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CMA 
Comerica Incorporated (CMA)
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Upturn Advisory Summary
11/05/2025: CMA (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
22 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $81.28
1 Year Target Price $81.28
| 1 | Strong Buy |
| 3 | Buy |
| 12 | Hold |
| 3 | Sell |
| 3 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 14.46% | Avg. Invested days 38 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 10.08B USD | Price to earnings Ratio 15.08 | 1Y Target Price 81.28 |
Price to earnings Ratio 15.08 | 1Y Target Price 81.28 | ||
Volume (30-day avg) 22 | Beta 1.08 | 52 Weeks Range 47.05 - 83.22 | Updated Date 11/7/2025 |
52 Weeks Range 47.05 - 83.22 | Updated Date 11/7/2025 | ||
Dividends yield (FY) 3.63% | Basic EPS (TTM) 5.23 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-17 | When Before Market | Estimate 1.28 | Actual 1.48 |
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 15.08 | Forward PE 12.39 | Enterprise Value 10943617024 | Price to Sales(TTM) 3.12 |
Enterprise Value 10943617024 | Price to Sales(TTM) 3.12 | ||
Enterprise Value to Revenue 5.34 | Enterprise Value to EBITDA - | Shares Outstanding 127742643 | Shares Floating 119445758 |
Shares Outstanding 127742643 | Shares Floating 119445758 | ||
Percent Insiders 0.79 | Percent Institutions 95.45 |
Upturn AI SWOT
Comerica Incorporated
Company Overview
History and Background
Comerica Incorporated was founded in 1849 as the Detroit Savings Fund Institute. It has grown through acquisitions and organic expansion to become a leading financial services company.
Core Business Areas
- Commercial Banking: Provides a wide range of financial products and services to businesses, including lending, deposit accounts, cash management, and trade finance.
- Retail Banking: Offers banking services to individuals, including checking and savings accounts, mortgages, personal loans, and credit cards.
- Wealth Management: Provides wealth management services to high-net-worth individuals and families, including investment management, financial planning, and trust services.
Leadership and Structure
The leadership team is headed by the CEO, who reports to the Board of Directors. The company is structured into business segments, each with its own management team.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offer a variety of commercial loans, competing with other large banks and regional players. Market share fluctuates with economic conditions; specific figures are difficult to obtain without proprietary data from Comerica. Competitors include JP Morgan Chase, Bank of America, Wells Fargo and other regional banks.
- Treasury Management Services: Offers cash management and payment processing solutions for businesses. Competes with major banks offering similar services. Market share is competitive but not leading.
- Wealth Management Solutions: Investment advice, financial planning, and asset management services for high-net-worth individuals. Competes with firms like Merrill Lynch, Morgan Stanley, and independent RIAs. Market share is smaller relative to larger national players.
Market Dynamics
Industry Overview
The banking industry is facing increased regulation, technological disruption, and competition from fintech companies. Interest rate environments and economic growth heavily influence banks' performance.
Positioning
Comerica is a regional bank with a strong presence in the Midwest and Southwest. Its focus on commercial banking provides a competitive advantage in those markets.
Total Addressable Market (TAM)
The TAM for banking services is vast, encompassing all individuals and businesses needing financial services. Comerica is positioned to capture a share of this market, especially in its core regions, targeting small- and medium-sized businesses.
Upturn SWOT Analysis
Strengths
- Strong presence in key markets
- Experienced management team
- Focus on commercial banking
- Solid capital base
Weaknesses
- Geographic concentration
- Dependence on interest rates
- Smaller scale compared to national banks
- Limited international presence
Opportunities
- Expanding into new markets
- Adopting new technologies
- Increasing fee income
- Growing wealth management business
Threats
- Increased competition
- Economic downturns
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- KEY
Competitive Landscape
Comerica faces intense competition from larger national banks. Its regional focus allows it to build strong relationships with customers, but its smaller scale limits its ability to invest in technology and expand into new markets.
Growth Trajectory and Initiatives
Historical Growth: Comerica's historical growth has been steady, driven by organic growth and strategic acquisitions.
Future Projections: Future projections are dependent on many different factors and can vary.
Recent Initiatives: Recent initiatives include investments in technology and expansion into new markets.
Summary
Comerica is a stable regional bank with a focus on commercial banking, experiencing steady growth. Its strengths include a strong presence in key markets and an experienced management team, while weaknesses include geographic concentration and reliance on interest rates. It should capitalize on technology and grow its wealth management division while monitoring the competitive landscape.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Comerica Incorporated Investor Relations, SEC Filings, MarketWatch, Yahoo Finance
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market 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 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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