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Comerica Incorporated (CMA)



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Upturn Advisory Summary
08/28/2025: CMA (1-star) has a low Upturn Star Rating. Not recommended to BUY.
1 Year Target Price $66.65
1 Year Target Price $66.65
1 | Strong Buy |
3 | Buy |
12 | Hold |
3 | Sell |
3 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 3.89% | Avg. Invested days 32 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 9.10B USD | Price to earnings Ratio 13.59 | 1Y Target Price 66.65 |
Price to earnings Ratio 13.59 | 1Y Target Price 66.65 | ||
Volume (30-day avg) 22 | Beta 0.96 | 52 Weeks Range 47.53 - 71.72 | Updated Date 08/28/2025 |
52 Weeks Range 47.53 - 71.72 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 4.00% | Basic EPS (TTM) 5.21 |
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 13.59 | Forward PE 13.72 | Enterprise Value 12636734464 | Price to Sales(TTM) 2.83 |
Enterprise Value 12636734464 | Price to Sales(TTM) 2.83 | ||
Enterprise Value to Revenue 5.24 | Enterprise Value to EBITDA - | Shares Outstanding 128525000 | Shares Floating 118943896 |
Shares Outstanding 128525000 | Shares Floating 118943896 | ||
Percent Insiders 0.78 | Percent Institutions 94.72 |
Upturn AI SWOT
Comerica Incorporated

Company Overview
History and Background
Comerica Inc. was founded in 1849 as Detroit Savings Fund Institute. Over time, it evolved through mergers and acquisitions, becoming a significant regional bank before expanding nationally. It relocated its headquarters to Dallas, Texas, in 2007.
Core Business Areas
- Commercial Banking: Offers a wide array of business financial products and services, including commercial lending, deposit accounts, cash management, and international trade finance.
- Retail Banking: Provides a full range of consumer banking products and services, such as checking and savings accounts, mortgages, auto loans, and wealth management services.
- Wealth Management: Offers financial planning, investment management, and trust services to high-net-worth individuals and families.
Leadership and Structure
The leadership team includes Curt Farmer (Chairman, President & CEO). The organizational structure consists of various business segments and corporate functions, operating under a centralized management framework.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses of various sizes, crucial for funding operations and growth. Comerica is a significant player in this market, competing with major national and regional banks. Competitors include Bank of America (BAC), JPMorgan Chase (JPM), and Wells Fargo (WFC).
- Deposit Accounts: Offers a range of deposit accounts for businesses and individuals. Comerica competes with numerous other banks and credit unions for deposit market share. Competitors include Bank of America (BAC), JPMorgan Chase (JPM), and Wells Fargo (WFC).
- Wealth Management Services: Offers financial planning, investment management, and trust services to high-net-worth individuals and families. Comerica competes with national wealth management firms and other regional banks. Competitors include Goldman Sachs (GS), Morgan Stanley (MS), and Charles Schwab (SCHW).
Market Dynamics
Industry Overview
The banking industry is undergoing significant changes driven by technological advancements, regulatory changes, and evolving customer expectations. Increased competition from fintech companies and fluctuating interest rates are major factors.
Positioning
Comerica Inc. positions itself as a relationship-focused bank offering a wide range of financial services to businesses and individuals, primarily in select geographic markets. It aims to differentiate itself through personalized service and industry expertise.
Total Addressable Market (TAM)
The TAM for banking services is vast, encompassing all commercial and retail financial needs. Comerica captures a portion of this market through its targeted approach, with potential to expand in specific niches. The overall US banking market is estimated to be worth trillions. Comerica's positioning focuses on select markets and sectors within this TAM.
Upturn SWOT Analysis
Strengths
- Strong presence in select geographic markets
- Experienced management team
- Diversified revenue streams
- Strong capital position
Weaknesses
- Limited national presence compared to larger competitors
- Dependence on interest rate environment
- Higher operating expenses compared to some peers
- Relatively low brand awareness outside core markets
Opportunities
- Expansion into new geographic markets
- Increased adoption of digital banking solutions
- Growth in wealth management business
- Strategic acquisitions to enhance market share
Threats
- Increased competition from fintech companies
- Economic downturn and credit losses
- Regulatory changes and compliance costs
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- BAC
- JPM
- WFC
- USB
Competitive Landscape
Comerica faces intense competition from larger national banks and regional players. Its strengths lie in its relationship-focused approach and industry expertise, but its smaller size and limited national presence are disadvantages.
Growth Trajectory and Initiatives
Historical Growth: Requires numerical data input to analyze historical growth trends.
Future Projections: Requires numerical data input to provide projections for future growth based on analyst estimates.
Recent Initiatives: Focus on digital transformation, expansion of wealth management services, and strategic cost management initiatives.
Summary
Comerica Inc. is a regional bank with a strong presence in key markets. Its focus on commercial banking and wealth management provides stability, but competition is fierce. The bank must continue to invest in digital transformation and strategic growth initiatives to remain competitive and enhance shareholder value.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Analyst Reports
- Industry Research Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share estimates are approximations and may vary. Financial data requires further numerical input and analysis for the listed sections above.
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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