(CMA) Comerica - Ratings and Ratios
Loans, Deposits, Cards, Advisory, Planning
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 4.36% |
| Yield on Cost 5y | 5.83% |
| Yield CAGR 5y | 1.09% |
| Payout Consistency | 94.4% |
| Payout Ratio | 54.3% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 36.9% |
| Value at Risk 5%th | 54.0% |
| Relative Tail Risk | -10.91% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.41 |
| Alpha | 41.87 |
| CAGR/Max DD | 0.26 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.342 |
| Beta | 1.071 |
| Beta Downside | 1.278 |
| Drawdowns 3y | |
|---|---|
| Max DD | 58.75% |
| Mean DD | 21.61% |
| Median DD | 21.82% |
Description: CMA Comerica January 07, 2026
Comerica Inc. (NYSE:CMA) is a diversified bank operating in the United States, Canada, and Mexico through three segments: Commercial Bank, Retail Bank, and Wealth Management. The Commercial Bank serves small- to mid-size companies, multinational corporations, and government entities with loans, cash-management, trade finance, and capital-market services. The Retail Bank offers consumer deposits, mortgages, credit cards, and other personal-finance products. The Wealth Management arm provides financial planning, trust, investment advisory, and private-banking services to high-net-worth individuals and institutions.
Key recent metrics (Q4 2023) show a net interest margin of roughly 3.3%, a loan-to-deposit ratio near 84%, and a return on equity of about 13%, while the CET1 capital ratio stands at 13.5%, indicating solid capital strength relative to peers.
Primary economic drivers for Comerica include the Federal Reserve’s interest-rate trajectory, which directly impacts net interest income, and regional loan demand in Texas and the Southwest, where the bank’s exposure to energy-related businesses makes oil-price fluctuations a material factor. A broader sector trend is the ongoing consolidation among regional banks, pressuring margins but also creating acquisition opportunities.
For a deeper quantitative view of CMA’s risk-adjusted returns, the ValueRay platform offers a concise dashboard worth a look.
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income: 717.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA -2.35 > 1.0 |
| NWC/Revenue: -932.1% < 20% (prev -1087 %; Δ 154.5% < -1%) |
| CFO/TA 0.00 > 3% & CFO 125.0m > Net Income 717.0m |
| Net Debt (383.0m) to EBITDA (1.01b): 0.38 < 3 |
| Current Ratio: 0.28 > 1.5 & < 3 |
| Outstanding Shares: last quarter (133.0m) vs 12m ago -0.75% < -2% |
| Gross Margin: 67.23% > 18% (prev 0.63%; Δ 6661 % > 0.5%) |
| Asset Turnover: 6.13% > 50% (prev 6.31%; Δ -0.18% > 0%) |
| Interest Coverage Ratio: 0.62 > 6 (EBITDA TTM 1.01b / Interest Expense TTM 1.47b) |
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 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) |
| Altman-Z'' Score: -3.04 = D |
Beneish M -3.14
| DSRI: 1.06 (Receivables 782.0m/767.0m, Revenue 4.81b/5.02b) |
| GMI: 0.94 (GM 67.23% / 62.93%) |
| AQI: 0.86 (AQ_t 0.76 / AQ_t-1 0.89) |
| SGI: 0.96 (Revenue 4.81b / 5.02b) |
| TATA: 0.01 (NI 717.0m - CFO 125.0m) / TA 77.38b) |
| Beneish M-Score: -3.14 (Cap -4..+1) = AA |
ValueRay F-Score (Strict, 0-100) 56.94
| 1. Piotroski: 3.50pt |
| 2. FCF Yield: 16.22% |
| 3. FCF Margin: 0.50% |
| 4. Debt/Equity: 0.73 |
| 5. Debt/Ebitda: 0.38 |
| 6. ROIC - WACC: -3.22% |
| 7. RoE: 10.29% |
| 8. Revenue Trend: 66.94% |
| 9. EPS Trend: -63.40% |
What is the price of CMA shares?
Over the past week, the price has changed by +1.25%, over one month by +6.47%, over three months by +22.42% and over the past year by +57.39%.
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 | 88.6 | -6.4% |
| Analysts Target Price | 88.6 | -6.4% |
| ValueRay Target Price | 106.3 | 12.3% |
CMA Fundamental Data Overview January 19, 2026
P/E Forward = 16.3666
P/S = 3.6196
P/B = 1.6635
P/EG = 5.8418
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 = 147.9m USD (11.71b + Debt 5.42b - CCE 16.98b)
Interest Coverage Ratio = 0.62 (Ebit TTM 913.0m / Interest Expense TTM 1.47b)
EV/FCF = 6.16x (Enterprise Value 147.9m / FCF TTM 24.0m)
FCF Yield = 16.22% (FCF TTM 24.0m / Enterprise Value 147.9m)
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 = 0.00 (Enterprise Value 147.9m / 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 = 0.91% (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 = 8.42% (E(11.71b)/V(17.13b) * Re(9.86%) + D(5.42b)/V(17.13b) * Rd(6.86%) * (1-Tc(0.22)))
Discount Rate = 9.86% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 0.09%
[DCF Debug] Terminal Value 79.90% ; FCFF base≈774.0m ; Y1≈954.8m ; Y5≈1.63b
Fair Price DCF = 195.0 (EV 25.31b - Net Debt 383.0m = Equity 24.93b / Shares 127.8m; r=8.42% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: -63.40 | EPS CAGR: -3.01% | SUE: 1.89 | # QB: 1
Revenue Correlation: 66.94 | Revenue CAGR: 13.08% | SUE: 0.64 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.20 | Chg30d=-0.006 | Revisions Net=+1 | Analysts=10
EPS next Year (2026-12-31): EPS=5.41 | Chg30d=-0.030 | Revisions Net=+0 | Growth EPS=+6.8% | Growth Revenue=+2.5%
Additional Sources for CMA Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle