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COMERICA INC (CMA) Stock Fundamental Analysis

NYSE:CMA - New York Stock Exchange, Inc. - US2003401070 - Common Stock - Currency: USD

53.37  +1.06 (+2.03%)

After market: 53.2 -0.17 (-0.32%)

Fundamental Rating

3

Overall CMA gets a fundamental rating of 3 out of 10. We evaluated CMA against 398 industry peers in the Banks industry. CMA may be in some trouble as it scores bad on both profitability and health. CMA has a valuation in line with the averages, but it does not seem to be growing. Finally CMA also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year CMA was profitable.
In the past year CMA had a positive cash flow from operations.
CMA had positive earnings in each of the past 5 years.
CMA had a positive operating cash flow in each of the past 5 years.
CMA Yearly Net Income VS EBIT VS OCF VS FCFCMA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

1.2 Ratios

CMA has a Return On Assets (0.85%) which is comparable to the rest of the industry.
The Return On Equity of CMA (10.26%) is better than 69.85% of its industry peers.
Industry RankSector Rank
ROA 0.85%
ROE 10.26%
ROIC N/A
ROA(3y)1.05%
ROA(5y)0.98%
ROE(3y)15.08%
ROE(5y)13.13%
ROIC(3y)N/A
ROIC(5y)N/A
CMA Yearly ROA, ROE, ROICCMA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

Looking at the Profit Margin, with a value of 20.68%, CMA is doing worse than 60.30% of the companies in the same industry.
CMA's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for CMA so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 20.68%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-18.65%
PM growth 5Y-10.33%
GM growth 3YN/A
GM growth 5YN/A
CMA Yearly Profit, Operating, Gross MarginsCMA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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1

2. Health

2.1 Basic Checks

CMA does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CMA has been reduced compared to 1 year ago.
The number of shares outstanding for CMA has been reduced compared to 5 years ago.
The debt/assets ratio for CMA is higher compared to a year ago.
CMA Yearly Shares OutstandingCMA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
CMA Yearly Total Debt VS Total AssetsCMA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B

2.2 Solvency

The Debt to FCF ratio of CMA is 6.02, which is on the high side as it means it would take CMA, 6.02 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 6.02, CMA is doing worse than 70.85% of the companies in the same industry.
A Debt/Equity ratio of 0.41 indicates that CMA is not too dependend on debt financing.
CMA has a Debt to Equity ratio of 0.41. This is in the lower half of the industry: CMA underperforms 73.87% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.41
Debt/FCF 6.02
Altman-Z N/A
ROIC/WACCN/A
WACC14.62%
CMA Yearly LT Debt VS Equity VS FCFCMA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CMA Yearly Current Assets VS Current LiabilitesCMA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

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3

3. Growth

3.1 Past

The earnings per share for CMA have decreased strongly by -17.73% in the last year.
The Earnings Per Share has been decreasing by -6.99% on average over the past years.
Looking at the last year, CMA shows a decrease in Revenue. The Revenue has decreased by -2.86% in the last year.
Measured over the past years, CMA shows a decrease in Revenue. The Revenue has been decreasing by -0.64% on average per year.
EPS 1Y (TTM)-17.73%
EPS 3Y-13.01%
EPS 5Y-6.99%
EPS Q2Q%-3.1%
Revenue 1Y (TTM)-2.86%
Revenue growth 3Y3.02%
Revenue growth 5Y-0.64%
Sales Q2Q%5.74%

3.2 Future

Based on estimates for the next years, CMA will show a small growth in Earnings Per Share. The EPS will grow by 1.66% on average per year.
The Revenue is expected to grow by 1.67% on average over the next years.
EPS Next Y-4.8%
EPS Next 2Y3.42%
EPS Next 3Y4.06%
EPS Next 5Y1.66%
Revenue Next Year3.6%
Revenue Next 2Y3.36%
Revenue Next 3Y3.09%
Revenue Next 5Y1.67%

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
CMA Yearly Revenue VS EstimatesCMA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 1B 2B 3B
CMA Yearly EPS VS EstimatesCMA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2 4 6 8

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 9.83, the valuation of CMA can be described as very reasonable.
CMA's Price/Earnings ratio is a bit cheaper when compared to the industry. CMA is cheaper than 74.87% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 28.92, CMA is valued rather cheaply.
A Price/Forward Earnings ratio of 9.12 indicates a reasonable valuation of CMA.
CMA's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. CMA is cheaper than 62.31% of the companies in the same industry.
CMA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.65.
Industry RankSector Rank
PE 9.83
Fwd PE 9.12
CMA Price Earnings VS Forward Price EarningsCMA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

CMA's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. CMA is more expensive than 65.58% of the companies in the same industry.
Industry RankSector Rank
P/FCF 15.63
EV/EBITDA N/A
CMA Per share dataCMA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y3.42%
EPS Next 3Y4.06%

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.43%, CMA is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.63, CMA pays a better dividend. On top of this CMA pays more dividend than 88.69% of the companies listed in the same industry.
CMA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.51.
Industry RankSector Rank
Dividend Yield 5.43%

