46.2% | 49% |
| Operating Income | 1.23B▲ 0% | 1.53B▲ 24.4% | 1.54B▲ 0.2% | 621M▼ 59.6% | 1.49B▲ 139.9% | 1.48B▼ 0.9% | 1.14B▼ 22.5% | 888M▼ 22.4% | 915M▲ 3.0% |
| Operating Margin % | 37.52% | 42.7% | 40.36% | 20.07% | 49.27% | 39.47% | 21.78% | 17.78% | 19.07% |
| Operating Income Growth % | 84.18% | 24.39% | 0.2% | -59.62% | 139.94% | -0.94% | -22.49% | -22.38% | 3.04% |
| Pretax Income | 1.23B▲ 0% | 1.53B▲ 24.4% | 1.54B▲ 0.2% | 621M▼ 59.6% | 1.49B▲ 139.9% | 1.48B▼ 0.9% | 1.14B▼ 22.5% | 888M▼ 22.4% | 915M▲ 3.0% |
| Pretax Margin % | 37.52% | 42.7% | 40.36% | 20.07% | 49.27% | 39.47% | 21.78% | 17.78% | 19.07% |
| Income Tax | 491M | 300M | 336M | 124M | 322M | 325M | 263M | 190M | 192M |
| Effective Tax Rate % | 39.79% | 19.54% | 21.85% | 19.97% | 21.61% | 22.02% | 22.99% | 21.4% | 20.98% |
| Net Income | 743M▲ 0% | 1.24B▲ 66.2% | 1.2B▼ 2.7% | 497M▼ 58.7% | 1.17B▲ 135.0% | 1.15B▼ 1.5% | 881M▼ 23.5% | 698M▼ 20.8% | 723M▲ 3.6% |
| Net Margin % | 22.59% | 34.35% | 31.54% | 16.06% | 38.62% | 30.78% | 16.77% | 13.98% | 15.07% |
| Net Income Growth % | 55.77% | 66.22% | -2.67% | -58.65% | 135.01% | -1.46% | -23.46% | -20.77% | 3.58% |
| Net Income (Continuing) | 743M | 1.24B | 1.2B | 497M | 1.17B | 1.15B | 881M | 698M | 723M |
| EPS (Diluted) | 4.14▲ 0% | 7.22▲ 74.4% | 7.89▲ 9.3% | 3.44▼ 56.4% | 8.32▲ 141.9% | 8.44▲ 1.4% | 6.42▼ 23.9% | 5.02▼ 21.8% | 5.29▲ 5.4% |
| EPS Growth % | 53.9% | 74.4% | 9.28% | -56.4% | 141.86% | 1.44% | -23.93% | -21.81% | 5.38% |
| EPS (Basic) | 4.23 | 7.31 | 7.94 | 3.47 | 8.44 | 8.56 | 6.47 | 5.06 | 5.32 |
| Diluted Shares Outstanding | 178M | 171M | 151M | 140M | 137M | 133M | 133M | 134M | 133M |
CMA Balance Sheet
Comerica Incorporated (CMA) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 16.88B | 16.74B | 18.37B | 30.97B | 39.86B | 25.45B | 26.77B | 14.18B | 15.78B |
| Cash & Due from Banks | 5.84B | 4.56B | 5.82B | 15.77B | 22.68B | 6.28B | 9.5B | 6.8B | 866M |
| Short Term Investments | 11.03B | 12.18B | 12.55B | 15.2B | 17.18B | 19.17B | 17.27B | 7.38B | 14.91B |
| Total Investments | 60.3B | 61.17B | 61.7B | 65.96B | 65.25B | 71.21B | 67.9B | 56.52B | 41.76B |
| Investments Growth % | 0.09% | 1.43% | 0.87% | 6.9% | -1.08% | 9.14% | -4.65% | -16.76% | -26.11% |
| Long-Term Investments | 49.27B | 48.99B | 49.15B | 50.76B | 48.06B | 52.04B | 50.63B | 49.14B | 26.85B |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 641M | 639M | 637M | 636M | 635M | 635M | 696M | 837M | 0 |
| Goodwill | 635M | 635M | 635M | 635M | 635M | 635M | 635M | 635M | 0 |
| Intangible Assets | 6M | 4M | 2M | 1M | 0 | 0 | 61M | 202M | 0 |
| PP&E (Net) | 466M | 475M | 457M | 459M | 454M | 400M | 445M | 473M | 426M |
| Other Assets | 3.56B | 3.17B | 4.21B | 4.72B | 4.97B | 6.13B | 6.5B | 13.96B | 36.27B |
| Total Current Assets | 17.34B | 17.24B | 18.96B | 31.55B | 40.5B | 26.2B | 27.57B | 14.89B | 16.53B |
| Total Non-Current Assets | 54.23B | 53.58B | 54.45B | 56.58B | 54.12B | 59.2B | 58.27B | 64.41B | 63.54B |
| Total Assets | 71.57B▲ 0% | 70.82B▼ 1.0% | 73.4B▲ 3.6% | 88.13B▲ 20.1% | 94.62B▲ 7.4% | 85.41B▼ 9.7% | 85.83B▲ 0.5% | 79.3B▼ 7.6% | 80.07B▲ 1.0% |
| Asset Growth % | -1.93% | -1.05% | 3.65% | 20.06% | 7.36% | -9.73% | 0.5% | -7.62% | 0.98% |
| Return on Assets (ROA) | 1.03% | 1.73% | 1.67% | 0.62% | 1.28% | 1.28% | 1.03% | 0.85% | 0.91% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 4.63B | 6.51B | 7.34B | 5.73B | 2.8B | 6.24B | 9.77B | 6.67B | 5.42B |
