Comerica Incorporated, through its subsidiaries, provides various financial products and services. The company operates through Commercial Bank, Retail Bank, Wealth Management, and Finance 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, student loans, 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 Finance segment comprises securities portfolio, and asset and liability management activities. It operates in Texas, California, Michigan, Arizona, and Florida, the United States; and Canada and Mexico. 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.

Comerica Incorporated

Looking at options trading activity among components of the Russell 3000 index, there is noteworthy activity today in Nike (Symbol: NKE), where a total volume of 77,401 contracts has been traded thus far today, a contract volume which is representative of approximately 7.7 million underlying shares (given that every 1 contract represents 100 underlying shares). That number works out to 88.6% of NKE's average daily trading volume over the past month, of 8.7 million shares. Especially high volume was seen for the $60 strike call option expiring September 19, 2025, with 21,600 contracts trading so far today, representing approximately 2.2 million underlying shares of NKE. Below is a chart showing NKE's trailing twelve month trading history, with the $60 strike highlighted in orange:
Comerica, Inc. (Symbol: CMA) saw options trading volume of 13,567 contracts, representing approximately 1.4 million underlying shares or approximately 81% of CMA's average daily trading volume over the past month, of 1.7 million shares. Especially high volume was seen for the $75 strike call option expiring September 19, 2025, with 12,428 contracts trading so far today, representing approximately 1.2 million underlying shares of CMA. Below is a chart showing CMA's trailing twelve month trading history, with the $75 strike highlighted in orange:
And McDonald's Corp (Symbol: MCD) options are showing a volume of 25,778 contracts thus far today. That number of contracts represents approximately 2.6 million underlying shares, working out to a sizeable 73.9% of MCD's average daily trading volume over the past month, of 3.5 million shares. Especially high volume was seen for the $285 strike call option expiring September 19, 2025, with 3,122 contracts trading so far today, representing approximately 312,200 underlying shares of MCD. Below is a chart showing MCD's trailing twelve month trading history, with the $285 strike highlighted in orange:
For the various different available expirations for NKE options, CMA options, or MCD options, visit StockOptionsChannel.com.
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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Noteworthy Friday Option Activity: NKE, CMA, MCD