5.2 History

The dividend of CMA has a limited annual growth rate of 2.70%.
CMA has paid a dividend for at least 10 years, which is a reliable track record.
CMA has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)2.7%
Div Incr Years1
Div Non Decr Years7
CMA Yearly Dividends per shareCMA Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2 2.5

5.3 Sustainability

CMA pays out 59.61% of its income as dividend. This is a bit on the high side, but may be sustainable.
CMA's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP59.61%
EPS Next 2Y3.42%
EPS Next 3Y4.06%
CMA Yearly Income VS Free CF VS DividendCMA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B
CMA Dividend Payout.CMA Dividend Payout, showing the Payout Ratio.CMA Dividend Payout.PayoutRetained Earnings

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COMERICA INC

NYSE:CMA (4/24/2025, 8:04:00 PM)

After market: 53.2 -0.17 (-0.32%)

53.37

+1.06 (+2.03%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-21 2025-04-21/bmo
Earnings (Next)07-18 2025-07-18/bmo
Inst Owners82.22%
Inst Owner Change0.46%
Ins Owners0.82%
Ins Owner Change4.71%
Market Cap7.00B
Analysts64.62
Price Target62.35 (16.83%)
Short Float %4.82%
Short Ratio2.96
Dividend
Industry RankSector Rank
Dividend Yield 5.43%
Yearly Dividend3.04
Dividend Growth(5Y)2.7%
DP59.61%
Div Incr Years1
Div Non Decr Years7
Ex-Date03-14 2025-03-14 (0.71)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.15%
Min EPS beat(2)5.23%
Max EPS beat(2)13.07%
EPS beat(4)4
Avg EPS beat(4)13.95%
Min EPS beat(4)5.23%
Max EPS beat(4)23.68%
EPS beat(8)8
Avg EPS beat(8)10%
EPS beat(12)11
Avg EPS beat(12)7.13%
EPS beat(16)15
Avg EPS beat(16)13.89%
Revenue beat(2)0
Avg Revenue beat(2)-1.2%
Min Revenue beat(2)-1.34%
Max Revenue beat(2)-1.06%
Revenue beat(4)1
Avg Revenue beat(4)-1.46%
Min Revenue beat(4)-3.74%
Max Revenue beat(4)0.29%
Revenue beat(8)4
Avg Revenue beat(8)-1.24%
Revenue beat(12)7
Avg Revenue beat(12)-0.95%
Revenue beat(16)10
Avg Revenue beat(16)-0.48%
PT rev (1m)-2.35%
PT rev (3m)-4.75%
EPS NQ rev (1m)-2.22%
EPS NQ rev (3m)-6.63%
EPS NY rev (1m)-1.46%
EPS NY rev (3m)-6.01%
Revenue NQ rev (1m)-0.15%
Revenue NQ rev (3m)-0.67%
Revenue NY rev (1m)-0.2%
Revenue NY rev (3m)-0.03%
Valuation
Industry RankSector Rank
PE 9.83
Fwd PE 9.12
P/S 2.16
P/FCF 15.63
P/OCF 11.65
P/B 1.07
P/tB 1.07
EV/EBITDA N/A
EPS(TTM)5.43
EY10.17%
EPS(NY)5.85
Fwd EY10.96%
FCF(TTM)3.41
FCFY6.4%
OCF(TTM)4.58
OCFY8.58%
SpS24.72
BVpS49.86
TBVpS49.86
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.85%
ROE 10.26%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 20.68%
GM N/A
FCFM 13.81%
ROA(3y)1.05%
ROA(5y)0.98%
ROE(3y)15.08%
ROE(5y)13.13%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-18.65%
PM growth 5Y-10.33%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.41
Debt/FCF 6.02
Debt/EBITDA N/A
Cap/Depr 159.38%
Cap/Sales 4.72%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 66.77%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC14.62%
ROIC/WACCN/A
Cap/Depr(3y)141.46%
Cap/Depr(5y)113.65%
Cap/Sales(3y)3.77%
Cap/Sales(5y)3.27%
Profit Quality(3y)81.63%
Profit Quality(5y)94.1%
High Growth Momentum
Growth
EPS 1Y (TTM)-17.73%
EPS 3Y-13.01%
EPS 5Y-6.99%
EPS Q2Q%-3.1%
EPS Next Y-4.8%
EPS Next 2Y3.42%
EPS Next 3Y4.06%
EPS Next 5Y1.66%
Revenue 1Y (TTM)-2.86%
Revenue growth 3Y3.02%
Revenue growth 5Y-0.64%
Sales Q2Q%5.74%
Revenue Next Year3.6%
Revenue Next 2Y3.36%
Revenue Next 3Y3.09%
Revenue Next 5Y1.67%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-59.2%
FCF growth 3Y-7.39%
FCF growth 5Y-14.9%
OCF growth 1Y-51.96%
OCF growth 3Y-1.77%
OCF growth 5Y-11.23%