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CMA 
Comerica Incorporated (CMA)
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Upturn Advisory Summary
12/26/2025: CMA (3-star) is a STRONG-BUY. BUY since 127 days. Simulated Profits (52.27%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
22 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $82.33
1 Year Target Price $82.33
| 1 | Strong Buy |
| 3 | Buy |
| 12 | Hold |
| 3 | Sell |
| 3 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 31.21% | Avg. Invested days 41 | Today’s Advisory Regular Buy |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 12/26/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 11.24B USD | Price to earnings Ratio 17.01 | 1Y Target Price 82.33 |
Price to earnings Ratio 17.01 | 1Y Target Price 82.33 | ||
Volume (30-day avg) 22 | Beta 1.08 | 52 Weeks Range 46.67 - 89.93 | Updated Date 12/29/2025 |
52 Weeks Range 46.67 - 89.93 | Updated Date 12/29/2025 | ||
Dividends yield (FY) 3.19% | Basic EPS (TTM) 5.17 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 22.17% | Operating Margin (TTM) 29.04% |
Management Effectiveness
Return on Assets (TTM) 0.91% | Return on Equity (TTM) 9.69% |
Valuation
Trailing PE 17.01 | Forward PE 15.87 | Enterprise Value 12100965376 | Price to Sales(TTM) 3.48 |
Enterprise Value 12100965376 | Price to Sales(TTM) 3.48 | ||
Enterprise Value to Revenue 5.14 | Enterprise Value to EBITDA - | Shares Outstanding 127794131 | Shares Floating 126748805 |
Shares Outstanding 127794131 | Shares Floating 126748805 | ||
Percent Insiders 0.8 | Percent Institutions 91.49 |
Upturn AI SWOT
Comerica Incorporated
Company Overview
History and Background
Comerica Incorporated was founded in 1849 in Detroit, Michigan, as the Detroit Savings Fund Institute. It has since evolved into a diversified financial services company with a significant presence in key Midwestern and Western markets. Key milestones include its expansion into Texas and Arizona in the late 20th century, and its strategic focus on commercial banking and wealth management.
Core Business Areas
- Commercial Bank: Provides a full range of commercial banking services to businesses, including lending, treasury management, and international trade finance. This segment serves a diverse range of industries.
- Wealth Management: Offers investment management, financial planning, trust services, and retirement solutions to individuals and institutions, catering to high-net-worth clients and employee benefit plans.
- Retail Bank: Offers a range of consumer banking products and services, including checking and savings accounts, mortgages, and consumer loans through its branch network and digital channels.
Leadership and Structure
Comerica Incorporated is led by a Board of Directors and a senior executive management team. The CEO, currently Curtiss Grove, oversees the company's strategic direction and operations. The company is structured into various divisions focusing on its core business segments and geographical regions.
Top Products and Market Share
Key Offerings
- Commercial Lending: Includes commercial real estate loans, commercial and industrial loans, and agricultural loans. Competitors include large national banks and regional financial institutions.
- Treasury Management Services: Offers services such as cash concentration, payments processing, and fraud prevention to help businesses manage their finances efficiently. Competitors include large banks with robust treasury solutions.
- Personal and Business Banking: Encompasses checking, savings, money market accounts, certificates of deposit, and consumer loans. Competitors include national retail banks, credit unions, and online banking platforms.
- Wealth and Investment Management: Provides services like portfolio management, estate planning, and retirement planning. Competitors include large wealth management firms and independent financial advisors.
Market Dynamics
Industry Overview
The banking industry in the US is highly competitive, characterized by a mix of large national banks, regional banks, community banks, and credit unions. Key trends include digital transformation, increasing regulatory scrutiny, rising interest rates, and a focus on customer experience.
Positioning
Comerica Incorporated positions itself as a relationship-focused bank, particularly strong in commercial banking and serving middle-market businesses in its core geographic regions. Its competitive advantages include deep industry expertise in certain sectors (e.g., healthcare, technology) and a strong regional presence.
Total Addressable Market (TAM)
The TAM for the US banking industry is vast, encompassing trillions of dollars in deposits, loans, and investment assets. Comerica Incorporated, as a regional bank, targets specific segments within this larger TAM, focusing on its core markets and customer types rather than attempting to capture the entire market.
