(CMA) Comerica - Ratings and Ratios
Commercial Loans, Deposits, Wealth Management, Consumer Banking, Treasury Services
CMA EPS (Earnings per Share)
CMA Revenue
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.
CMA Stock Overview
| Market Cap in USD | 9,848m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 1990-03-26 |
CMA Stock Ratings
| Growth Rating | 30.3% |
| Fundamental | 42.0% |
| Dividend Rating | 58.0% |
| Return 12m vs S&P 500 | 6.19% |
| Analyst Rating | 2.82 of 5 |
CMA Dividends
| Dividend Yield 12m | 3.60% |
| Yield on Cost 5y | 6.66% |
| Annual Growth 5y | 1.09% |
| Payout Consistency | 94.5% |
| Payout Ratio | 54.3% |
CMA Growth Ratios
| Growth Correlation 3m | 81.7% |
| Growth Correlation 12m | 42.1% |
| Growth Correlation 5y | -7.5% |
| CAGR 5y | 8.02% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.14 |
| CAGR/Mean DD 3y (Pain Ratio) | 0.37 |
| Sharpe Ratio 12m | -0.56 |
| Alpha | 13.10 |
| Beta | 0.974 |
| Volatility | 34.51% |
| Current Volume | 1382.2k |
| Average Volume 20d | 1953.7k |
| Stop Loss | 76.5 (-3%) |
| Signal | 0.75 |
Piotroski VR‑10 (Strict, 0-10) 2.5
| Net Income (717.0m TTM) > 0 and > 6% of Revenue (6% = 272.8m TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA 0.90pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1056 % (prev -1087 %; Δ 30.55pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 1.44b > Net Income 717.0m (YES >=105%, WARN >=100%) |
| Net Debt (5.42b) to EBITDA (989.0m) ratio: 5.48 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.25 (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 74.00% (prev 62.93%; Δ 11.07pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 5.79% (prev 6.31%; Δ -0.52pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.47 (EBITDA TTM 989.0m / Interest Expense TTM 1.47b) >= 6 (WARN >= 3) |
Altman Z'' -3.33
| (A) -0.62 = (Total Current Assets 15.80b - Total Current Liabilities 63.81b) / Total Assets 77.38b |
| (B) 0.16 = Retained Earnings (Balance) 12.27b / Total Assets 77.38b |
| (C) 0.01 = EBIT TTM 686.0m / Avg Total Assets 78.52b |
| (D) 0.16 = Book Value of Equity 11.15b / Total Liabilities 69.95b |
| Total Rating: -3.33 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 41.98
| 1. Piotroski 2.50pt = -2.50 |
| 2. FCF Yield data missing |
| 3. FCF Margin 29.50% = 7.37 |
| 4. Debt/Equity 0.73 = 2.24 |
| 5. Debt/Ebitda 5.48 = -2.50 |
| 6. ROIC - WACC (= -4.28)% = -5.35 |
| 7. RoE 10.29% = 0.86 |
| 8. Rev. Trend -53.08% = -3.98 |
| 9. EPS Trend -83.31% = -4.17 |
What is the price of CMA shares?
Over the past week, the price has changed by +3.12%, over one month by -1.45%, over three months by +20.73% and over the past year by +21.08%.
Is Comerica a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of CMA is around 74.53 USD . This means that CMA is currently overvalued and has a potential downside of -5.53%.
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 | 78.9 | 0% |
| Analysts Target Price | 78.9 | 0% |
| ValueRay Target Price | 82.8 | 4.9% |
CMA Fundamental Data Overview October 31, 2025
P/E Trailing = 14.74
P/E Forward = 12.3916
P/S = 3.045
P/B = 1.3137
P/EG = 4.4245
Beta = 0.974
Revenue TTM = 4.55b USD
EBIT TTM = 686.0m USD
EBITDA TTM = 989.0m USD
Long Term Debt = 6.67b USD (from longTermDebt, last fiscal year)
Short Term Debt = 1.41b USD (from shortTermDebt, last fiscal year)
Debt = 5.42b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 5.42b USD (from netDebt column, last quarter)
Enterprise Value = -532.3m USD (9.85b + Debt 5.42b - CCE 15.80b)
Interest Coverage Ratio = 0.47 (Ebit TTM 686.0m / Interest Expense TTM 1.47b)
FCF Yield = -251.9% (FCF TTM 1.34b / Enterprise Value -532.3m)
FCF Margin = 29.50% (FCF TTM 1.34b / Revenue TTM 4.55b)
Net Margin = 15.77% (Net Income TTM 717.0m / Revenue TTM 4.55b)
Gross Margin = 74.00% ((Revenue TTM 4.55b - Cost of Revenue TTM 1.18b) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 66.80%)
Tobins Q-Ratio = -0.01 (set to none) (Enterprise Value -532.3m / Total Assets 77.38b)
Interest Expense / Debt = 6.86% (Interest Expense 372.0m / Debt 5.42b)
Taxrate = 22.47% (51.0m / 227.0m)
NOPAT = 531.9m (EBIT 686.0m * (1 - 22.47%))
Current Ratio = 0.25 (Total Current Assets 15.80b / Total Current Liabilities 63.81b)
Debt / Equity = 0.73 (Debt 5.42b / totalStockholderEquity, last quarter 7.43b)
Debt / EBITDA = 5.48 (Net Debt 5.42b / EBITDA 989.0m)
Debt / FCF = 4.04 (Net Debt 5.42b / FCF TTM 1.34b)
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 = 5.03% (EBIT 686.0m / Capital Employed (Equity 6.97b + L.T.Debt 6.67b))
RoIC = 3.80% (NOPAT 531.9m / Invested Capital 13.99b)
WACC = 8.08% (E(9.85b)/V(15.27b) * Re(9.60%) + D(5.42b)/V(15.27b) * Rd(6.86%) * (1-Tc(0.22)))
Discount Rate = 9.60% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 0.09%
[DCF Debug] Terminal Value 76.55% ; FCFE base≈1.07b ; Y1≈1.32b ; Y5≈2.26b
Fair Price DCF = 227.6 (DCF Value 29.07b / Shares Outstanding 127.7m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: -83.31 | EPS CAGR: -18.30% | SUE: 1.89 | # QB: 1
Revenue Correlation: -53.08 | Revenue CAGR: -6.97% | SUE: 0.18 | # QB: 0
Additional Sources for CMA Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle