COMERICA INC (CMA) Fundamental Analysis & Valuation

NYSE:CMA • US2003401070

Current stock price

88.67 USD
-4.19 (-4.51%)
At close:
90.85 USD
+2.18 (+2.46%)
After Hours:

This CMA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. CMA Profitability Analysis

1.1 Basic Checks

  • In the past year CMA was profitable.
  • In the past year CMA had a positive cash flow from operations.
  • Each year in the past 5 years CMA has been profitable.
  • Of the past 5 years CMA 4 years had a positive operating cash flow.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

1.2 Ratios

  • CMA has a Return On Assets of 0.89%. This is comparable to the rest of the industry: CMA outperforms 48.44% of its industry peers.
  • Looking at the Return On Equity, with a value of 9.29%, CMA is in line with its industry, outperforming 54.43% of the companies in the same industry.
Industry RankSector Rank
ROA 0.89%
ROE 9.29%
ROIC N/A
ROA(3y)0.9%
ROA(5y)1.04%
ROE(3y)10.85%
ROE(5y)13.73%
ROIC(3y)N/A
ROIC(5y)N/A
CMA Yearly ROA, ROE, ROICCMA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • Looking at the Profit Margin, with a value of 20.65%, CMA is doing worse than 65.89% of the companies in the same industry.
  • In the last couple of years the Profit Margin of CMA has grown nicely.
  • 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) 20.65%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-13.53%
PM growth 5Y4.4%
GM growth 3YN/A
GM growth 5YN/A
CMA Yearly Profit, Operating, Gross MarginsCMA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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1

2. CMA Health Analysis

2.1 Basic Checks

  • CMA does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • CMA has less shares outstanding than it did 1 year ago.
  • CMA has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for CMA is higher compared to a year ago.
CMA Yearly Shares OutstandingCMA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
CMA Yearly Total Debt VS Total AssetsCMA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B

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 has a worse Debt to FCF ratio (100.67) than 84.90% 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 has a Debt to Equity ratio of 0.33. This is in the lower half of the industry: CMA underperforms 69.01% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 100.67
Altman-Z N/A
ROIC/WACCN/A
WACC12.98%
CMA Yearly LT Debt VS Equity VS FCFCMA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. CMA Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 0.18% over the past year.
  • CMA shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.88% yearly.
  • Looking at the last year, CMA shows a very strong growth in Revenue. The Revenue has grown by 81.32%.
  • Measured over the past years, CMA shows a small growth in Revenue. The Revenue has been growing by 2.94% on average per year.
EPS 1Y (TTM)0.18%
EPS 3Y-13.51%
EPS 5Y10.88%
EPS Q2Q%7.35%
Revenue 1Y (TTM)81.32%
Revenue growth 3Y-1.61%
Revenue growth 5Y2.94%
Sales Q2Q%1.8%

3.2 Future

  • CMA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.40% yearly.
  • Based on estimates for the next years, CMA will show a small growth in Revenue. The Revenue will grow by 1.63% on average per year.
EPS Next Y1.86%
EPS Next 2Y4.78%
EPS Next 3Y-3.87%
EPS Next 5Y2.4%
Revenue Next Year2.47%
Revenue Next 2Y2.77%
Revenue Next 3Y0.48%
Revenue Next 5Y1.63%

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 decreasing.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
CMA Yearly Revenue VS EstimatesCMA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 1B 2B 3B 4B
CMA Yearly EPS VS EstimatesCMA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 2 4 6 8

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2

4. CMA Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 16.18, CMA is valued correctly.
  • Compared to the rest of the industry, the Price/Earnings ratio of CMA indicates a slightly more expensive valuation: CMA is more expensive than 72.66% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.35, CMA is valued a bit cheaper.
  • The Price/Forward Earnings ratio is 15.89, which indicates a correct valuation of CMA.
  • 73.70% of the companies in the same industry are cheaper than CMA, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of CMA to the average of the S&P500 Index (22.61), we can say CMA is valued slightly cheaper.
Industry RankSector Rank
PE 16.18
Fwd PE 15.89
CMA Price Earnings VS Forward Price EarningsCMA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, CMA is valued expensively inside the industry as 83.59% of the companies are valued cheaper.
Industry RankSector Rank
P/FCF 472.13
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

