Logo image of CMA

COMERICA INC (CMA) Stock Fundamental Analysis

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

66.86  +0.85 (+1.29%)

After market: 66.84 -0.02 (-0.03%)

Fundamental Rating

3

Overall CMA gets a fundamental rating of 3 out of 10. We evaluated CMA against 393 industry peers in the Banks industry. Both the profitability and financial health of CMA have multiple concerns. CMA has a valuation in line with the averages, but on the other hand it scores bad on growth. CMA also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

Quickly go to:

3

1. Profitability

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 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 of 0.91%. This is comparable to the rest of the industry: CMA outperforms 56.12% of its industry peers.
The Return On Equity of CMA (10.00%) is better than 66.58% of its industry peers.
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

With a Profit Margin value of 21.44%, CMA perfoms like the industry average, outperforming 42.86% 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) 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

More info and screens

2

2. Health

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.
Compared to 5 years ago, CMA has less shares outstanding
CMA has a worse debt/assets ratio than last year.
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 2.86, which is a good value as it means it would take CMA, 2.86 years of fcf income to pay off all of its debts.
CMA has a worse Debt to FCF ratio (2.86) than 61.22% of its industry peers.
A Debt/Equity ratio of 0.39 indicates that CMA is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.39, CMA is doing worse than 75.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.39
Debt/FCF 2.86
Altman-Z N/A
ROIC/WACCN/A
WACC13.57%
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

More info and screens

3

3. Growth

3.1 Past

CMA shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -11.84%.
The Earnings Per Share has been decreasing by -6.99% on average over the past years.
The Revenue has been growing slightly by 0.85% in the past year.
The Revenue has been decreasing by -0.64% on average over the past years.
EPS 1Y (TTM)-11.84%
EPS 3Y-13.01%
EPS 5Y-6.99%
EPS Q2Q%-4.7%
Revenue 1Y (TTM)0.85%
Revenue growth 3Y3.02%
Revenue growth 5Y-0.64%
Sales Q2Q%3.03%

3.2 Future

The Earnings Per Share is expected to grow by 1.31% on average over the next years.
Based on estimates for the next years, CMA will show a small growth in Revenue. The Revenue will grow by 1.52% on average per year.
EPS Next Y-3.51%
EPS Next 2Y2.27%
EPS Next 3Y4.01%
EPS Next 5Y1.31%
Revenue Next Year3.02%
Revenue Next 2Y3.02%
Revenue Next 3Y2.92%
Revenue Next 5Y1.52%

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 accelerating.
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

More info and screens

4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.47, which indicates a correct valuation of CMA.
The rest of the industry has a similar Price/Earnings ratio as CMA.
CMA is valuated cheaply when we compare the Price/Earnings ratio to 26.48, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 11.69 indicates a reasonable valuation of CMA.
65.56% of the companies in the same industry are cheaper than CMA, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.04, CMA is valued rather cheaply.
Industry RankSector Rank
PE 12.47
Fwd PE 11.69
CMA Price Earnings VS Forward Price EarningsCMA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

CMA's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. CMA is cheaper than 70.15% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.04
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 2Y2.27%
EPS Next 3Y4.01%

More info and screens

7

5. Dividend

5.1 Amount

CMA has a Yearly Dividend Yield of 4.30%, which is a nice return.
CMA's Dividend Yield is a higher than the industry average which is at 3.54.
Compared to an average S&P500 Dividend Yield of 2.39, CMA pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.3%

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.
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 Years0
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.
CMA's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP56.88%
EPS Next 2Y2.27%
EPS Next 3Y4.01%
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

More info and screens

COMERICA INC

NYSE:CMA (8/8/2025, 8:26:27 PM)

After market: 66.84 -0.02 (-0.03%)

66.86

+0.85 (+1.29%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-18 2025-07-18/bmo
Earnings (Next)10-17 2025-10-17/bmo
Inst Owners91.74%
Inst Owner Change-0.78%
Ins Owners0.82%
Ins Owner Change2.13%
Market Cap8.67B
Analysts52.41
Price Target66.66 (-0.3%)
Short Float %4.26%
Short Ratio2.85
Dividend
Industry RankSector Rank
Dividend Yield 4.3%
Yearly Dividend3.04
Dividend Growth(5Y)2.7%
DP56.88%
Div Incr Years0
Div Non Decr Years7
Ex-Date09-15 2025-09-15 (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)2%
PT rev (3m)-0.11%
EPS NQ rev (1m)-1.56%
EPS NQ rev (3m)-1.79%
EPS NY rev (1m)0.45%
EPS NY rev (3m)1.36%
Revenue NQ rev (1m)-0.11%
Revenue NQ rev (3m)0.08%
Revenue NY rev (1m)-0.44%
Revenue NY rev (3m)-0.55%
Valuation
Industry RankSector Rank
PE 12.47
Fwd PE 11.69
P/S 2.64
P/FCF 9.04
P/OCF 8.04
P/B 1.23
P/tB 1.23
EV/EBITDA N/A
EPS(TTM)5.36
EY8.02%
EPS(NY)5.72
Fwd EY8.56%
FCF(TTM)7.4
FCFY11.06%
OCF(TTM)8.32
OCFY12.44%
SpS25.36
BVpS54.38
TBVpS54.38
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
WACC13.57%
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)-11.84%
EPS 3Y-13.01%
EPS 5Y-6.99%
EPS Q2Q%-4.7%
EPS Next Y-3.51%
EPS Next 2Y2.27%
EPS Next 3Y4.01%
EPS Next 5Y1.31%
Revenue 1Y (TTM)0.85%
Revenue growth 3Y3.02%
Revenue growth 5Y-0.64%
Sales Q2Q%3.03%
Revenue Next Year3.02%
Revenue Next 2Y3.02%
Revenue Next 3Y2.92%
Revenue Next 5Y1.52%
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%