(CMA) Comerica - Ratings and Ratios
Commercial Loans, Deposits, Wealth Management, Consumer Banking, Treasury Services
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 4.42% |
| Yield on Cost 5y | 9.13% |
| Yield CAGR 5y | 1.09% |
| Payout Consistency | 91.4% |
| Payout Ratio | 54.3% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 34.1% |
| Value at Risk 5%th | 51.0% |
| Relative Tail Risk | -9.02% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.48 |
| Alpha | -1.35 |
| CAGR/Max DD | 0.18 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.406 |
| Beta | 1.112 |
| Beta Downside | 1.368 |
| Drawdowns 3y | |
|---|---|
| Max DD | 58.75% |
| Mean DD | 21.76% |
| Median DD | 21.82% |
Description: CMA Comerica November 04, 2025
Comerica Incorporated (NYSE:CMA) is a diversified financial services firm operating in the United States, Canada, and Mexico through three core segments: Commercial Bank, Retail Bank, and Wealth Management. The Commercial Bank line serves small- to mid-size enterprises, multinational corporations, and government entities with loan products, cash-management tools, trade finance, and capital-market services. The Retail Bank offers consumer-focused products such as deposits, credit cards, home equity lines, and mortgage origination. The Wealth Management segment provides financial planning, trust, investment advisory, private banking, and business-transition services to high-net-worth individuals, families, and institutional clients.
Key performance indicators from the most recent quarter (Q3 2024) show a net interest margin of 3.45%, a return on assets of roughly 0.90%, and an efficiency ratio near 56%, indicating solid profitability and cost control. The bank’s loan portfolio grew about 4% YoY, driven largely by commercial real-estate and equipment financing, while deposits rose 2% amid a higher-interest-rate environment that is encouraging customers to seek better yields. Capital adequacy remains robust, with a CET1 ratio of approximately 13.5%, comfortably above regulatory minimums.
Sector-wide, Comerica is sensitive to Federal Reserve policy: rising rates tend to expand net interest income but can also increase credit-risk pressure on commercial borrowers, especially in the energy-intensive regions of Texas and the Midwest where the bank has a significant presence. Additionally, the ongoing shift toward digital banking platforms is prompting the firm to invest in fintech partnerships to retain retail customers and improve cross-sell opportunities across its wealth-management franchise.
If you want a more granular, data-driven view of CMA’s valuation and risk profile, the ValueRay platform offers tools that can help you dig deeper.
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income (717.0m TTM) > 0 and > 6% of Revenue (6% = 288.6m TTM) |
| FCFTA 0.00 (>2.0%) and ΔFCFTA -2.35pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -932.1% (prev -1087 %; Δ 154.5pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.00 (>3.0%) and CFO 125.0m <= Net Income 717.0m (YES >=105%, WARN >=100%) |
| Net Debt (383.0m) to EBITDA (1.01b) ratio: 0.38 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.28 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (133.0m) change vs 12m ago -0.75% (target <= -2.0% for YES) |
| Gross Margin 67.23% (prev 62.93%; Δ 4.30pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 6.13% (prev 6.31%; Δ -0.18pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.62 (EBITDA TTM 1.01b / Interest Expense TTM 1.47b) >= 6 (WARN >= 3) |
Altman Z'' -3.04
| (A) -0.58 = (Total Current Assets 17.76b - Total Current Liabilities 62.60b) / Total Assets 77.38b |
| (B) 0.16 = Retained Earnings (Balance) 12.27b / Total Assets 77.38b |
| (C) 0.01 = EBIT TTM 913.0m / Avg Total Assets 78.52b |
| (D) 0.16 = Book Value of Equity 11.15b / Total Liabilities 69.95b |
| Total Rating: -3.04 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 51.28
| 1. Piotroski 3.50pt |
| 2. FCF Yield -1.57% |
| 3. FCF Margin 0.50% |
| 4. Debt/Equity 0.73 |
| 5. Debt/Ebitda 0.38 |
| 6. ROIC - WACC (= -3.23)% |
| 7. RoE 10.29% |
| 8. Rev. Trend 66.72% |
| 9. EPS Trend -60.25% |
What is the price of CMA shares?
Over the past week, the price has changed by +2.99%, over one month by +3.54%, over three months by +14.65% and over the past year by +16.47%.
Is CMA a buy, sell or hold?
- Strong Buy: 1
- Buy: 3
- Hold: 12
- Sell: 3
- Strong Sell: 3
What are the forecasts/targets for the CMA price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 81.3 | 1.1% |
| Analysts Target Price | 81.3 | 1.1% |
| ValueRay Target Price | 85 | 5.8% |
CMA Fundamental Data Overview November 24, 2025
P/E Trailing = 14.9235
P/E Forward = 13.947
P/S = 3.1019
P/B = 1.4168
P/EG = 4.9777
Beta = 1.081
Revenue TTM = 4.81b USD
EBIT TTM = 913.0m USD
EBITDA TTM = 1.01b USD
Long Term Debt = 5.42b USD (from longTermDebt, last quarter)
Short Term Debt = 1.41b USD (from shortTermDebt, last fiscal year)
Debt = 5.42b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 383.0m USD (from netDebt column, last quarter)
Enterprise Value = -1.53b USD (10.03b + Debt 5.42b - CCE 16.98b)
Interest Coverage Ratio = 0.62 (Ebit TTM 913.0m / Interest Expense TTM 1.47b)
FCF Yield = -1.57% (FCF TTM 24.0m / Enterprise Value -1.53b)
FCF Margin = 0.50% (FCF TTM 24.0m / Revenue TTM 4.81b)
Net Margin = 14.91% (Net Income TTM 717.0m / Revenue TTM 4.81b)
Gross Margin = 67.23% ((Revenue TTM 4.81b - Cost of Revenue TTM 1.58b) / Revenue TTM)
Gross Margin QoQ = 67.44% (prev 66.80%)
Tobins Q-Ratio = -0.02 (set to none) (Enterprise Value -1.53b / Total Assets 77.38b)
Interest Expense / Debt = 6.86% (Interest Expense 372.0m / Debt 5.42b)
Taxrate = 22.47% (51.0m / 227.0m)
NOPAT = 707.9m (EBIT 913.0m * (1 - 22.47%))
Current Ratio = 0.28 (Total Current Assets 17.76b / Total Current Liabilities 62.60b)
Debt / Equity = 0.73 (Debt 5.42b / totalStockholderEquity, last quarter 7.43b)
Debt / EBITDA = 0.38 (Net Debt 383.0m / EBITDA 1.01b)
Debt / FCF = 15.96 (Net Debt 383.0m / FCF TTM 24.0m)
Total Stockholder Equity = 6.97b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.93% (Net Income 717.0m / Total Assets 77.38b)
RoE = 10.29% (Net Income TTM 717.0m / Total Stockholder Equity 6.97b)
RoCE = 7.37% (EBIT 913.0m / Capital Employed (Equity 6.97b + L.T.Debt 5.42b))
RoIC = 5.20% (NOPAT 707.9m / Invested Capital 13.61b)
WACC = 8.43% (E(10.03b)/V(15.45b) * Re(10.11%) + D(5.42b)/V(15.45b) * Rd(6.86%) * (1-Tc(0.22)))
Discount Rate = 10.11% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 0.09%
[DCF Debug] Terminal Value 75.02% ; FCFE base≈774.0m ; Y1≈954.8m ; Y5≈1.63b
Fair Price DCF = 152.1 (DCF Value 19.44b / Shares Outstanding 127.7m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: -60.25 | EPS CAGR: -3.01% | SUE: 1.89 | # QB: 1
Revenue Correlation: 66.72 | Revenue CAGR: 13.08% | SUE: 0.64 | # QB: 0
Additional Sources for CMA Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle