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Comerica Inc. (CMA)
NYSE:CMA
Earnings Data
Report Date
Jul 18, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
1.28Last Year’s EPS
1.49Same Quarter Last Year
Based on 16 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Apr 21, 2025
|% Change Since: 10.61%
|Next Earnings Date:Jul 18, 2025
Earnings Call Sentiment|Neutral
The earnings call highlighted Comerica's strong financial performance, conservative capital management, and robust liquidity. However, muted loan demand, seasonal income pressures, and economic uncertainty impacting customer sentiment were notable challenges. Despite these challenges, the company's stability in net interest income and credit management was emphasized.Company Guidance
During Comerica's first quarter 2025 earnings call, CEO Curt Farmer highlighted several key metrics and guidance. The company reported earnings of $172 million or $1.25 per share, with a net interest income of $575 million, which remained stable quarter-over-quarter. Despite a modest reduction in average loan balances due to muted loan demand and declines in specific sectors like National Dealer Services and Commercial Real Estate, strong non-interest bearing deposits helped offset this impact. The CEO noted a 12 basis point expansion in the net interest margin and an estimated CET1 ratio of 12.05%, indicating a strong capital position. The bank returned $143 million to common shareholders through share repurchases and dividends. For 2025, Comerica projects full-year net interest income growth of 5% to 7% and non-interest income growth of approximately 2%, with expenses expected to grow 2% to 3%. The bank remains focused on conservative capital management and maintaining a robust liquidity position, while navigating a dynamic economic environment.Strong Financial Performance
Comerica exceeded expectations in several categories, resulting in higher profitability over the prior quarter. Net interest income outperformed guidance, and the tangible common equity ratio increased, contributing to an increase in book value at quarter end.
Conservative Capital Management
Comerica grew its estimated CET1 ratio and returned $143 million to common shareholders through share repurchases and dividends, maintaining a capital position well above the strategic target.
Net Interest Income Stability
Net interest income remained stable quarter-over-quarter at $575 million, with a 12 basis point expansion of the net interest margin due to strong non-interest-bearing deposits and successful deposit pricing strategies.
Robust Liquidity and Credit Management
Comerica demonstrated robust liquidity with a strong loan-to-deposit ratio and maintained conservative credit management, with net charge-offs at the low end of the normal range despite increased macroeconomic uncertainty.
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CMA Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
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CMA Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 21, 2025 | $52.95 | $50.60 | -4.44% |
Jan 22, 2025 | $65.55 | $61.91 | -5.55% |
Oct 18, 2024 | $61.20 | $63.45 | +3.68% |
Jul 19, 2024 | $54.34 | $48.64 | -10.49% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
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FAQ
When does Comerica Inc. (CMA) report earnings?
Comerica Inc. (CMA) is schdueled to report earning on Jul 18, 2025, TBA Not Confirmed.
What is Comerica Inc. (CMA) earnings time?
Comerica Inc. (CMA) earnings time is at Jul 18, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is CMA EPS forecast?
CMA EPS forecast for the fiscal quarter 2025 (Q2) is 1.28.
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