On Comerica Incorporated’s CMA second-quarter 2025earnings call two experienced sell-side research analysts — David George and Mike Mayo — questioned the company regarding its historical underperformance and whether Comerica would sell itself. In response to this, CEO Curtis Farmer hinted at the bank’s openness to mergers and acquisitions (M&A).
Adding momentum to the buyout chatter, on July 28, 2025, New York-based HoldCo Asset Management disclosed a stake worth approximately $155 million in Comerica. In a letter to the bank’s board, HoldCo called for the immediate launch of a strategic review, including the solicitation of acquisition offers.
The activist specifically named PNC Financial Services Group PNC, Fifth Third Bancorp FITB, and Huntington Bancshares HBAN as potential suitors, arguing that these regional players may extract significant cost synergies and expand their geographic footprints through a deal.
What Makes Comerica a Prospective Buyout Target
Share Price Underperformance: Comerica’s stock price substantially underperformed the broader industry over the last seven years. CMA shares have declined 4.5% against the industry’s 38.6% growth.
Price Performance
Image Source: Zacks Investment Research
Also, the CMA stock has lagged the KBW Nasdaq Bank (BKX) Index’s growth of nearly 25% over the same time frame.
Strategic Missteps During the 2023 Regional Banking Crisis: While peers were aggressively defending their deposit bases in 2023, Comerica allowed low-cost deposits to roll off, thereby increasing its dependence on high-cost wholesale funding. Its interest rate hedge strategy involving large swap positions backfired, leading to realized losses and limiting the benefit from higher rates on the floating loan portfolio.
Declining Loan & Deposit Trend: Comerica loans and deposits have been witnessing a declining trend over the last few years. Over the last four years ending 2024, total loans and deposits have seen a CAGR of nearly 1%, with the trend continuing in the first half of 2025. Also, the company’s deposit has not recovered from the 2023 regional bank crisis. Its total deposits declined 9.1% in the second quarter of 2025 from the second quarter of 2023.
Rising Efficiency Ratio: CMA’s total revenues have declined over the past six years, while expenses have increased. This has led to an increase in the efficiency ratio.
Though Comerica’s revenues increased and expenses declined in the first half of 2025, between 2018 and 2024, total revenues witnessed a negative CAGR of 0.4%, while non-interest expenses saw a positive CAGR of 4.2%. Its efficiency ratio has increased from 54% in 2018 to 71% in 2024. The rise in the efficiency ratio indicates deteriorating profitability.
Revenue & Expense Trend
Image Source: Zacks Investment Research
Here’s What CMA Can Offer to a Prospective Buyer
Geographic Reach in High-Growth Markets: Comerica’s geographic footprint delivers immediate scale in fast-growing Sunbelt and Midwestern markets, eliminating the need for a lengthy branch build-out.
Business Banking Strength: CMA’s well-established commercial lending franchise, with deep relationships in middle-market segments and specialties like energy, technology, and life sciences, offers opportunities for cross-selling high-margin services such as treasury management and foreign exchange.
Mid-Tier Size: With a market capitalization of $8.5 billion, Comerica offers meaningful scale without the complexities of a megamerger. Its size makes it a realistic acquisition target for larger regional peers, including PNC Financial and Fifth Third or Huntington, while minimizing execution and regulatory risks.
Final Thoughts in CMA Buyout Chatter
Comerica’s prolonged underperformance, operational missteps, and weakening fundamentals have created a valuation gap that activist investors and potential acquirers will be eager to exploit. With a desirable footprint in growth markets, specialized lending expertise, and a manageable acquisition size, the company offers a rare combination of strategic value and cost synergy potential.
Whether through a premium buyout by a larger regional bank or a disciplined internal turnaround, the coming quarters are likely to be pivotal in determining if Comerica remains an independent player or becomes one of the next headline deals in U.S. regional bank consolidation.
Currently, CMA carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
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Comerica in the M&A Spotlight: What's Driving Acquisition Interests?

(RTTNews) - HoldCo Asset Management, L.P., a Florida-based investment firm, Monday issued a research presentation urging Comerica Inc. (CMA) to proceed a sale process.
The presentation, titled "To the Board of Directors of Comerica Inc.: We Echo Mayo - If Not Now, Then When?", stated that Comerica CEO Curtis Farmer's refusal to explain, or even acknowledge the company's uniquely remarkable failures while repeatedly stating that it must "earn the right to remain independent" cannot be reconciled.
Further, HoldCo added that Farmer's poor management and obfuscatory communication tactics are grounds for his immediate dismissal.
The investment firm advised Comerica to engage an investment banker, announce plans to run a marketing process and sell itself.
Currently, CMA is trading at $69.60, up 2.25 percent on the New York Stock Exchange.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