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates CMA does not grow enough to justify the current Price/Earnings ratio.
  • CMA's earnings are expected to decrease with -3.87% in the coming years. This may justify a cheaper valuation.
PEG (NY)8.72
PEG (5Y)1.49
EPS Next 2Y4.78%
EPS Next 3Y-3.87%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. CMA Dividend Analysis

5.1 Amount

  • CMA has a Yearly Dividend Yield of 3.20%. 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 2.66.
  • CMA's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 3.2%

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
CMA Yearly Dividends per shareCMA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2 2.5

5.3 Sustainability

  • CMA pays out 57.68% 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.
DP57.68%
EPS Next 2Y4.78%
EPS Next 3Y-3.87%
CMA Yearly Income VS Free CF VS DividendCMA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B
CMA Dividend Payout.CMA Dividend Payout, showing the Payout Ratio.CMA Dividend Payout.PayoutRetained Earnings

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CMA Fundamentals: All Metrics, Ratios and Statistics

COMERICA INC

NYSE:CMA (1/30/2026, 8:04:00 PM)

After market: 90.85 +2.18 (+2.46%)

88.67

-4.19 (-4.51%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20
Earnings (Next)04-21
Inst Owners91.58%
Inst Owner Change-0.4%
Ins Owners0.84%
Ins Owner Change-68.88%
Market Cap11.33B
Revenue(TTM)5.88B
Net Income(TTM)690.00M
Analysts65.22
Price Target86.5 (-2.45%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.2%
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)4.24%
PT rev (3m)11.67%
EPS NQ rev (1m)-0.11%
EPS NQ rev (3m)-0.85%
EPS NY rev (1m)0.49%
EPS NY rev (3m)-0.04%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)-0.27%
Revenue NY rev (1m)-0.37%
Revenue NY rev (3m)-0.66%
Valuation
Industry RankSector Rank
PE 16.18
Fwd PE 15.89
P/S 3.39
P/FCF 472.13
P/OCF 90.65
P/B 1.53
P/tB 1.53
EV/EBITDA N/A
EPS(TTM)5.48
EY6.18%
EPS(NY)5.58
Fwd EY6.29%
FCF(TTM)0.19
FCFY0.21%
OCF(TTM)0.98
OCFY1.1%
SpS26.14
BVpS58.13
TBVpS58.13
PEG (NY)8.72
PEG (5Y)1.49
Graham Number84.66
Profitability
Industry RankSector 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)0.9%
ROA(5y)1.04%
ROE(3y)10.85%
ROE(5y)13.73%
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-13.53%
PM growth 5Y4.4%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector 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-Score6
WACC12.98%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)0.18%
EPS 3Y-13.51%
EPS 5Y10.88%
EPS Q2Q%7.35%
EPS Next Y1.86%
EPS Next 2Y4.78%
EPS Next 3Y-3.87%
EPS Next 5Y2.4%
Revenue 1Y (TTM)81.32%
Revenue growth 3Y-1.61%
Revenue growth 5Y2.94%
Sales Q2Q%1.8%
Revenue Next Year2.47%
Revenue Next 2Y2.77%
Revenue Next 3Y0.48%
Revenue Next 5Y1.63%
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-98.74%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-93.98%
OCF growth 3YN/A
OCF growth 5YN/A

COMERICA INC / CMA Fundamental Analysis FAQ

What is the ChartMill fundamental rating of COMERICA INC (CMA) stock?

ChartMill assigns a fundamental rating of 3 / 10 to CMA.


Can you provide the valuation status for COMERICA INC?

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 PE and PB ratios for CMA stock?

The Price/Earnings (PE) ratio for COMERICA INC (CMA) is 16.18 and the Price/Book (PB) ratio is 1.53.


Can you provide the expected EPS growth for CMA stock?

The Earnings per Share (EPS) of COMERICA INC (CMA) is expected to grow by 1.86% in the next year.