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Comerica Bilanço Sağlığı
Finansal Sağlık kriter kontrolleri 6/6
Comerica şirketinin toplam varlıkları $80.1B ve toplam özkaynağı $7.7B dır. Toplam mevduat $64.9B ve toplam krediler $50.1B dır. 3.1% Net Faiz Marjı kazanır. Şu anda toplam kredilerin 0.5% i olan kötü krediler için yeterli ödeneği vardır. Nakit ve kısa vadeli yatırımlar $7.5B dir.
Anahtar bilgiler
10.4x
Varlık/özkaynak oranı
3.1%
Net faiz marjı
| Toplam mevduat | US$64.87b |
| Kredi/mevduat oranı | Uygun |
| Batık krediler | 0.5% |
| Sorunlu krediler için ayrılan karşılık | Yeterli |
| Cari oran | Düşük |
| Nakit ve eşdeğerleri | US$7.50b |
Son finansal sağlık güncellemeleri
Güncelleme yok
Recent updates
Anlatı Güncellemesi • Jan 25
CMA: Merger Approvals And Integration Progress Will Shape Fairly Balanced Outlook
Narrative Update The analyst price target for Comerica has moved higher from US$81.28 to US$88.75, with analysts pointing to recent target increases, ratings upgrades, and expectations around the Fifth Third acquisition as key drivers of their updated views. Analyst Commentary Recent research on Comerica clusters around two themes: the pending acquisition by Fifth Third and how regional banks stack up against larger peers.
Anlatı Güncellemesi • Jan 11
CMA: Fifth Third Deal And Higher P/E Multiple Will Drive Repricing
Analysts have lifted their fair value estimate for Comerica to about $113.47 from $99.00, citing higher Street price targets, recent upgrades related to the pending Fifth Third acquisition, and updated assumptions that include a higher future P/E multiple, even as revenue growth and profit margin expectations are more restrained. Analyst Commentary Bullish analysts are leaning more constructive on Comerica following the announced acquisition by Fifth Third, with several research updates pointing to improved sentiment on both valuation and deal execution.Anlatı Güncellemesi • Dec 27
CMA: Fifth Third Merger Will Drive Repricing And Earnings Outlook Through 2027
Analysts have nudged their fair value estimate for Comerica higher, lifting the target from $97.00 to $99.00 as they factor in the Fifth Third acquisition, modestly stronger revenue growth and profitability assumptions, and a higher future earnings multiple reflecting anticipated deal accretion and improved banking sector sentiment. Analyst Commentary Street research surrounding Comerica has shifted meaningfully more constructive following the announced merger with Fifth Third, with several bullish analysts revisiting ratings and valuation frameworks.Anlatı Güncellemesi • Dec 13
CMA: Fifth Third Merger Will Reframe Earnings Outlook And Trading Dynamics
Analysts have lifted their fair value estimate for Comerica to $97 from about $71, reflecting higher expected revenue growth and valuation multiples as the Fifth Third stock merger reshapes the bank's earnings outlook and trading dynamics. Analyst Commentary Recent Street research reflects a meaningful shift in sentiment toward Comerica following the announced all stock acquisition by Fifth Third, with several bullish analysts revising ratings and price targets higher to reflect the new strategic and valuation framework.Anlatı Güncellemesi • Nov 29
CMA: Merger Will Shift Share Focus While Integration And Board Actions Remain Key
Comerica's average analyst price target has increased, with analysts citing the anticipated benefits and strategic rationale of the recently announced merger with Fifth Third as the primary drivers for the upward revision. Analyst Commentary Following the announcement of the merger between Comerica and Fifth Third, analysts have provided a range of perspectives on the outlook for Comerica shares.Anlatı Güncellemesi • Nov 15
CMA: Outlook Will Balance Merger Synergies With Execution And Integration Risks
Analysts have modestly increased their price target for Comerica from $79.78 to $81.28. This reflects renewed optimism following the announced merger with Fifth Third and supportive M&A trends within the sector.Anlatı Güncellemesi • Nov 01
CMA: Fifth Third Merger Will Shape Sunbelt Reach And Influence Future Performance
Comerica's fair value estimate has been raised from $75.05 to $79.78. Analysts cite anticipated benefits from the recently announced merger with Fifth Third and the resulting upward revisions to price targets.Anlatı Güncellemesi • Oct 18
Sunbelt And Digital Focus Will Define Future Strength
