COMERICA INC (CMA) Stock Fundamental Analysis
USA - NYSE:CMA - US2003401070 - Common Stock
69.64 USD
-0.7 (-1%)
Overall CMA gets a fundamental rating of 3 out of 10. We evaluated CMA against 392 industry peers in the Banks industry. CMA has a bad profitability rating. Also its financial health evaluation is rather negative. CMA has a valuation in line with the averages, but it does not seem to be growing. Finally CMA also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year CMA was profitable.
In the past year CMA had a positive cash flow from operations.
In the past 5 years CMA has always been profitable.
CMA had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
CMA has a Return On Assets (0.89%) which is in line with its industry peers.
The Return On Equity of CMA (10.09%) is better than 66.58% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.89% | ||
| ROE | 10.09% | ||
| 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
1.3 Margins
CMA has a worse Profit Margin (20.88%) than 61.48% of its industry peers.
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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 20.88% | ||
| 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
2. Health
2.1 Basic Checks
CMA does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CMA has less shares outstanding
Compared to 5 years ago, CMA has less shares outstanding
CMA has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of CMA is 2.06, which is a good value as it means it would take CMA, 2.06 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of CMA (2.06) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.40 indicates that CMA is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.40, CMA is doing worse than 73.47% of the companies in the same industry.
Even though the debt/equity ratio score it not favorable for CMA, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.4 | ||
| Debt/FCF | 2.06 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.91%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
CMA shows a small growth in Revenue. In the last year, the Revenue has grown by 0.85%.
CMA shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.64% yearly.
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.
CMA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.52% yearly.
EPS Next Y-3.19%
EPS Next 2Y2.19%
EPS Next 3Y4.38%
EPS Next 5Y1.31%
Revenue Next Year3.08%
Revenue Next 2Y2.99%
Revenue Next 3Y2.91%
Revenue Next 5Y1.52%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 12.99, which indicates a correct valuation of CMA.
CMA's Price/Earnings is on the same level as the industry average.
CMA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.41.
With a Price/Forward Earnings ratio of 12.19, CMA is valued correctly.
Based on the Price/Forward Earnings ratio, CMA is valued a bit more expensive than the industry average as 64.29% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.88, CMA is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.99 | ||
| Fwd PE | 12.19 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CMA is valued cheaply inside the industry as 88.27% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.67 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y2.19%
EPS Next 3Y4.38%
5. Dividend
5.1 Amount
CMA has a Yearly Dividend Yield of 6.75%, which is a nice return.
Compared to an average industry Dividend Yield of 3.73, CMA pays a better dividend. On top of this CMA pays more dividend than 92.09% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, CMA pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.75% |
5.2 History
The dividend of CMA has a limited annual growth rate of 2.70%.
CMA has paid a dividend for at least 10 years, which is 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
5.3 Sustainability
CMA pays out 57.80% 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.
DP57.8%
EPS Next 2Y2.19%
EPS Next 3Y4.38%
NYSE:CMA (9/19/2025, 12:11:48 PM)
69.64
-0.7 (-1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners91.74%
Inst Owner Change-1.39%
Ins Owners0.82%
Ins Owner Change-0.24%
Market Cap8.95B
Analysts53.79
Price Target69.64 (0%)
Short Float %4.48%
Short Ratio2.6
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.75% |
Yearly Dividend3.04
Dividend Growth(5Y)2.7%
DP57.8%
Div Incr Years0
Div Non Decr Years7
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.38%
Min EPS beat(2)9.73%
Max EPS beat(2)13.02%
EPS beat(4)4
Avg EPS beat(4)10.26%
Min EPS beat(4)5.23%
Max EPS beat(4)13.07%
EPS beat(8)8
Avg EPS beat(8)11.56%
EPS beat(12)12
Avg EPS beat(12)8.6%
EPS beat(16)15
Avg EPS beat(16)7.93%
Revenue beat(2)0
Avg Revenue beat(2)-0.72%
Min Revenue beat(2)-1.27%
Max Revenue beat(2)-0.18%
Revenue beat(4)0
Avg Revenue beat(4)-0.96%
Min Revenue beat(4)-1.34%
Max Revenue beat(4)-0.18%
Revenue beat(8)2
Avg Revenue beat(8)-1.76%
Revenue beat(12)6
Avg Revenue beat(12)-0.83%
Revenue beat(16)9
Avg Revenue beat(16)-0.61%
PT rev (1m)4.48%
PT rev (3m)14.47%
EPS NQ rev (1m)-0.41%
EPS NQ rev (3m)-4.97%
EPS NY rev (1m)0.32%
EPS NY rev (3m)0.63%
Revenue NQ rev (1m)0.02%
Revenue NQ rev (3m)-1.3%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)-0.41%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.99 | ||
| Fwd PE | 12.19 | ||
| P/S | 2.7 | ||
| P/FCF | 6.67 | ||
| P/OCF | 6.2 | ||
| P/B | 1.3 | ||
| P/tB | 1.3 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.36
EY7.7%
EPS(NY)5.71
Fwd EY8.2%
FCF(TTM)10.43
FCFY14.98%
OCF(TTM)11.23
OCFY16.13%
SpS25.78
BVpS53.37
TBVpS53.37
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.89% | ||
| ROE | 10.09% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 20.88% | ||
| GM | N/A | ||
| FCFM | 40.46% |
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-Score9
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.4 | ||
| Debt/FCF | 2.06 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 104.04% | ||
| Cap/Sales | 3.11% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 193.79% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC13.91%
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-3.19%
EPS Next 2Y2.19%
EPS Next 3Y4.38%
EPS Next 5Y1.31%
Revenue 1Y (TTM)0.85%
Revenue growth 3Y3.02%
Revenue growth 5Y-0.64%
Sales Q2Q%3.03%
Revenue Next Year3.08%
Revenue Next 2Y2.99%
Revenue Next 3Y2.91%
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 1Y11.56%
FCF growth 3Y-7.39%
FCF growth 5Y-14.9%
OCF growth 1Y11.33%
OCF growth 3Y-1.77%
OCF growth 5Y-11.23%