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

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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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.

Comerica (CMA) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates

(RTTNews) - Comerica Inc. (CMA) released earnings for second quarter that Drops, from the same period last year but beat the Street estimates.
The company's bottom line came in at $187 million, or $1.42 per share. This compares with $200 million, or $1.49 per share, last year.
Analysts on average had expected the company to earn $1.22 per share. Analysts' estimates typically exclude special items.
Comerica Inc. earnings at a glance (GAAP) :
-Earnings: $187 Mln. vs. $200 Mln. last year. -EPS: $1.42 vs. $1.49 last year.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Comerica Inc. Q2 Profit Retreats, But Beats Estimates

The following companies are expected to report earnings prior to market open on 07/18/2025. Visit our Earnings Calendar for a full list of expected earnings releases.
American Express Company (AXP)is reporting for the quarter ending June 30, 2025. The financial services company's consensus earnings per share forecast from the 14 analysts that follow the stock is $3.86. This value represents a 10.60% increase compared to the same quarter last year. In the past year AXP has beat the expectations every quarter. The highest one was in the 1st calendar quarter where they beat the consensus by 5.51%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for AXP is 20.49 vs. an industry ratio of 12.80, implying that they will have a higher earnings growth than their competitors in the same industry.
The Charles Schwab Corporation (SCHW)is reporting for the quarter ending June 30, 2025. The investment bankers company's consensus earnings per share forecast from the 11 analysts that follow the stock is $1.09. This value represents a 49.32% increase compared to the same quarter last year. In the past year SCHW has met analyst expectations once and beat the expectations the other three quarters. Zacks Investment Research reports that the 2025 Price to Earnings ratio for SCHW is 20.60 vs. an industry ratio of 21.80.
3M Company (MMM)is reporting for the quarter ending June 30, 2025. The diversified operations company's consensus earnings per share forecast from the 5 analysts that follow the stock is $2.01. This value represents a 4.15% increase compared to the same quarter last year. In the past year MMM has beat the expectations every quarter. The highest one was in the 1st calendar quarter where they beat the consensus by 6.21%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for MMM is 20.54 vs. an industry ratio of 12.70, implying that they will have a higher earnings growth than their competitors in the same industry.
Truist Financial Corporation (TFC)is reporting for the quarter ending June 30, 2025. The bank company's consensus earnings per share forecast from the 9 analysts that follow the stock is $0.92. This value represents a 1.10% increase compared to the same quarter last year. In the past year TFC has beat the expectations every quarter. The highest one was in the 1st calendar quarter where they beat the consensus by 1.16%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for TFC is 11.43 vs. an industry ratio of 12.20.
Schlumberger N.V. (SLB)is reporting for the quarter ending June 30, 2025. The oil (field services) company's consensus earnings per share forecast from the 10 analysts that follow the stock is $0.73. This value represents a 14.12% decrease compared to the same quarter last year. SLB missed the consensus earnings per share in the 1st calendar quarter of 2025 by -2.7%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for SLB is 11.57 vs. an industry ratio of -3.10, implying that they will have a higher earnings growth than their competitors in the same industry.
Huntington Bancshares Incorporated (HBAN)is reporting for the quarter ending June 30, 2025. The bank (midwest) company's consensus earnings per share forecast from the 2 analysts that follow the stock is $0.38. This value represents a 26.67% increase compared to the same quarter last year. In the past year HBAN has beat the expectations every quarter. The highest one was in the 1st calendar quarter where they beat the consensus by 9.68%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for HBAN is 11.48 vs. an industry ratio of 11.10, implying that they will have a higher earnings growth than their competitors in the same industry.
Regions Financial Corporation (RF)is reporting for the quarter ending June 30, 2025. The banks (southeast) company's consensus earnings per share forecast from the 11 analysts that follow the stock is $0.56. This value represents a 7.69% increase compared to the same quarter last year. In the past year RF has beat the expectations every quarter. The highest one was in the 1st calendar quarter where they beat the consensus by 5.88%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for RF is 10.65 vs. an industry ratio of 11.60.
Ally Financial Inc. (ALLY)is reporting for the quarter ending June 30, 2025. The financial services company's consensus earnings per share forecast from the 10 analysts that follow the stock is $0.78. This value represents a 19.59% decrease compared to the same quarter last year. In the past year ALLY has beat the expectations every quarter. The highest one was in the 1st calendar quarter where they beat the consensus by 34.88%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for ALLY is 11.40 vs. an industry ratio of 13.20.
Autoliv, Inc. (ALV)is reporting for the quarter ending June 30, 2025. The auto (truck) company's consensus earnings per share forecast from the 5 analysts that follow the stock is $2.07. This value represents a 10.70% increase compared to the same quarter last year. Zacks Investment Research reports that the 2025 Price to Earnings ratio for ALV is 12.85 vs. an industry ratio of 19.50.
Comerica Incorporated (CMA)is reporting for the quarter ending June 30, 2025. The bank company's consensus earnings per share forecast from the 9 analysts that follow the stock is $1.23. This value represents a 19.61% decrease compared to the same quarter last year. CMA missed the consensus earnings per share in the 4th calendar quarter of 2024 by -4%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for CMA is 12.04 vs. an industry ratio of 12.20.
Veritex Holdings, Inc. (VBTX)is reporting for the quarter ending June 30, 2025. The banks (southeast) company's consensus earnings per share forecast from the 3 analysts that follow the stock is $0.55. This value represents a 5.77% increase compared to the same quarter last year. Zacks Investment Research reports that the 2025 Price to Earnings ratio for VBTX is 14.32 vs. an industry ratio of 11.60, implying that they will have a higher earnings growth than their competitors in the same industry.
Sify Technologies Limited (SIFY)is reporting for the quarter ending June 30, 2025. The internet services company's consensus earnings per share forecast from the 1 analyst that follows the stock is $-0.01. This value represents a 100.00% decrease compared to the same quarter last year. In the past year SIFY Zacks Investment Research reports that the 2026 Price to Earnings ratio for SIFY is -278.00 vs. an industry ratio of 21.40.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Pre-Market Earnings Report for July 18, 2025 : AXP, SCHW, MMM, TFC, SLB, HBAN, RF, ALLY, ALV, CMA, VBTX, SIFY

The upcoming report from Comerica Incorporated (CMA) is expected to reveal quarterly earnings of $1.23 per share, indicating a decline of 19.6% compared to the year-ago period. Analysts forecast revenues of $844.72 million, representing an increase of 2.5% year over year.
The consensus EPS estimate for the quarter has been revised 1.3% lower over the last 30 days to the current level. This reflects how the analysts covering the stock have collectively reevaluated their initial estimates during this timeframe.
Prior to a company's earnings release, it is of utmost importance to factor in any revisions made to the earnings projections. These revisions serve as a critical gauge for predicting potential investor behaviors with respect to the stock. Empirical studies consistently reveal a strong link between trends in earnings estimate revisions and the short-term price performance of a stock.
While it's common for investors to rely on consensus earnings and revenue estimates for assessing how the business may have performed during the quarter, exploring analysts' forecasts for key metrics can yield valuable insights.
In light of this perspective, let's dive into the average estimates of certain Comerica metrics that are commonly tracked and forecasted by Wall Street analysts.
The consensus estimate for 'Efficiency Ratio' stands at 70.1%. Compared to the present estimate, the company reported 67.8% in the same quarter last year.
It is projected by analysts that the 'Average Balance - Total earning assets' will reach $70.40 billion. Compared to the current estimate, the company reported $71.83 billion in the same quarter of the previous year.
Analysts forecast 'Total nonperforming assets' to reach $306.34 million. Compared to the current estimate, the company reported $226.00 million in the same quarter of the previous year.
The combined assessment of analysts suggests that 'Total nonperforming loans' will likely reach $308.51 million. The estimate compares to the year-ago value of $226.00 million.
According to the collective judgment of analysts, 'Net interest income' should come in at $576.45 million. Compared to the current estimate, the company reported $533.00 million in the same quarter of the previous year.
Analysts' assessment points toward 'Total noninterest income' reaching $263.45 million. Compared to the present estimate, the company reported $291.00 million in the same quarter last year.
Analysts predict that the 'Service charges on deposit accounts' will reach $46.96 million. The estimate compares to the year-ago value of $46.00 million.
Based on the collective assessment of analysts, 'Commercial lending fees' should arrive at $16.82 million. Compared to the current estimate, the company reported $17.00 million in the same quarter of the previous year.
The average prediction of analysts places 'Fiduciary income' at $54.69 million. The estimate compares to the year-ago value of $58.00 million.
Analysts expect 'Letter of credit fees' to come in at $11.94 million. The estimate is in contrast to the year-ago figure of $10.00 million.
The collective assessment of analysts points to an estimated 'Capital markets income' of $32.83 million. Compared to the present estimate, the company reported $37.00 million in the same quarter last year.
The consensus among analysts is that 'Card fees' will reach $60.98 million. The estimate is in contrast to the year-ago figure of $64.00 million.
View all Key Company Metrics for Comerica here>>>
Shares of Comerica have demonstrated returns of +15.1% over the past month compared to the Zacks S&P 500 composite's +5% change. With a Zacks Rank #3 (Hold), CMA is expected to mirror the overall market performance in the near future. You can see the complete list of today's Zacks Rank #1 (Strong Buy) stocks here >>>> .
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Seeking Clues to Comerica (CMA) Q2 Earnings? A Peek Into Wall Street Projections for Key Metrics

In trading on Tuesday, shares of Comerica, Inc. (Symbol: CMA) crossed above their 200 day moving average of $61.09, changing hands as high as $61.60 per share. Comerica, Inc. shares are currently trading up about 2% on the day. The chart below shows the one year performance of CMA shares, versus its 200 day moving average:
Looking at the chart above, CMA's low point in its 52 week range is $48.12 per share, with $73.45 as the 52 week high point — that compares with a last trade of $60.78.
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