HoldCo Asset Management Urges Comerica To Start With Sale Process

Northern Trust Corporation’s NTRS second-quarter 2025 adjusted earnings per share (EPS) of $2.13 beat the Zacks Consensus Estimate of $2.08. However, in the prior-year quarter, the company reported an EPS of $4.34.
NTRS results benefited from a rise in net interest income (NII). Also, an increase in total assets under custody (AUC) and assets under management (AUM) balances supported the financials. However, elevated expenses, reduced other fee income and weak asset quality were concerning.
Net income (GAAP basis) was $421.3 million, down 53% from the prior-year quarter.
NTRS’ Revenues & Expenses Decline
Quarterly total revenues (GAAP basis) of $1.99 billion decreased 26.4% year over year. However, the top line beat the Zacks Consensus Estimate by 1%.
NII on a fully taxable equivalent basis was $615.2 million in the quarter under review, up 16.1% year over year. The net interest margin was 1.69%, up 12 basis points from the prior-year quarter.
Trust, investment and other servicing fees totaled $1.23 billion, up 5.6% year over year.
Other non-interest income decreased 84.7% to $156.3 million from the year-ago quarter. The decline was driven by a decrease in foreign exchange trading income and other operating income.
Non-interest expenses fell 7.6% year over year to $1.42 billion in the reported quarter. The decline primarily stemmed from decreases in compensation, outside services, occupancy, and other operating expenses.
Northern Trust’s AUC & AUM Rise
As of June 30, 2025, Northern Trust’s total AUC increased 9.2% year over year to $14.2 trillion. Also, total AUM rose 11.2% year over year to $1.7 trillion.
NTRS’ Credit Quality Deteriorates
Total allowance for credit losses was $224.1 million, up 6.9% year over year.
Total non-accrual assets increased to $92.8 million as of June 30, 2025, from $38.5 million in the year-ago period. NTRS reported provisions for credit losses of $16.5 million in the second quarter compared with $8 million in the year-ago quarter.
Northern Trust’s Capital & Profitability Ratios Decline
Under the Standardized Approach, as of June 30, 2025, the Common Equity Tier 1 capital ratio was 12.2%, down from 12.6% in the prior-year quarter. The total capital ratio was 14.8%, down from 15.5% in the year-ago quarter. The Tier 1 leverage ratio was 7.6%, down from 8% in the prior-year quarter.
The return on average common equity was 14.2% compared with the year-earlier quarter’s 31.2%.
NTRS’ Capital Distribution Activities
In the reported quarter, Northern Trust returned $485.6 million to shareholders through share repurchases and dividends.
Our View on Northern Trust
A rise in NII drove the company’s second-quarter performance. Its increasing AUC and AUM balances are likely to support financials. However, a decline in fee income, weakening asset quality and a rise in expenses will likely impede growth.
Northern Trust Corporation Price, Consensus and EPS Surprise
Currently, Northern Trust sports a Zacks Rank #1 (Strong Buy). You can see the complete list of today’s Zacks #1 Rank stocks here.
Performance of Other Banks
Comerica Incorporated CMA has reported second-quarter 2025 adjusted EPS of $1.42, beating the Zacks Consensus Estimate of $1.23. In the prior-year quarter, the company reported an EPS of $1.53.
CMA’s results benefited from a rise in NII and loan balance. Yet, lower deposit balances, decline in non-interest income and weak asset quality were concerning.
Fifth Third Bancorp FITB reported second-quarter 2025 adjusted EPS of 9 cents, surpassing the Zacks Consensus Estimate of 87 cents. In the prior-year quarter, the company posted an EPS of 86 cents.
FITB’s results benefited from a rise in NII, fee income and loan balances. However, higher expenses and weak asset quality were headwinds.
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Northern Trust Q2 Earnings Beat Estimates on Higher NII & AUM Growth

Interactive Brokers Group Inc.’s (IBKR) shares jumped 7.8% after posting second-quarter 2025 adjusted earnings per share of $0.51, surpassing the Zacks Consensus Estimate of $0.46.
Shares of Regions Financial Corp. (RF) climbed 6.1% after the company posted second-quarter 2025 adjusted earnings per share of $0.60, outpacing the Zacks Consensus Estimate of $0.56.
The Charles Schwab Corp.’s (SCHW) shares gained 2.9% after reporting second-quarter 2025 adjusted earnings per share of $1.14, exceeding the Zacks Consensus Estimate of $1.09.
Shares of Comerica Inc. (CMA) surged 4.7% after the company reported second-quarter 2025 adjusted earnings per share of $1.42, beating the Zacks Consensus Estimate of $1.23.
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Company News for Jul 21, 2025

