(CMA) Comerica - Ratings and Ratios
Loans, Deposits, CreditCards, InvestmentServices, CashManagement
CMA EPS (Earnings per Share)
CMA Revenue
Description: CMA Comerica
Comerica Incorporated is a diversified financial services company operating in the United States, Canada, and Mexico, with three main business segments: Commercial Bank, Retail Bank, and Wealth Management. The company provides a range of financial products and services to various customer segments, including small and middle market businesses, multinational corporations, governmental entities, and individual clients.
From a business perspective, Comericas Commercial Bank segment is likely to be a significant contributor to revenue, given its comprehensive suite of products and services, including cash management, payment solutions, and loan syndication services. The Retail Bank segment is also crucial, as it provides personal financial services, including consumer lending and deposit gathering. The Wealth Management segment offers a range of products and services to affluent and high-net-worth individuals and families, business owners, and institutional clients.
Some key performance indicators (KPIs) to evaluate Comericas financial health and performance include: Net Interest Margin (NIM), Efficiency Ratio, Return on Assets (ROA), and Loan-to-Deposit Ratio. A high NIM indicates Comericas ability to maintain a healthy margin between interest income and expense. A lower Efficiency Ratio suggests better cost management, while a higher ROA indicates effective asset utilization. A Loan-to-Deposit Ratio within a reasonable range (e.g., 80-100%) indicates a balanced lending and deposit gathering strategy.
Additionally, Comericas capital position and asset quality are also important factors to consider. The companys Capital Adequacy Ratio and Tangible Common Equity (TCE) ratio can provide insights into its capital strength. Asset quality can be evaluated through metrics such as Non-Performing Assets (NPA) ratio and Provision Coverage Ratio (PCR). A strong capital position and good asset quality are essential for a banks long-term sustainability.
CMA Stock Overview
| Market Cap in USD | 9,056m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 1990-03-26 |
CMA Stock Ratings
| Growth Rating | 9.52% |
| Fundamental | 55.1% |
| Dividend Rating | 67.6% |
| Return 12m vs S&P 500 | 5.03% |
| Analyst Rating | 2.82 of 5 |
CMA Dividends
| Dividend Yield 12m | 4.37% |
| Yield on Cost 5y | 9.29% |
| Annual Growth 5y | 0.87% |
| Payout Consistency | 94.5% |
| Payout Ratio | 55.5% |
CMA Growth Ratios
| Growth Correlation 3m | 89.4% |
| Growth Correlation 12m | 17.2% |
| Growth Correlation 5y | -6.8% |
| CAGR 5y | 1.68% |
| CAGR/Max DD 3y | 0.03 |
| CAGR/Mean DD 3y | 0.08 |
| Sharpe Ratio 12m | -0.46 |
| Alpha | 0.00 |
| Beta | 0.969 |
| Volatility | 30.24% |
| Current Volume | 1854.7k |
| Average Volume 20d | 1732.5k |
| Stop Loss | 67.2 (-3.4%) |
| Signal | 0.31 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (725.0m TTM) > 0 and > 6% of Revenue (6% = 291.5m TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA 0.88pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1014 % (prev -1139 %; Δ 124.6pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 1.44b > Net Income 725.0m (YES >=105%, WARN >=100%) |
| Net Debt (3.40b) to EBITDA (1.02b) ratio: 3.33 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.22 (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 66.17% (prev 62.88%; Δ 3.28pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 6.17% (prev 6.49%; Δ -0.32pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.60 (EBITDA TTM 1.02b / Interest Expense TTM 1.54b) >= 6 (WARN >= 3) |
Altman Z'' -3.40
| (A) -0.63 = (Total Current Assets 13.65b - Total Current Liabilities 62.93b) / Total Assets 77.99b |
| (B) 0.16 = Retained Earnings (Balance) 12.19b / Total Assets 77.99b |
| (C) 0.01 = EBIT TTM 921.0m / Avg Total Assets 78.79b |
| (D) 0.15 = Book Value of Equity 10.83b / Total Liabilities 71.13b |
| Total Rating: -3.40 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 55.09
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield 27.67% = 5.0 |
| 3. FCF Margin 27.60% = 6.90 |
| 4. Debt/Equity 1.27 = 1.75 |
| 5. Debt/Ebitda 8.52 = -2.50 |
| 6. ROIC - WACC (= -1.28)% = -1.60 |
| 7. RoE 10.42% = 0.87 |
| 8. Rev. Trend 17.50% = 1.31 |
| 9. EPS Trend -92.85% = -4.64 |
What is the price of CMA shares?
Over the past week, the price has changed by +1.51%, over one month by +3.81%, over three months by +27.82% and over the past year by +24.49%.
Is Comerica a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of CMA is around 66.66 USD . This means that CMA is currently overvalued and has a potential downside of -4.21%.
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 | 67.5 | -3% |
| Analysts Target Price | 67.5 | -3% |
| ValueRay Target Price | 73 | 4.9% |
Last update: 2025-09-15 04:33
CMA Fundamental Data Overview
CCE Cash And Equivalents = 12.90b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 13.524
P/E Forward = 12.5156
P/S = 2.8168
P/B = 1.3201
P/EG = 4.4685
Beta = 0.987
Revenue TTM = 4.86b USD
EBIT TTM = 921.0m USD
EBITDA TTM = 1.02b USD
Long Term Debt = 5.76b USD (from longTermDebt, last quarter)
Short Term Debt = 2.92b USD (from shortTermDebt, last quarter)
Debt = 8.69b USD (Calculated: Short Term 2.92b + Long Term 5.76b)
Net Debt = 3.40b USD (from netDebt column, last quarter)
Enterprise Value = 4.85b USD (9.06b + Debt 8.69b - CCE 12.90b)
Interest Coverage Ratio = 0.60 (Ebit TTM 921.0m / Interest Expense TTM 1.54b)
FCF Yield = 27.67% (FCF TTM 1.34b / Enterprise Value 4.85b)
FCF Margin = 27.60% (FCF TTM 1.34b / Revenue TTM 4.86b)
Net Margin = 14.92% (Net Income TTM 725.0m / Revenue TTM 4.86b)
Gross Margin = 66.17% ((Revenue TTM 4.86b - Cost of Revenue TTM 1.64b) / Revenue TTM)
Tobins Q-Ratio = 0.45 (Enterprise Value 4.85b / Book Value Of Equity 10.83b)
Interest Expense / Debt = 4.10% (Interest Expense 356.0m / Debt 8.69b)
Taxrate = 21.40% (190.0m / 888.0m)
NOPAT = 723.9m (EBIT 921.0m * (1 - 21.40%))
Current Ratio = 0.22 (Total Current Assets 13.65b / Total Current Liabilities 62.93b)
Debt / Equity = 1.27 (Debt 8.69b / last Quarter total Stockholder Equity 6.86b)
Debt / EBITDA = 8.52 (Net Debt 3.40b / EBITDA 1.02b)
Debt / FCF = 6.48 (Debt 8.69b / FCF TTM 1.34b)
Total Stockholder Equity = 6.96b (last 4 quarters mean)
RoA = 0.93% (Net Income 725.0m, Total Assets 77.99b )
RoE = 10.42% (Net Income TTM 725.0m / Total Stockholder Equity 6.96b)
RoCE = 7.24% (Ebit 921.0m / (Equity 6.96b + L.T.Debt 5.76b))
RoIC = 5.19% (NOPAT 723.9m / Invested Capital 13.94b)
WACC = 6.47% (E(9.06b)/V(17.74b) * Re(9.59%)) + (D(8.69b)/V(17.74b) * Rd(4.10%) * (1-Tc(0.21)))
Shares Correlation 3-Years: 60.30 | Cagr: 0.07%
Discount Rate = 9.59% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 76.58% ; FCFE base≈1.07b ; Y1≈1.32b ; Y5≈2.26b
Fair Price DCF = 226.5 (DCF Value 29.12b / Shares Outstanding 128.5m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: -92.85 | EPS CAGR: -22.28% | SUE: 0.77 | # QB: 0
Revenue Correlation: 17.50 | Revenue CAGR: 5.95% | SUE: N/A | # QB: None
Additional Sources for CMA Stock
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Fund Manager Positions: Dataroma | Stockcircle