Upturn SWOT Analysis
Strengths
- Strong presence in key Midwestern and Western markets.
- Deep expertise in commercial banking and serving middle-market businesses.
- Established relationships with clients.
- Diversified revenue streams from commercial, wealth, and retail banking.
Weaknesses
- Smaller scale compared to national banking giants.
- Potential vulnerability to economic downturns in its core operating regions.
- Dependence on net interest income.
- Digital transformation pace compared to fintechs and larger banks.
Opportunities
- Expansion into new, high-growth markets.
- Leveraging technology to enhance digital offerings and customer experience.
- Growth in wealth management services.
- Strategic partnerships and acquisitions.
Threats
- Intensifying competition from large banks, credit unions, and fintech companies.
- Interest rate volatility.
- Economic recession or slowdown.
- Cybersecurity risks and data breaches.
- Evolving regulatory landscape.
Competitors and Market Share
Key Competitors
- JPMorgan Chase & Co. (JPM)
- Bank of America Corporation (BAC)
- Wells Fargo & Company (WFC)
- PNC Financial Services Group, Inc. (PNC)
- Huntington Bancshares Incorporated (HBAN)
- KeyCorp (KEY)
Competitive Landscape
Comerica faces intense competition from larger national banks with greater scale and broader product offerings, as well as regional banks and specialized lenders. Its advantage lies in its targeted approach to specific industries and its strong client relationships within its operating regions.
Growth Trajectory and Initiatives
Historical Growth: Comerica has experienced steady, albeit sometimes moderate, growth driven by its commercial banking segment and expansion into new markets. Profitability has been influenced by interest rate cycles and economic conditions.
Future Projections: Analyst projections often anticipate modest revenue growth, with profitability sensitive to net interest margin trends and loan growth. Focus on efficiency improvements and fee income diversification are key.
Recent Initiatives: Comerica has focused on enhancing its digital capabilities, expanding its commercial banking footprint, and optimizing its branch network. Investments in technology and talent are ongoing.
Summary
Comerica Incorporated is a well-established regional bank with a strong focus on commercial banking and wealth management. Its deep client relationships and expertise in specific industries are key strengths. However, it faces significant competition from larger institutions and must navigate evolving market dynamics and technological advancements. Continued investment in digital transformation and strategic market expansion will be crucial for its future success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Comerica Incorporated Investor Relations
- Securities and Exchange Commission (SEC) Filings (10-K, 10-Q)
- Financial Data Providers (e.g., Refinitiv, Bloomberg)
- Industry Research Reports
Disclaimers:
This JSON output is for informational purposes only and does not constitute financial advice. All data is based on publicly available information and is subject to change. Market share data is estimated and may vary depending on the source and methodology. Past performance is not indicative of future results.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Comerica Incorporated
Exchange NYSE | Headquaters Dallas, TX, United States | ||
IPO Launch date 1990-03-26 | Chairman, CEO & President Mr. Curtis Chatman Farmer | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 7927 | Website https://www.comerica.com |
Full time employees 7927 | Website https://www.comerica.com | ||
Comerica Incorporated, together with its subsidiaries, provides financial services in the United States, Canada, and Mexico. The company operates through Commercial Bank, Retail Bank, and Wealth Management segments. The Commercial Bank segment offers various products and services, including commercial loans and lines of credit, deposits, cash management, payment solutions, card services, capital market products, international trade finance, letters of credit, foreign exchange management services, and loan syndication services for small and middle market businesses, multinational corporations, and governmental entities. The Retail Bank segment provides personal financial services, such as consumer lending, consumer deposit gathering, and mortgage loan origination; and various consumer products that include deposit accounts, installment loans, credit cards, home equity lines of credit, and residential mortgage loans. The Wealth Management segment offers products and services comprising financial planning, trust and fiduciary services, investment management and advisory, brokerage, private banking, and business transition planning services for affluents, high-net worth and ultra-high-net-worth individuals and families, business owners and executives, and institutional clients. The company was formerly known as DETROITBANK Corporation and changed its name to Comerica Incorporated in July 1982. Comerica Incorporated was founded in 1849 and is headquartered in Dallas, Texas.
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