Comerica (NYSE:CMA) reported its Q2 2025 earnings on July 18, reporting EPS of $1.42 (up nearly 14% sequentially). In the quarter, it returned $193 million to shareholders through stock repurchases and dividends. Management highlighted inflecting loan growth, normalization of pressured deposits, disciplined expense control, and sustained capital strength, while maintaining guidance of net interest income growth of 5% to 7% for the year, despite anticipated short-term headwinds.
Loan Growth Highlights Organic Business Momentum
The company achieved period-end loan growth of approximately 3%, and increased total commitments by $400 million, with particularly strong activity in environmental services and commercial real estate, even as average loans in equity fund services declined. Management said middle market loan pipelines are improving, and activity feels better than it has since the Silicon Valley Bank situation, though levels have not yet returned to their norms before that institution's March 2023 failure, despite sectorwide uncertainty and a period of portfolio rationalization following the 2023 regional bank crisis.
"We saw an inflection in loans as balances grew consistently throughout the quarter across most of our businesses. Our deposits came down modestly, favorable loan fee income and excess trends drove a sizable increase in both net income and PPNR. Capitalization remained a strength with an estimated CET1 of 11.94%, well above our 10% strategic target, even after a compelling dividend and higher share repurchases. Sentiment improved as we saw signs of customers beginning to make measured investments in their businesses."
— Curt Farmer, President, Chairman and CEO
Renewed loan growth signals a possible shift in business customer confidence and lays groundwork for sustainable revenue expansion after several quarters of muted activity and balance sheet optimization.
Deposit Franchise and Strategic Technology Investment Underscore Competitive Strength
Non-interest-bearing deposits remained stable at 38% of total deposits for the fourth consecutive quarter, demonstrating resilience in a sector that has seen significant deposit migration and pricing competition. The launch of two new real-time payment solutions marked further progress in digitizing Comerica's offerings, intending to solidify customer relationships and enhance funding mix quality.
"Just this quarter, we delivered two new real-time payment solutions providing additional flexibility for our customers. We feel these success stories are strong proof points of the effectiveness of our strategy."
— Jim Herzog, Chief Financial Officer
Maintaining a robust proportion of low-cost deposits and proactively investing in real-time payments infrastructure positions the company to better manage funding costs, support loan growth, and safeguard margins relative to less technologically agile peers.
Expense Discipline and Capital Management Enable Shareholder Returns Amid Challenging Efficiency Metrics
Non-interest expense decreased by $23 million quarter-over-quarter, aided by lower litigation and compensation costs, as well as certain non-recurring benefits, resulting in an improved efficiency ratio even as management acknowledged continued sector-leading expense levels. Its estimated Common Equity Tier 1 (CET1) ratio stands at 11.94%, materially above the internal 10% CET1 target. That condition allowed management to increase share repurchases in Q2 to $100 million. Ongoing scrutiny from shareholders and analysts remains focused on the company's below-peer long-term efficiency and return metrics.
"Our strong capital position afforded us the opportunity to redeem preferred stock, avoiding a more punitive coupon reset, but also resulting in a slight negative drag to EPS this quarter from costs related to the preferred stock redemption."
— Curt Farmer, President, Chairman, and CEO
Capital strength and opportunistic share repurchases underpin excess return potential, but persistent efficiency challenges elevate pressure on management to translate growth investments and digital enhancements into sustainable, peer-competitive profitability metrics.
Looking Ahead
Management forecasts that its average loans will be flat to down 1% in 2025 -- a narrowing of the previous guidance range -- while anticipating average deposits will decline by 2% to 3% as its strategic reduction in brokered CDs continues. Net interest income is projected to grow by 5% to 7% for the year, with net interest income expected to dip in the third quarter before resuming sequential growth in the fourth. Non-interest expenses are now expected to grow by 2% in 2025, an improvement from earlier guidance. The CET1 ratio is expected to remain near 12% in Q3, which will support at least $100 million in stock repurchases in the quarter. Management does not assume Direct Express deposit attrition in its 2025 outlook. No explicit long-term (2026+) quantitative guidance was disclosed in the transcript.
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Comerica Reports 14% Sequential EPS Growth in Q2

Among the underlying components of the Russell 3000 index, we saw noteworthy options trading volume today in RH (Symbol: RH), where a total of 17,950 contracts have traded so far, representing approximately 1.8 million underlying shares. That amounts to about 153.4% of RH's average daily trading volume over the past month of 1.2 million shares. Particularly high volume was seen for the $340 strike put option expiring August 15, 2025, with 6,710 contracts trading so far today, representing approximately 671,000 underlying shares of RH. Below is a chart showing RH's trailing twelve month trading history, with the $340 strike highlighted in orange:
Comerica, Inc. (Symbol: CMA) options are showing a volume of 25,802 contracts thus far today. That number of contracts represents approximately 2.6 million underlying shares, working out to a sizeable 143.9% of CMA's average daily trading volume over the past month, of 1.8 million shares. Especially high volume was seen for the $75 strike call option expiring September 19, 2025, with 15,000 contracts trading so far today, representing approximately 1.5 million underlying shares of CMA. Below is a chart showing CMA's trailing twelve month trading history, with the $75 strike highlighted in orange:
And Spotify Technology SA (Symbol: SPOT) saw options trading volume of 23,504 contracts, representing approximately 2.4 million underlying shares or approximately 134.4% of SPOT's average daily trading volume over the past month, of 1.7 million shares. Especially high volume was seen for the $700 strike put option expiring July 18, 2025, with 2,479 contracts trading so far today, representing approximately 247,900 underlying shares of SPOT. Below is a chart showing SPOT's trailing twelve month trading history, with the $700 strike highlighted in orange:
For the various different available expirations for RH options, CMA options, or SPOT options, visit StockOptionsChannel.com.
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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Notable Friday Option Activity: RH, CMA, SPOT

Comerica Incorporated CMA has reported second-quarter 2025 adjusted earnings per share (EPS) of $1.42, beating the Zacks Consensus Estimate of $1.23. In the prior-year quarter, the company reported an EPS of $1.53.
Results benefited from a rise in net interest income (NII) and loan balance. Yet, lower deposit balances, decline in non-interest income and weak asset quality were concerning.
Net income attributable to common shareholders (GAAP basis) was $187 million, which declined 6.5% from the year-ago quarter.
Comerica's Revenues & Expenses Rise
Total quarterly revenues were $849 million, up 3% year over year. The top line surpassed the consensus estimate by 0.5%.
Quarterly NII rose 7.9% on a year-over-year basis to $575 million. The net interest margin increased 30 basis points year over year to 3.16%.
Total non-interest income was $274 million, down 5.8% on a year-over-year basis.
Non-interest expenses totaled $561 million, up 1.1% year over year. The rise was primarily due to an increase in Salaries and benefits expense and Occupancy expense.
The efficiency ratio was 65.78% compared with the prior-year quarter’s 67.77%. A fall in this ratio indicates increased profitability.
CMA’s Loans Balance Rise & Deposit Declines
As of June 30, 2025, total loans rose 2.5% on a sequential basis to $51.2 billion. Total deposits declined 2.4% from the previous quarter to $60 billion.
Comerica's Credit Quality Deteriorates
The company recorded a provision for credit loss of $44 million in the second quarter compared with no provision in the year-ago quarter.
The allowance for credit losses was $735 million, which rose 2.5% year over year.
Total non-performing assets rose 10.2% year over year to $249 million.
The allowance for credit losses to total loans ratio was 1.44% as of June 30, 2025, up from 1.38% as of June 30, 2024. Also, the company recorded net charge-offs of $28 million, significantly up from $11 million recorded in the year-ago quarter.
CMA's Capital Position Mixed Bag
The total capital ratio was 13.74%, down from 14.02% in the year-ago quarter. The Common Equity Tier 1 capital ratio was 11.94%, up from 11.55% in the prior-year quarter.
As of June 30, 2025, CMA's tangible common equity ratio was 8.04%, up from 6.49% in the prior-year quarter.
Comerica’s Capital Distribution Activities
The company repurchased $100 million of common stock under the share repurchase program.
Our View on CMA
The company’s decent capital position will aid capital distribution activities in the upcoming period, boosting investor confidence in the stock. Its focus on improving operational efficiency will support financials. The rise in NII looks encouraging. However, weak asset quality and a rise in expenses remain near-term concerns.
Comerica Incorporated Price, Consensus and EPS Surprise
Currently, Comerica carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
Performance of Other Banks
Synovus Financial Corp. SNV reported second-quarter 2025 adjusted earnings per share of $1.48, which surpassed the Zacks Consensus Estimate of $1.25. This compares favorably with the earnings of $1.16 per share a year ago. (Find the latest EPS estimates and surprises on Zacks Earnings Calendar.)
SNV’s results benefited from strong year-over-year growth in NII and non-interest revenues, along with a fall in provisions for credit losses. Also, improving loan balances were a tailwind. An increase in expenses, however, was a major headwind.
First Horizon Corporation’s FHN second-quarter 2025 adjusted earnings per share (excluding notable items) of 45 cents surpassed the Zacks Consensus Estimate of 41 cents. This compares favorably with 36 cents in the year-ago quarter.
FHN’s results benefited from a rise in NII and non-interest income, along with a decline in expenses. Also, lower provisions and a rise in loans and deposit balances were other positives.
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Comerica Q2 Earnings Top Estimates on Strength in NII & Loan Growth

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Comerica (CMA) Q2 2025 Earnings Call Transcript

For the quarter ended June 2025, Comerica Incorporated (CMA) reported revenue of $849 million, up 3% over the same period last year. EPS came in at $1.42, compared to $1.53 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $844.72 million, representing a surprise of +0.51%. The company delivered an EPS surprise of +15.45%, with the consensus EPS estimate being $1.23.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Comerica performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Efficiency Ratio: 65.8% versus the six-analyst average estimate of 70.1%.
Net interest margin: 3.2% versus the six-analyst average estimate of 3.3%.
Net charge-offs (recoveries)/Average total loans: 0.2% versus 0.2% estimated by six analysts on average.
Average Balance - Total earning assets: $70.34 billion compared to the $70.4 billion average estimate based on five analysts.
Total nonperforming assets: $249 million versus the three-analyst average estimate of $306.34 million.
Total nonperforming loans: $248 million compared to the $308.51 million average estimate based on two analysts.
Net interest income: $575 million compared to the $576.45 million average estimate based on six analysts.
Total noninterest income: $274 million versus the six-analyst average estimate of $263.45 million.
Service charges on deposit accounts: $47 million versus $46.96 million estimated by four analysts on average.
Commercial lending fees: $17 million compared to the $16.82 million average estimate based on four analysts.
Fiduciary income: $57 million compared to the $54.69 million average estimate based on three analysts.
Letter of credit fees: $10 million versus the three-analyst average estimate of $11.94 million.
Shares of Comerica have returned +11.8% over the past month versus the Zacks S&P 500 composite's +5.4% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Each was handpicked by a Zacks expert as the favorite stock to gain +100% or more in the months ahead. They include
Stock #1: A Disruptive Force with Notable Growth and Resilience
Stock #2: Bullish Signs Signaling to Buy the Dip
Stock #3: One of the Most Compelling Investments in the Market
Stock #4: Leader In a Red-Hot Industry Poised for Growth
Stock #5: Modern Omni-Channel Platform Coiled to Spring
Most of the stocks in this report are flying under Wall Street radar, which provides a great opportunity to get in on the ground floor. While not all picks can be winners, previous recommendations have soared +171%, +209% and +232%.
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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.