COMERICA INC (CMA) Fundamental Analysis & Valuation

NYSE:CMA • US2003401070

Current stock price

88.67 USD
-4.19 (-4.51%)
At close:
90.85 USD
+2.18 (+2.46%)
After Hours:

This CMA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. CMA Profitability Analysis

1.1 Basic Checks

  • CMA had positive earnings in the past year.
  • 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 4 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

1.2 Ratios

  • CMA has a Return On Assets of 0.89%. This is comparable to the rest of the industry: CMA outperforms 48.44% of its industry peers.
  • With a Return On Equity value of 9.29%, CMA perfoms like the industry average, outperforming 54.43% of the companies in the same industry.
Industry RankSector Rank
ROA 0.89%
ROE 9.29%
ROIC N/A
ROA(3y)0.9%
ROA(5y)1.04%
ROE(3y)10.85%
ROE(5y)13.73%
ROIC(3y)N/A
ROIC(5y)N/A
CMA Yearly ROA, ROE, ROICCMA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • The Profit Margin of CMA (20.65%) is worse than 65.89% of its industry peers.
  • In the last couple of years the Profit Margin of CMA has grown nicely.
  • 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) 20.65%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-13.53%
PM growth 5Y4.4%
GM growth 3YN/A
GM growth 5YN/A
CMA Yearly Profit, Operating, Gross MarginsCMA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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1

2. CMA Health Analysis

2.1 Basic Checks

  • CMA does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • CMA has less shares outstanding than it did 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
CMA Yearly Total Debt VS Total AssetsCMA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B

2.2 Solvency

  • CMA has a debt to FCF ratio of 100.67. This is a negative value and a sign of low solvency as CMA would need 100.67 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 100.67, CMA is not doing good in the industry: 84.90% of the companies in the same industry are doing better.
  • CMA has a Debt/Equity ratio of 0.33. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.33, CMA is doing worse than 69.01% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 100.67
Altman-Z N/A
ROIC/WACCN/A
WACC12.98%
CMA Yearly LT Debt VS Equity VS FCFCMA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. CMA Growth Analysis

3.1 Past

  • CMA shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.18%.
  • The Earnings Per Share has been growing by 10.88% on average over the past years. This is quite good.
  • The Revenue has grown by 81.32% in the past year. This is a very strong growth!
  • The Revenue has been growing slightly by 2.94% on average over the past years.
EPS 1Y (TTM)0.18%
EPS 3Y-13.51%
EPS 5Y10.88%
EPS Q2Q%7.35%
Revenue 1Y (TTM)81.32%
Revenue growth 3Y-1.61%
Revenue growth 5Y2.94%
Sales Q2Q%1.8%

3.2 Future

  • CMA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.40% yearly.
  • The Revenue is expected to grow by 1.63% on average over the next years.
EPS Next Y1.86%
EPS Next 2Y4.78%
EPS Next 3Y-3.87%
EPS Next 5Y2.4%
Revenue Next Year2.47%
Revenue Next 2Y2.77%
Revenue Next 3Y0.48%
Revenue Next 5Y1.63%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
CMA Yearly Revenue VS EstimatesCMA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 1B 2B 3B 4B
CMA Yearly EPS VS EstimatesCMA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 2 4 6 8

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2

4. CMA Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 16.18, CMA is valued correctly.
  • Compared to the rest of the industry, the Price/Earnings ratio of CMA indicates a slightly more expensive valuation: CMA is more expensive than 72.66% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.51, CMA is valued a bit cheaper.
  • The Price/Forward Earnings ratio is 15.89, which indicates a correct valuation of CMA.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of CMA indicates a slightly more expensive valuation: CMA is more expensive than 73.70% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.76, CMA is valued a bit cheaper.
Industry RankSector Rank
PE 16.18
Fwd PE 15.89
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

  • Based on the Price/Free Cash Flow ratio, CMA is valued expensively inside the industry as 83.59% of the companies are valued cheaper.
Industry RankSector Rank
P/FCF 472.13
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

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
  • CMA's earnings are expected to decrease with -3.87% in the coming years. This may justify a cheaper valuation.
PEG (NY)8.72
PEG (5Y)1.49
EPS Next 2Y4.78%
EPS Next 3Y-3.87%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. CMA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.20%, CMA has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.66, CMA pays a bit more dividend than its industry peers.
  • CMA's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 3.2%

5.2 History

  • The dividend of CMA has a limited annual growth rate of 2.70%.
  • CMA has been paying a dividend for at least 10 years, so it has 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 Years0
Div Non Decr Years7
CMA Yearly Dividends per shareCMA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2 2.5

