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Upturn AI SWOT - About
CMA 
Comerica Incorporated (CMA)
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Upturn Advisory Summary
09/16/2025: CMA (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
22 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $67.48
1 Year Target Price $67.48
| 1 | Strong Buy |
| 3 | Buy |
| 12 | Hold |
| 3 | Sell |
| 3 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 0.24% | Avg. Invested days 34 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/16/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 9.06B USD | Price to earnings Ratio 13.53 | 1Y Target Price 67.48 |
Price to earnings Ratio 13.53 | 1Y Target Price 67.48 | ||
Volume (30-day avg) 22 | Beta 0.99 | 52 Weeks Range 47.05 - 71.00 | Updated Date 09/15/2025 |
52 Weeks Range 47.05 - 71.00 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 4.07% | Basic EPS (TTM) 5.08 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 22.55% | Operating Margin (TTM) 31.68% |
Management Effectiveness
Return on Assets (TTM) 0.92% | Return on Equity (TTM) 11.14% |
Valuation
Trailing PE 13.53 | Forward PE 12.52 | Enterprise Value 12341126144 | Price to Sales(TTM) 2.82 |
Enterprise Value 12341126144 | Price to Sales(TTM) 2.82 | ||
Enterprise Value to Revenue 5.35 | Enterprise Value to EBITDA - | Shares Outstanding 128525000 | Shares Floating 118943896 |
Shares Outstanding 128525000 | Shares Floating 118943896 | ||
Percent Insiders 0.78 | Percent Institutions 96.31 |
Upturn AI SWOT
Comerica Incorporated
Company Overview
History and Background
Comerica Incorporated was founded in 1849 as the Detroit Savings Fund Institute. It evolved into a major financial services company, experiencing periods of growth, acquisitions, and expansion throughout the 20th and 21st centuries.
Core Business Areas
- Commercial Banking: Offers a wide range of banking products and services to businesses, including lending, treasury management, and capital markets solutions.
- Retail Banking: Provides banking services to individuals and families, including checking accounts, savings accounts, loans, and wealth management services.
- Wealth Management: Offers investment management, financial planning, trust, and private banking services to high-net-worth individuals and institutions.
Leadership and Structure
The company is led by a board of directors and a senior management team. Peter W. Guilkey is the Chairman, President, and CEO. Comerica operates with a traditional hierarchical organizational structure.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes such as working capital, expansion, and equipment financing. Market share data is not publicly available with specificity. Competitors include JPM, BAC, WFC.
- Treasury Management Services: Helps businesses manage their cash flow and optimize their financial operations. Market share data is not publicly available with specificity. Competitors include JPM, BAC, C.
- Wealth Management Products: Includes investment advisory services, trust services, and estate planning. Market share data is not publicly available with specificity. Competitors include GS, MS.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, increased competition from fintech companies, and regulatory changes. However, there are also opportunities for growth in areas such as digital banking and wealth management.
Positioning
Comerica is a regional bank with a strong presence in the Texas, California, and Michigan markets. Its competitive advantages include its experienced workforce, strong customer relationships, and focus on commercial banking.
Total Addressable Market (TAM)
The total addressable market for banking services is in the trillions of dollars. Comerica is positioned to capture a portion of this market through its regional focus and specialization in commercial banking.
Upturn SWOT Analysis
Strengths
- Strong commercial banking franchise
- Experienced management team
- Solid customer relationships
- Healthy capital ratios
Weaknesses
- Geographic concentration
- Reliance on commercial lending
- Limited international presence
- Smaller scale compared to larger national banks
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Growth in wealth management business
- Strategic acquisitions
Threats
- Rising interest rates
- Increased competition from fintech companies
- Regulatory changes
- Economic downturn
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- USB
- PNC
Competitive Landscape
Comerica faces intense competition from larger national banks and regional players. Its strength lies in its specialization in commercial banking and strong customer relationships.
Major Acquisitions
Sterling Bancshares, Inc.
- Year: 2007
- Acquisition Price (USD millions): 1030
- Strategic Rationale: Expanded Comerica's presence in Texas, a key growth market.
Growth Trajectory and Initiatives
Historical Growth: Comerica's growth has been steady but not spectacular, driven primarily by organic growth in its core markets.
Future Projections: Analyst estimates suggest moderate growth in revenue and earnings over the next few years.
Recent Initiatives: Recent initiatives include investments in digital banking technology and expansion of its wealth management services.
Summary
Comerica is a regional bank with a solid commercial banking franchise. The company benefits from experienced management and healthy capital ratios but faces challenges from rising interest rates and fintech competition. It needs to diversify its geographic footprint and continue investing in technology. Comerica's strengths in customer relationships and commercial lending position it well for future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Reports
- Analyst Estimates
- Market Data Providers
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share figures are based on available data and may not be precise. Financial data is subject to change.
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 7963 | Website https://www.comerica.com |
Full time employees 7963 | 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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