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COMERICA INC (CMA) Stock Fundamental Analysis

NYSE:CMA - New York Stock Exchange, Inc. - US2003401070 - Common Stock - Currency: USD

63.83  +0.41 (+0.65%)

After market: 63.83 0 (0%)

Fundamental Rating

3

CMA gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 394 industry peers in the Banks industry. Both the profitability and financial health of CMA have multiple concerns. 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.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

CMA had positive earnings in the past year.
In the past year CMA had a positive cash flow from operations.
Each year in the past 5 years CMA has been profitable.
In the past 5 years CMA always reported a positive cash flow from operatings.
CMA Yearly Net Income VS EBIT VS OCF VS FCFCMA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

1.2 Ratios

The Return On Assets of CMA (0.91%) is comparable to the rest of the industry.
CMA has a better Return On Equity (10.00%) than 65.74% of its industry peers.
Industry RankSector Rank
ROA 0.91%
ROE 10%
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
CMA Yearly ROA, ROE, ROICCMA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

Looking at the Profit Margin, with a value of 21.44%, CMA is in line with its industry, outperforming 41.88% of the companies in the same industry.
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 RankSector Rank
OM N/A
PM (TTM) 21.44%
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
CMA Yearly Profit, Operating, Gross MarginsCMA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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2

2. Health

2.1 Basic Checks

CMA does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CMA has been reduced compared to 1 year ago.
The number of shares outstanding for CMA has been reduced compared to 5 years ago.
Compared to 1 year ago, CMA has a worse debt to assets ratio.
CMA Yearly Shares OutstandingCMA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
CMA Yearly Total Debt VS Total AssetsCMA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B

2.2 Solvency

CMA has a debt to FCF ratio of 2.86. This is a good value and a sign of high solvency as CMA would need 2.86 years to pay back of all of its debts.
CMA has a worse Debt to FCF ratio (2.86) than 62.44% of its industry peers.
CMA has a Debt/Equity ratio of 0.39. This is a healthy value indicating a solid balance between debt and equity.
CMA's Debt to Equity ratio of 0.39 is on the low side compared to the rest of the industry. CMA is outperformed by 74.87% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.39
Debt/FCF 2.86
Altman-Z N/A
ROIC/WACCN/A
WACC14.21%
CMA Yearly LT Debt VS Equity VS FCFCMA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CMA Yearly Current Assets VS Current LiabilitesCMA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

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3

3. Growth

3.1 Past

CMA shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -17.73%.
The Earnings Per Share has been decreasing by -6.99% on average over the past years.
The Revenue has decreased by -2.86% in the past year.
The Revenue has been decreasing by -0.64% on average over the past years.
EPS 1Y (TTM)-17.73%
EPS 3Y-13.01%
EPS 5Y-6.99%
EPS Q2Q%-3.1%
Revenue 1Y (TTM)-2.86%
Revenue growth 3Y3.02%
Revenue growth 5Y-0.64%
Sales Q2Q%5.74%

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-3.51%
EPS Next 2Y2.27%
EPS Next 3Y4.01%
EPS Next 5Y1.31%
Revenue Next Year3.53%
Revenue Next 2Y3.18%
Revenue Next 3Y3.08%
Revenue Next 5Y1.52%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
CMA Yearly Revenue VS EstimatesCMA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 1B 2B 3B
CMA Yearly EPS VS EstimatesCMA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2 4 6 8

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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 11.76, which indicates a very decent valuation of CMA.
63.45% of the companies in the same industry are more expensive than CMA, based on the Price/Earnings ratio.
CMA is valuated cheaply when we compare the Price/Earnings ratio to 27.52, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 11.16, which indicates a very decent valuation of CMA.
The rest of the industry has a similar Price/Forward Earnings ratio as CMA.
When comparing the Price/Forward Earnings ratio of CMA to the average of the S&P500 Index (35.58), we can say CMA is valued rather cheaply.
Industry RankSector Rank
PE 11.76
Fwd PE 11.16
CMA Price Earnings VS Forward Price EarningsCMA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

76.90% of the companies in the same industry are more expensive than CMA, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 8.75
EV/EBITDA N/A
CMA Per share dataCMA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y2.27%
EPS Next 3Y4.01%

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7

5. Dividend

5.1 Amount

CMA has a Yearly Dividend Yield of 4.44%, which is a nice return.
CMA's Dividend Yield is rather good when compared to the industry average which is at 3.31. CMA pays more dividend than 82.99% of the companies in the same industry.
CMA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.35.
Industry RankSector Rank
Dividend Yield 4.44%

5.2 History

The dividend of CMA has a limited annual growth rate of 2.70%.
CMA has been paying a dividend for at least 10 years, so it has a reliable track record.
CMA has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)2.7%
Div Incr Years0
Div Non Decr Years7
CMA Yearly Dividends per shareCMA Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2 2.5

5.3 Sustainability

CMA pays out 56.88% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of CMA is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP56.88%
EPS Next 2Y2.27%
EPS Next 3Y4.01%
CMA Yearly Income VS Free CF VS DividendCMA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B
CMA Dividend Payout.CMA Dividend Payout, showing the Payout Ratio.CMA Dividend Payout.PayoutRetained Earnings

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COMERICA INC

NYSE:CMA (7/14/2025, 4:27:38 PM)

After market: 63.83 0 (0%)

63.83

+0.41 (+0.65%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-21 2025-04-21/bmo
Earnings (Next)07-18 2025-07-18/bmo
Inst Owners87.53%
Inst Owner Change0%
Ins Owners0.8%
Ins Owner Change4.69%
Market Cap8.39B
Analysts53.1
Price Target61.06 (-4.34%)
Short Float %3.7%
Short Ratio3.33
Dividend
Industry RankSector Rank
Dividend Yield 4.44%
Yearly Dividend3.04
Dividend Growth(5Y)2.7%
DP56.88%
Div Incr Years0
Div Non Decr Years7
Ex-Date06-13 2025-06-13 (0.71)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.48%
Min EPS beat(2)5.23%
Max EPS beat(2)9.73%
EPS beat(4)4
Avg EPS beat(4)12.93%
Min EPS beat(4)5.23%
Max EPS beat(4)23.68%
EPS beat(8)8
Avg EPS beat(8)10.81%
EPS beat(12)12
Avg EPS beat(12)8.07%
EPS beat(16)15
Avg EPS beat(16)9.77%
Revenue beat(2)0
Avg Revenue beat(2)-1.31%
Min Revenue beat(2)-1.34%
Max Revenue beat(2)-1.27%
Revenue beat(4)1
Avg Revenue beat(4)-0.85%
Min Revenue beat(4)-1.34%
Max Revenue beat(4)0.29%
Revenue beat(8)3
Avg Revenue beat(8)-1.57%
Revenue beat(12)7
Avg Revenue beat(12)-0.68%
Revenue beat(16)10
Avg Revenue beat(16)-0.45%
PT rev (1m)0.35%
PT rev (3m)-11.72%
EPS NQ rev (1m)-1.51%
EPS NQ rev (3m)-4.29%
EPS NY rev (1m)0.31%
EPS NY rev (3m)0.21%
Revenue NQ rev (1m)-0.03%
Revenue NQ rev (3m)-1.01%
Revenue NY rev (1m)0.03%
Revenue NY rev (3m)-0.64%
Valuation
Industry RankSector Rank
PE 11.76
Fwd PE 11.16
P/S 2.55
P/FCF 8.75
P/OCF 7.77
P/B 1.19
P/tB 1.19
EV/EBITDA N/A
EPS(TTM)5.43
EY8.51%
EPS(NY)5.72
Fwd EY8.96%
FCF(TTM)7.3
FCFY11.43%
OCF(TTM)8.21
OCFY12.86%
SpS25.03
BVpS53.66
TBVpS53.66
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.91%
ROE 10%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.44%
GM N/A
FCFM 29.16%
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-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.39
Debt/FCF 2.86
Debt/EBITDA N/A
Cap/Depr 121.21%
Cap/Sales 3.65%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 136.03%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC14.21%
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)-17.73%
EPS 3Y-13.01%
EPS 5Y-6.99%
EPS Q2Q%-3.1%
EPS Next Y-3.51%
EPS Next 2Y2.27%
EPS Next 3Y4.01%
EPS Next 5Y1.31%
Revenue 1Y (TTM)-2.86%
Revenue growth 3Y3.02%
Revenue growth 5Y-0.64%
Sales Q2Q%5.74%
Revenue Next Year3.53%
Revenue Next 2Y3.18%
Revenue Next 3Y3.08%
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 1Y-44.37%
FCF growth 3Y-7.39%
FCF growth 5Y-14.9%
OCF growth 1Y-40.39%
OCF growth 3Y-1.77%
OCF growth 5Y-11.23%