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COMERICA INC (CMA) Stock Fundamental Analysis

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

57.09  -0.39 (-0.68%)

After market: 57.09 0 (0%)

Fundamental Rating

3

Overall CMA gets a fundamental rating of 3 out of 10. We evaluated CMA against 395 industry peers in the Banks industry. CMA may be in some trouble as it scores bad on both profitability and health. CMA is valued correctly, but it does not seem to be growing. 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.
In the past 5 years CMA has always been profitable.
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 (0.91%) which is in line with its industry peers.
Looking at the Return On Equity, with a value of 10.00%, CMA is in the better half of the industry, outperforming 65.57% of the companies in the same industry.
Industry RankSector Rank
ROA 0.91%
ROE 10%
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

CMA's Profit Margin of 21.44% is in line compared to the rest of the industry. CMA outperforms 40.76% of its industry peers.
CMA's Profit Margin has declined in the last couple of years.
CMA does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 21.44%
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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2

2. Health

2.1 Basic Checks

CMA does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CMA has less shares outstanding
Compared to 5 years ago, CMA has less shares outstanding
Compared to 1 year ago, CMA has a worse debt to assets ratio.
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

CMA has a debt to FCF ratio of 2.86. This is a good value and a sign of high solvency as CMA would need 2.86 years to pay back of all of its debts.
CMA has a Debt to FCF ratio of 2.86. This is in the lower half of the industry: CMA underperforms 61.52% of its industry peers.
CMA has a Debt/Equity ratio of 0.39. This is a healthy value indicating a solid balance between debt and equity.
CMA's Debt to Equity ratio of 0.39 is on the low side compared to the rest of the industry. CMA is outperformed by 74.94% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.39
Debt/FCF 2.86
Altman-Z N/A
ROIC/WACCN/A
WACC14.43%
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.
CMA shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -6.99% yearly.
The Revenue has decreased by -2.86% in the past 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.
CMA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.67% yearly.
EPS Next Y-3.8%
EPS Next 2Y2.35%
EPS Next 3Y4.08%
EPS Next 5Y1.66%
Revenue Next Year3.47%
Revenue Next 2Y3.24%
Revenue Next 3Y2.95%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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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5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 10.51, the valuation of CMA can be described as reasonable.
CMA's Price/Earnings ratio is a bit cheaper when compared to the industry. CMA is cheaper than 69.37% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.25. CMA is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 9.96, which indicates a very decent valuation of CMA.
CMA's Price/Forward Earnings is on the same level as the industry average.
CMA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.15.
Industry RankSector Rank
PE 10.51
Fwd PE 9.96
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of CMA indicates a somewhat cheap valuation: CMA is cheaper than 80.00% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 7.82
EV/EBITDA N/A
CMA Per share dataCMA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y2.35%
EPS Next 3Y4.08%

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.94%, CMA is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.45, CMA pays a better dividend. On top of this CMA pays more dividend than 86.84% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.40, CMA pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.94%

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.
As CMA did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
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 56.88% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of CMA is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP56.88%
EPS Next 2Y2.35%
EPS Next 3Y4.08%
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 (5/30/2025, 8:04:00 PM)

After market: 57.09 0 (0%)

57.09

-0.39 (-0.68%)

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 Change4.28%
Ins Owners0.82%
Ins Owner Change4.53%
Market Cap7.50B
Analysts54.29
Price Target61.16 (7.13%)
Short Float %4.18%
Short Ratio2.6
Dividend
Industry RankSector Rank
Dividend Yield 4.94%
Yearly Dividend3.04
Dividend Growth(5Y)2.7%
DP56.88%
Div Incr Years1
Div Non Decr Years7
Ex-Date06-13 2025-06-13 (0.71)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.48%
Min EPS beat(2)5.23%
Max EPS beat(2)9.73%
EPS beat(4)4
Avg EPS beat(4)12.93%
Min EPS beat(4)5.23%
Max EPS beat(4)23.68%
EPS beat(8)8
Avg EPS beat(8)10.81%
EPS beat(12)12
Avg EPS beat(12)8.07%
EPS beat(16)15
Avg EPS beat(16)9.77%
Revenue beat(2)0
Avg Revenue beat(2)-1.31%
Min Revenue beat(2)-1.34%
Max Revenue beat(2)-1.27%
Revenue beat(4)1
Avg Revenue beat(4)-0.85%
Min Revenue beat(4)-1.34%
Max Revenue beat(4)0.29%
Revenue beat(8)3
Avg Revenue beat(8)-1.57%
Revenue beat(12)7
Avg Revenue beat(12)-0.68%
Revenue beat(16)10
Avg Revenue beat(16)-0.45%
PT rev (1m)-1.9%
PT rev (3m)-13.65%
EPS NQ rev (1m)-2.64%
EPS NQ rev (3m)-4.71%
EPS NY rev (1m)1.05%
EPS NY rev (3m)-0.42%
Revenue NQ rev (1m)-0.97%
Revenue NQ rev (3m)-1.16%
Revenue NY rev (1m)-0.12%
Revenue NY rev (3m)-0.9%
Valuation
Industry RankSector Rank
PE 10.51
Fwd PE 9.96
P/S 2.28
P/FCF 7.82
P/OCF 6.95
P/B 1.06
P/tB 1.06
EV/EBITDA N/A
EPS(TTM)5.43
EY9.51%
EPS(NY)5.73
Fwd EY10.04%
FCF(TTM)7.3
FCFY12.78%
OCF(TTM)8.21
OCFY14.38%
SpS25.03
BVpS53.66
TBVpS53.66
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.91%
ROE 10%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.44%
GM N/A
FCFM 29.16%
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-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.39
Debt/FCF 2.86
Debt/EBITDA N/A
Cap/Depr 121.21%
Cap/Sales 3.65%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 136.03%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC14.43%
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-3.8%
EPS Next 2Y2.35%
EPS Next 3Y4.08%
EPS Next 5Y1.66%
Revenue 1Y (TTM)-2.86%
Revenue growth 3Y3.02%
Revenue growth 5Y-0.64%
Sales Q2Q%5.74%
Revenue Next Year3.47%
Revenue Next 2Y3.24%
Revenue Next 3Y2.95%
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-44.37%
FCF growth 3Y-7.39%
FCF growth 5Y-14.9%
OCF growth 1Y-40.39%
OCF growth 3Y-1.77%
OCF growth 5Y-11.23%