COMERICA INC (CMA) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CMA - US2003401070 - Common Stock
82.94 USD
+2.08 (+2.57%)
Taking everything into account, CMA scores 3 out of 10 in our fundamental rating. CMA was compared to 387 industry peers in the Banks industry. CMA may be in some trouble as it scores bad on both profitability and health. CMA does not seem to be growing, but still is valued expensively.
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.
CMA had positive earnings in each of the past 5 years.
In the past 5 years CMA always reported a positive cash flow from operatings.
1.2 Ratios
CMA's Return On Assets of 0.89% is in line compared to the rest of the industry. CMA outperforms 49.87% of its industry peers.
Looking at the Return On Equity, with a value of 9.29%, CMA is in line with its industry, outperforming 55.81% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.89% | ||
| ROE | 9.29% | ||
| 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 (20.65%) than 64.08% of its industry peers.
In the last couple of years the Profit Margin of CMA has declined.
CMA does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 20.65% | ||
| 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.
The number of shares outstanding for CMA has been reduced compared to 1 year ago.
CMA has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, CMA has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of CMA is 100.67, which is on the high side as it means it would take CMA, 100.67 years of fcf income to pay off all of its debts.
CMA has a Debt to FCF ratio of 100.67. This is amonst the worse of the industry: CMA underperforms 85.79% of its industry peers.
CMA has a Debt/Equity ratio of 0.33. This is a healthy value indicating a solid balance between debt and equity.
CMA's Debt to Equity ratio of 0.33 is on the low side compared to the rest of the industry. CMA is outperformed by 68.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | 100.67 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.25%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for CMA have decreased by -3.41% in the last year.
Measured over the past years, CMA shows a decrease in Earnings Per Share. The EPS has been decreasing by -6.99% on average per year.
The Revenue has been growing slightly by 4.37% in the past year.
Measured over the past years, CMA shows a decrease in Revenue. The Revenue has been decreasing by -0.64% on average per year.
EPS 1Y (TTM)-3.41%
EPS 3Y-13.01%
EPS 5Y-6.99%
EPS Q2Q%1.5%
Revenue 1Y (TTM)4.37%
Revenue growth 3Y3.02%
Revenue growth 5Y-0.64%
Sales Q2Q%3.33%
3.2 Future
The Earnings Per Share is expected to grow by 1.31% on average over the next years.
The Revenue is expected to grow by 1.52% on average over the next years.
EPS Next Y-2.29%
EPS Next 2Y1.04%
EPS Next 3Y3.03%
EPS Next 5Y1.31%
Revenue Next Year2.81%
Revenue Next 2Y2.89%
Revenue Next 3Y2.89%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 15.42, the valuation of CMA can be described as correct.
69.77% of the companies in the same industry are cheaper than CMA, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of CMA to the average of the S&P500 Index (26.15), we can say CMA is valued slightly cheaper.
CMA is valuated correctly with a Price/Forward Earnings ratio of 14.85.
Based on the Price/Forward Earnings ratio, CMA is valued a bit more expensive than the industry average as 73.90% of the companies are valued more cheaply.
CMA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.22.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.42 | ||
| Fwd PE | 14.85 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CMA is valued expensively inside the industry as 84.24% of the companies are valued cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 441.45 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y1.04%
EPS Next 3Y3.03%
5. Dividend
5.1 Amount
CMA has a Yearly Dividend Yield of 3.54%. Purely for dividend investing, there may be better candidates out there.
CMA's Dividend Yield is a higher than the industry average which is at 3.15.
CMA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.54% |
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
57.68% of the earnings are spent on dividend by CMA. 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.
DP57.68%
EPS Next 2Y1.04%
EPS Next 3Y3.03%
NYSE:CMA (12/3/2025, 3:44:07 PM)
82.94
+2.08 (+2.57%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners96.4%
Inst Owner Change2.04%
Ins Owners0.82%
Ins Owner Change0.4%
Market Cap10.59B
Revenue(TTM)3.34B
Net Income(TTM)690.00M
Analysts66.67
Price Target82.02 (-1.11%)
Short Float %5.79%
Short Ratio2.98
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.54% |
Yearly Dividend3.04
Dividend Growth(5Y)2.7%
DP57.68%
Div Incr Years0
Div Non Decr Years7
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.67%
Min EPS beat(2)2.32%
Max EPS beat(2)13.02%
EPS beat(4)4
Avg EPS beat(4)7.58%
Min EPS beat(4)2.32%
Max EPS beat(4)13.02%
EPS beat(8)8
Avg EPS beat(8)10.84%
EPS beat(12)12
Avg EPS beat(12)8.78%
EPS beat(16)15
Avg EPS beat(16)7.15%
Revenue beat(2)0
Avg Revenue beat(2)-0.99%
Min Revenue beat(2)-1.79%
Max Revenue beat(2)-0.18%
Revenue beat(4)0
Avg Revenue beat(4)-1.15%
Min Revenue beat(4)-1.79%
Max Revenue beat(4)-0.18%
Revenue beat(8)1
Avg Revenue beat(8)-2.11%
Revenue beat(12)5
Avg Revenue beat(12)-1.09%
Revenue beat(16)8
Avg Revenue beat(16)-0.84%
PT rev (1m)15.83%
PT rev (3m)20.55%
EPS NQ rev (1m)-0.26%
EPS NQ rev (3m)-0.44%
EPS NY rev (1m)0.39%
EPS NY rev (3m)0.93%
Revenue NQ rev (1m)-0.25%
Revenue NQ rev (3m)-0.35%
Revenue NY rev (1m)0.03%
Revenue NY rev (3m)-0.23%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.42 | ||
| Fwd PE | 14.85 | ||
| P/S | 3.17 | ||
| P/FCF | 441.45 | ||
| P/OCF | 84.76 | ||
| P/B | 1.43 | ||
| P/tB | 1.43 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.38
EY6.49%
EPS(NY)5.58
Fwd EY6.73%
FCF(TTM)0.19
FCFY0.23%
OCF(TTM)0.98
OCFY1.18%
SpS26.15
BVpS58.16
TBVpS58.16
PEG (NY)N/A
PEG (5Y)N/A
Graham Number83.9
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.89% | ||
| ROE | 9.29% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 20.65% | ||
| GM | N/A | ||
| FCFM | 0.72% |
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
ROICexgc growth 3YN/A
ROICexgc 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-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | 100.67 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 101% | ||
| Cap/Sales | 3.02% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 3.48% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC13.25%
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)-3.41%
EPS 3Y-13.01%
EPS 5Y-6.99%
EPS Q2Q%1.5%
EPS Next Y-2.29%
EPS Next 2Y1.04%
EPS Next 3Y3.03%
EPS Next 5Y1.31%
Revenue 1Y (TTM)4.37%
Revenue growth 3Y3.02%
Revenue growth 5Y-0.64%
Sales Q2Q%3.33%
Revenue Next Year2.81%
Revenue Next 2Y2.89%
Revenue Next 3Y2.89%
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-96.06%
FCF growth 3Y-7.39%
FCF growth 5Y-14.9%
OCF growth 1Y-82.78%
OCF growth 3Y-1.77%
OCF growth 5Y-11.23%
COMERICA INC / CMA FAQ
What is the ChartMill fundamental rating of COMERICA INC (CMA) stock?
ChartMill assigns a fundamental rating of 3 / 10 to CMA.
What is the valuation status for CMA stock?
ChartMill assigns a valuation rating of 2 / 10 to COMERICA INC (CMA). This can be considered as Overvalued.
How profitable is COMERICA INC (CMA) stock?
COMERICA INC (CMA) has a profitability rating of 3 / 10.
Can you provide the expected EPS growth for CMA stock?
The Earnings per Share (EPS) of COMERICA INC (CMA) is expected to decline by -2.29% in the next year.
How sustainable is the dividend of COMERICA INC (CMA) stock?
The dividend rating of COMERICA INC (CMA) is 6 / 10 and the dividend payout ratio is 57.68%.