5.3 Sustainability

  • 57.68% of the earnings are spent on dividend by CMA. 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.
DP57.68%
EPS Next 2Y4.78%
EPS Next 3Y-3.87%
CMA Yearly Income VS Free CF VS DividendCMA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B
CMA Dividend Payout.CMA Dividend Payout, showing the Payout Ratio.CMA Dividend Payout.PayoutRetained Earnings

More info and screens

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CMA Fundamentals: All Metrics, Ratios and Statistics

COMERICA INC

NYSE:CMA (1/30/2026, 8:04:00 PM)

After market: 90.85 +2.18 (+2.46%)

88.67

-4.19 (-4.51%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20
Earnings (Next)04-21
Inst Owners91.58%
Inst Owner Change-0.4%
Ins Owners0.84%
Ins Owner Change-68.88%
Market Cap11.33B
Revenue(TTM)5.88B
Net Income(TTM)690.00M
Analysts65.22
Price Target86.5 (-2.45%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.2%
Yearly Dividend3.04
Dividend Growth(5Y)2.7%
DP57.68%
Div Incr Years0
Div Non Decr Years7
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.67%
Min EPS beat(2)2.32%
Max EPS beat(2)13.02%
EPS beat(4)4
Avg EPS beat(4)7.58%
Min EPS beat(4)2.32%
Max EPS beat(4)13.02%
EPS beat(8)8
Avg EPS beat(8)10.84%
EPS beat(12)12
Avg EPS beat(12)8.78%
EPS beat(16)15
Avg EPS beat(16)7.15%
Revenue beat(2)0
Avg Revenue beat(2)-0.99%
Min Revenue beat(2)-1.79%
Max Revenue beat(2)-0.18%
Revenue beat(4)0
Avg Revenue beat(4)-1.15%
Min Revenue beat(4)-1.79%
Max Revenue beat(4)-0.18%
Revenue beat(8)1
Avg Revenue beat(8)-2.11%
Revenue beat(12)5
Avg Revenue beat(12)-1.09%
Revenue beat(16)8
Avg Revenue beat(16)-0.84%
PT rev (1m)4.24%
PT rev (3m)11.67%
EPS NQ rev (1m)-0.11%
EPS NQ rev (3m)-0.85%
EPS NY rev (1m)0.49%
EPS NY rev (3m)-0.04%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)-0.27%
Revenue NY rev (1m)-0.37%
Revenue NY rev (3m)-0.66%
Valuation
Industry RankSector Rank
PE 16.18
Fwd PE 15.89
P/S 3.39
P/FCF 472.13
P/OCF 90.65
P/B 1.53
P/tB 1.53
EV/EBITDA N/A
EPS(TTM)5.48
EY6.18%
EPS(NY)5.58
Fwd EY6.29%
FCF(TTM)0.19
FCFY0.21%
OCF(TTM)0.98
OCFY1.1%
SpS26.14
BVpS58.13
TBVpS58.13
PEG (NY)8.72
PEG (5Y)1.49
Graham Number84.66
Profitability
Industry RankSector Rank
ROA 0.89%
ROE 9.29%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 20.65%
GM N/A
FCFM 0.72%
ROA(3y)0.9%
ROA(5y)1.04%
ROE(3y)10.85%
ROE(5y)13.73%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-13.53%
PM growth 5Y4.4%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 100.67
Debt/EBITDA N/A
Cap/Depr 101%
Cap/Sales 3.02%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 3.48%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC12.98%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)0.18%
EPS 3Y-13.51%
EPS 5Y10.88%
EPS Q2Q%7.35%
EPS Next Y1.86%
EPS Next 2Y4.78%
EPS Next 3Y-3.87%
EPS Next 5Y2.4%
Revenue 1Y (TTM)81.32%
Revenue growth 3Y-1.61%
Revenue growth 5Y2.94%
Sales Q2Q%1.8%
Revenue Next Year2.47%
Revenue Next 2Y2.77%
Revenue Next 3Y0.48%
Revenue Next 5Y1.63%
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-98.74%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-93.98%
OCF growth 3YN/A
OCF growth 5YN/A

COMERICA INC / CMA Fundamental Analysis FAQ

What is the ChartMill fundamental rating of COMERICA INC (CMA) stock?

ChartMill assigns a fundamental rating of 3 / 10 to CMA.


Can you provide the valuation status for COMERICA INC?

ChartMill assigns a valuation rating of 2 / 10 to COMERICA INC (CMA). This can be considered as Overvalued.


How profitable is COMERICA INC (CMA) stock?

COMERICA INC (CMA) has a profitability rating of 3 / 10.


Can you provide the PE and PB ratios for CMA stock?

The Price/Earnings (PE) ratio for COMERICA INC (CMA) is 16.18 and the Price/Book (PB) ratio is 1.53.


Can you provide the expected EPS growth for CMA stock?

The Earnings per Share (EPS) of COMERICA INC (CMA) is expected to grow by 1.86% in the next year.