Comerica's analyst price target has increased from $69 to $75.05. Analysts highlight the supportive impact of the pending merger with Fifth Third Bancorp and updated valuation frameworks.Anlatı Güncellemesi • Oct 03
Sunbelt And Digital Focus Will Define Future Strength
Comerica’s analyst price target increased from $67.38 to $69.00, as analysts cite improving net interest income projections and a more constructive operating environment for mid-cap banks. Analyst Commentary Recent Street research on Comerica highlights a mix of optimistic and cautious views among analysts, reflecting both improved expectations for bank fundamentals and some persistent risks facing the sector.Anlatı Güncellemesi • Sep 11
Sunbelt And Digital Focus Will Define Future Strength
Analysts have raised Comerica’s price target slightly to $67.38, reflecting expectations of a constructive macro environment, improved loan growth, potential M&A, and relative valuation appeal for capital-strong regional banks. Analyst Commentary Expectations of a constructive macro backdrop supporting banking fundamentals, loan growth acceleration in the second half, and potential M&A activity.Seeking Alpha • Aug 19
CMA.PR.B: 6.875% Fixed Rate Reset Preferred IPO From Comerica Incorporated
Summary CMA.PR.B offers a 6.875% fixed, non-cumulative dividend, resetting in 2030, with favorable tax treatment, and strong dividend coverage from Comerica's common equity. Comerica's credit profile has been unchanged since 2020, but faces a negative outlook due to funding and liquidity pressures, though preferred dividend risk appears minimal for now. The preferred stock trades at a significant credit spread premium versus company debt, suggesting attractive relative value for income-focused investors. Relative sector valuation shows CMA-B is fairly priced versus peers, but I prefer higher-quality alternatives like BOH-B and RF-F for better risk/reward. I see no immediate concerns for CMA-B holders, but I will monitor for a more attractive entry point before considering an investment. Read the full article on Seeking AlphaSeeking Alpha • Apr 21
Comerica Q1 Earnings Review: Deposit Weakness Offsets Solid Credit Quality
Summary Comerica Incorporated's Q1 results showed solid credit quality but weak deposit trends, with average deposits falling by $1.4 billion and a significant 5% annual decline. Despite cutting deposit costs aggressively, Comerica's strategy to maximize margins may hinder deposit growth, especially with the loss of the Direct Express contract. Loan demand remains soft, with average balances down $400 million, and commercial real estate exposure declining by $250 million amid economic uncertainty. Given average capital and poor deposit trends, I rate CMA stock as a hold, expecting shares to remain in the low-$50s, with limited upside potential. Read the full article on Seeking AlphaSeeking Alpha • Jan 27
Comerica: Deposit Pressures Reflected After A Mixed Q4 (Rating Upgrade)
Summary Comerica's shares have been mixed, gaining 15% but lagging due to declining deposits and loss of a government contract, leading to a "hold" rating. Q4 results showed weak deposit growth but impressive pricing actions, with a shift from brokered to core deposits, aiding margin expansion. Loan demand remains tepid, but credit quality is solid with limited commercial real estate exposure, and the bank benefits more from falling rates. Despite some downside risks, CMA stock is trading around fair value, with limited upside but a secure dividend, justifying an upgrade to "hold". Read the full article on Seeking AlphaSeeking Alpha • Nov 15
Comerica: Too Much Optimism Given Deposit Headwinds (Downgrade)
Summary Comerica's shares have rallied 60% over the past year, but the recent gains appear overdone given ongoing deposit weaknesses. Despite a solid capital position and potential regulatory benefits, CMA faces challenges with declining noninterest-bearing deposits and higher deposit costs. The bank's net interest margin is pressured by unfavorable deposit mix and declining loans, with limited near-term earnings growth expected. With a full valuation at 13x earnings and a 10% downside risk, I recommend selling Comerica shares to capitalize on the recent rally. Read the full article on Seeking AlphaFinansal Durum Analizi
Borç-Özkaynak Tarihçesi ve Analizi
Bilanço
Finansal Kurumlar Analizi
Varlık Seviyesi: CMA 'nin Varlıkların Öz Sermayeye Oranı ( 10.4 x) orta'dır.
Kötü Krediler İçin Ödenek: CMA yeterli kötü krediler için bir ödeneği var ( 266 %).
Düşük Riskli Yükümlülükler: CMA 'un yükümlülüklerinin 90% 'i esas olarak düşük riskli finansman kaynaklarından oluşmaktadır.
Kredi Seviyesi: CMA Kredi/Varlık oranı açısından uygun bir seviyeye sahiptir ( 63% ).
Düşük Riskli Mevduatlar: CMA 'nin Kredi/Mevduat oranı ( 77% ) uygundur.
Kötü Kredilerin Seviyesi: CMA uygun düzeyde kötü krediler içeriyor ( 0.5 %).
Sağlıklı şirketleri keşfedin
Şirket Analizi ve Finansal Veri Durumu
| Veri | Son Güncelleme (UTC saati) |
|---|---|
| Şirket Analizi | 2026/02/03 10:49 |
| Gün Sonu Hisse Fiyatı | 2026/01/30 00:00 |
| Kazançlar | 2025/12/31 |
| Yıllık Kazançlar | 2025/12/31 |
Veri Kaynakları
Şirket analizimizde kullanılan veriler S&P Global Market Intelligence LLC'den alınmıştır. Bu raporu oluşturmak için analiz modelimizde aşağıdaki veriler kullanılmıştır. Veriler normalize edilmiştir, bu da kaynağın mevcut olmasından kaynaklanan bir gecikmeye neden olabilir.
| Paket | Veri | Zaman Çerçevesi | Örnek ABD Kaynağı * |
|---|---|---|---|
| Şirket Finansalları | 10 yıl |
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| Analist Konsensüs Tahminleri | +3 yıl |
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| Piyasa Fiyatları | 30 yıl |
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| Sahiplik | 10 yıl |
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| Yönetim | 10 yıl |
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| Önemli Gelişmeler | 10 yıl |
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* ABD menkul kıymetleri için örnek, ABD dışı için eşdeğer düzenleyici formlar ve kaynaklar kullanılmıştır.
Belirtilmediği sürece tüm finansal veriler yıllık bir döneme dayanmaktadır ancak üç ayda bir güncellenmektedir. Bu, İzleyen On İki Ay (TTM) veya Son On İki Ay (LTM) Verileri olarak bilinir. Daha fazla bilgi edinin.
Analiz Modeli ve Kar Tanesi
Bu raporu oluşturmak için kullanılan analiz modelinin ayrıntılarına Github sayfamızdan ulaşabilirsiniz; ayrıca raporlarımızı nasıl kullanacağınıza dair kılavuzlarımız ve YouTube’da eğitim videolarımız da bulunmaktadır.
Simply Wall St analiz modelini tasarlayan ve oluşturan hakkında bilgi edinin.
Endüstri ve Sektör Metrikleri
Sektör ve bölüm metriklerimiz Simply Wall St tarafından her 6 saatte bir hesaplanmaktadır, sürecimizin ayrıntıları Github'da mevcuttur.
Analist Kaynakları
Comerica Incorporated 32 Bu analistlerden 9, raporumuzun girdisi olarak kullanılan gelir veya kazanç tahminlerini sunmuştur. Analistlerin gönderimleri gün boyunca güncellenmektedir.
| Analist | Kurum |
|---|---|
| Kevin Heal | Argus Research Company |
| David George | Baird |
| Kevin St. Pierre | Bernstein |