| Net Debt | -1.21B | 1.95B | 1.52B | -10.04B | -19.88B | -47M | 269M | -131M | 4.56B |
| Long-Term Debt | 4.62B | 5.6B | 6.38B | 4.82B | 1.92B | 2.18B | 6.21B | 6.67B | 5.42B |
| Short-Term Debt | 10M | 905M | 955M | 905M | 877M | 4.05B | 3.56B | 0 | 0 |
| Other Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2.27B | 8.13B |
| Total Current Liabilities | 58.98B | 57.71B | 59.69B | 75.26B | 84.8B | 78.04B | 73.22B | 63.81B | 58.81B |
| Total Non-Current Liabilities | 4.62B | 5.6B | 6.38B | 4.82B | 1.92B | 2.18B | 6.21B | 8.94B | 13.56B |
| Total Liabilities | 63.6B | 63.31B | 66.08B | 80.08B | 86.72B | 80.22B | 79.43B | 72.75B | 72.37B |
| Total Equity | 7.96B▲ 0% | 7.51B▼ 5.7% | 7.33B▼ 2.4% | 8.05B▲ 9.9% | 7.9B▼ 1.9% | 5.18B▼ 34.4% | 6.41B▲ 23.6% | 6.54B▲ 2.1% | 7.71B▲ 17.8% |
| Equity Growth % | 2.14% | -5.73% | -2.4% | 9.87% | -1.9% | -34.39% | 23.64% | 2.14% | 17.79% |
| Equity / Assets (Capital Ratio) | 11.13% | 10.6% | 9.98% | 9.13% | 8.35% | 6.07% | 7.46% | 8.25% | 9.62% |
| Return on Equity (ROE) | 9.43% | 15.97% | 16.21% | 6.46% | 14.65% | 17.6% | 15.21% | 10.78% | 10.15% |
| Book Value per Share | 44.74 | 43.90 | 48.52 | 57.50 | 57.64 | 38.95 | 48.17 | 48.83 | 57.95 |
| Tangible BV per Share | 41.13 | 40.16 | 44.30 | 52.96 | 53.01 | 34.18 | 42.93 | 42.58 | 57.95 |
| Common Stock | 1.14B | 1.14B | 1.14B | 1.14B | 1.14B | 1.14B | 1.14B | 1.14B | 1.14B |
| Additional Paid-in Capital | 2.12B | 2.15B | 2.17B | 2.19B | 2.17B | 2.22B | 2.22B | 2.22B | 2.2B |
| Retained Earnings | 7.89B | 8.78B | 9.54B | 9.73B | 10.49B | 11.26B | 11.73B | 12.02B | 12.34B |
| Accumulated OCI | -451M | -609M | -235M | 64M | -212M | -3.74B | -3.05B | -3.16B | -2.08B |
| Treasury Stock | -2.74B | -3.95B | -5.29B | -5.46B | -6.09B | -6.09B | -6.03B | -6.07B | -6.28B |
| Preferred Stock | 0 | 0 | 0 | 394M | 394M | 394M | 394M | 394M | 392M |
CMA Cash Flow Statement
Comerica Incorporated (CMA) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 1.08B | 1.62B | 1.09B | 928M | 634M | 638M | 1.25B | 601M | 0 |
| Operating CF Growth % | 123.25% | 48.94% | -32.55% | -14.86% | -31.68% | 0.63% | 96.08% | -51.96% | -100% |
| Net Income | 743M | 1.24B | 1.2B | 497M | 1.17B | 1.15B | 881M | 698M | 723M |
| Depreciation & Amortization | 121M | 120M | 114M | 108M | 99M | 92M | 87M | 96M | 0 |
| Deferred Taxes | 79M | 24M | 14M | -82M | 79M | -27M | -92M | -1M | 0 |
| Other Non-Cash Items | 56M | 1M | 49M | 496M | -429M | -3M | 45M | 11M | -723M |
| Working Capital Changes | 47M | 188M | -328M | -115M | -324M | -635M | 278M | -257M | 0 |
| Cash from Investing | -120M | -1.16B | -494M | -4.6B | 1.72B | -9.95B | 3.49B | 3.26B | 0 |
| Purchase of Investments | -3.11B | -3.03B | -3.35B | -5.8B | -7.94B | -7.47B | 0 | -1.33B | 0 |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 0 |
| Net Investment Activity | -3.11B | -3.03B | -3.35B | -5.8B | -7.94B | -7.47B | 1000K | -1.33B | 0 |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -132M | -1.07B | -311M | -2.07B | 4.19B | -4.91B | 1.16B | 1.72B | 0 |
| Cash from Financing | -2.34B | -1.74B | 661M | 13.62B | 4.55B | -7.08B | -1.52B | -6.56B | 0 |
| Dividends Paid | -180M | -263M | -402M | -383M | -392M | -376M | -394M | -400M | 0 |
| Share Repurchases | -560M | -1.34B | -1.39B | -199M | -729M | -43M | -17M | -114M | 0 |
| Stock Issued | 118M | 52M | 18M | 4M | 34M | 28M | 18M | 22M | 0 |
| Net Stock Activity | -442M | -1.29B | -1.38B | -195M | -695M | -15M | 1M | -92M | 0 |
| Debt Issuance (Net) | -1000K | 1000K | 1000K | -1000K | -1000K | 1000K | 1000K | -1000K | 0 |
| Other Financing | -1.19B | -2.08B | 1.71B | 15.55B | 8.44B | -10.4B | -4.64B | -3B | 0 |
| Net Change in Cash | -1.37B▲ 0% | -1.28B▲ 6.5% | 1.26B▲ 197.9% | 9.95B▲ 691.5% | 6.91B▼ 30.5% | -16.4B▼ 337.2% | 3.22B▲ 119.6% | -2.7B▼ 183.8% | -6.8B▼ 152.2% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 7.22B | 5.84B | 4.56B | 5.82B | 15.77B | 22.68B | 6.28B | 9.5B | 6.8B |
| Cash at End | 5.84B | 4.56B | 5.82B | 15.77B | 22.68B | 6.28B | 9.5B | 6.8B | 0 |
| Interest Paid | 122M | 261M | 462M | 203M | 57M | 130M | 1.45B | 1.89B | 0 |
| Income Taxes Paid | 336M | 200M | 266M | 141M | 157M | 277M | 317M | 101M | 0 |
| Free Cash Flow | 1.02B▲ 0% | 1.53B▲ 50.2% | 1B▼ 34.2% | 849M▼ 15.4% | 564M▼ 33.6% | 556M▼ 1.4% | 1.1B▲ 97.5% | 448M▼ 59.2% | 0▼ 100.0% |
| FCF Growth % | 159.85% | 50.2% | -34.21% | -15.44% | -33.57% | -1.42% | 97.48% | -59.2% | -100% |
CMA Banking Ratios
Comerica Incorporated (CMA) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 6.21% | 9.43% | 15.97% | 16.21% | 6.46% | 14.65% | 17.6% | 15.21% | 10.78% | 10.15% |
| Return on Assets (ROA) | 0.66% | 1.03% | 1.73% | 1.67% | 0.62% | 1.28% | 1.28% | 1.03% | 0.85% | 0.91% |
| Net Interest Margin | 2.46% | 2.88% | 3.32% | 3.19% | 2.17% | 1.95% | 2.89% | 2.93% | 2.76% | 2.87% |
| Efficiency Ratio | 65.2% | 56.55% | 49.9% | 45.42% | 56.69% | 61.54% | 53.42% | 44.91% | 46.2% | 49% |
| Equity / Assets | 10.68% | 11.13% | 10.6% | 9.98% | 9.13% | 8.35% | 6.07% | 7.46% | 8.25% | 9.62% |
| Book Value / Share | 44.05 | 44.74 | 43.9 | 48.52 | 57.5 | 57.64 | 38.95 | 48.17 | 48.83 | 57.95 |
| NII Growth | 6.39% | 14.69% | 14.12% | -0.55% | -18.3% | -3.51% | 33.73% | 1.95% | -12.89% | 5.07% |
| Dividend Payout | 31.87% | 24.23% | 21.3% | 33.44% | 75.45% | 31.59% | 30.67% | 42.11% | 54.01% | - |
CMA SEC Filings & Documents
Comerica Incorporated (CMA) SEC filings — annual & quarterly reports (10-K, 10-Q)
10-Q Quarterly Reports
1FY 2025
Oct 28, 2025·SEC
CMA Frequently Asked Questions
Comerica Incorporated (CMA) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Comerica Incorporated (CMA) saw revenue decline by 3.9% over the past year.
Yes, Comerica Incorporated (CMA) is profitable, generating $723.0M in net income for fiscal year 2025 (15.1% net margin).
Dividend & Returns
Comerica Incorporated (CMA) has a return on equity (ROE) of 10.1%. This is reasonable for most industries.
Industry Metrics
Comerica Incorporated (CMA) has a net interest margin (NIM) of 2.9%. NIM has been under pressure due to interest rate environment.
Comerica Incorporated (CMA) has an efficiency ratio of 49.0%. This is excellent, indicating strong cost control.
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Comerica Incorporated (CMA) financial analysis — history, returns, DCA and operating performance tools
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Dividend History
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Earnings History
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Price History
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Revenue History
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Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates