COMERICA INC (CMA) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CMA - US2003401070 - Common Stock
93.49 USD
+1.89 (+2.06%)
93.49 USD
0 (0%)
We assign a fundamental rating of 2 out of 10 to CMA. CMA was compared to 383 industry peers in the Banks industry. Both the profitability and financial health of CMA have multiple concerns. CMA has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
- In the past year CMA was profitable.
- CMA had a positive operating cash flow in the past year.
- 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 has a Return On Assets of 0.89%. This is comparable to the rest of the industry: CMA outperforms 48.83% of its industry peers.
- CMA has a Return On Equity of 9.29%. This is comparable to the rest of the industry: CMA outperforms 54.05% of its industry peers.
| 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 Profit Margin of 20.65%. This is in the lower half of the industry: CMA underperforms 65.27% of its industry peers.
- In the last couple of years the Profit Margin of CMA has declined.
- 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) | 20.65% | ||
| 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.
- 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
- CMA has a debt to FCF ratio of 100.67. This is a negative value and a sign of low solvency as CMA would need 100.67 years to pay back of all of its debts.
- CMA's Debt to FCF ratio of 100.67 is on the low side compared to the rest of the industry. CMA is outperformed by 85.64% 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.
- With a Debt to Equity ratio value of 0.33, CMA is not doing good in the industry: 69.71% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | 100.67 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.85%
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.
- CMA shows a small growth in Revenue. In the last year, the Revenue has grown by 4.37%.
- 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
- CMA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.31% yearly.
- The Revenue is expected to grow by 1.52% on average over the next years.
EPS Next Y-2.02%
EPS Next 2Y0.77%
EPS Next 3Y2.24%
EPS Next 5Y1.31%
Revenue Next Year2.63%
Revenue Next 2Y2.76%
Revenue Next 3Y2.69%
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 17.38, the valuation of CMA can be described as rather expensive.
- 75.20% of the companies in the same industry are cheaper than CMA, based on the Price/Earnings ratio.
- CMA's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.94.
- A Price/Forward Earnings ratio of 16.83 indicates a correct valuation of CMA.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of CMA indicates a slightly more expensive valuation: CMA is more expensive than 76.24% of the companies listed in the same industry.
- When comparing the Price/Forward Earnings ratio of CMA to the average of the S&P500 Index (23.94), we can say CMA is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.38 | ||
| Fwd PE | 16.83 |
4.2 Price Multiples
- CMA's Price/Free Cash Flow ratio is rather expensive when compared to the industry. CMA is more expensive than 84.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 497.8 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y0.77%
EPS Next 3Y2.24%
5. Dividend
5.1 Amount
- CMA has a Yearly Dividend Yield of 3.10%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.85, CMA pays a bit more dividend than its industry peers.
- CMA's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.1% |
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
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.
- The dividend of CMA is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP57.68%
EPS Next 2Y0.77%
EPS Next 3Y2.24%
93.49
+1.89 (+2.06%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-17 2025-10-17/bmo
Earnings (Next)01-23 2026-01-23/bmo
Inst Owners91.58%
Inst Owner Change-2.1%
Ins Owners0.84%
Ins Owner Change0%
Market Cap11.95B
Revenue(TTM)3.34B
Net Income(TTM)690.00M
Analysts65.22
Price Target88.02 (-5.85%)
Short Float %6.17%
Short Ratio5.55
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.1% |
Yearly Dividend3.04
Dividend Growth(5Y)2.7%
DP57.68%
Div Incr Years0
Div Non Decr Years7
Ex-DateN/A
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)7.24%
PT rev (3m)24.31%
EPS NQ rev (1m)0.04%
EPS NQ rev (3m)-1.01%
EPS NY rev (1m)0.13%
EPS NY rev (3m)1.08%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)-0.56%
Revenue NY rev (1m)-0.09%
Revenue NY rev (3m)-0.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.38 | ||
| Fwd PE | 16.83 | ||
| P/S | 3.58 | ||
| P/FCF | 497.8 | ||
| P/OCF | 95.58 | ||
| P/B | 1.61 | ||
| P/tB | 1.61 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.38
EY5.75%
EPS(NY)5.55
Fwd EY5.94%
FCF(TTM)0.19
FCFY0.2%
OCF(TTM)0.98
OCFY1.05%
SpS26.14
BVpS58.13
TBVpS58.13
PEG (NY)N/A
PEG (5Y)N/A
Graham Number83.89
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
WACC12.85%
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-2.02%
EPS Next 2Y0.77%
EPS Next 3Y2.24%
EPS Next 5Y1.31%
Revenue 1Y (TTM)4.37%
Revenue growth 3Y3.02%
Revenue growth 5Y-0.64%
Sales Q2Q%3.33%
Revenue Next Year2.63%
Revenue Next 2Y2.76%
Revenue Next 3Y2.69%
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 2 / 10 to CMA.
Can you provide the valuation status for COMERICA INC?
ChartMill assigns a valuation rating of 1 / 10 to COMERICA INC (CMA). This can be considered as Overvalued.
What is the profitability of CMA stock?
COMERICA INC (CMA) has a profitability rating of 3 / 10.
How financially healthy is COMERICA INC?
The financial health rating of COMERICA INC (CMA) is 1 / 10.
Is the dividend of COMERICA INC sustainable?
The dividend rating of COMERICA INC (CMA) is 6 / 10 and the dividend payout ratio is 57.68%.