The earnings call highlighted strong loan growth, an increase in earnings per share, and strategic investments in payment solutions, indicating a positive trajectory for Comerica. However, the decline in deposits, increased deposit pricing, and rising criticized loans present challenges. The outlook for expenses is also concerning with anticipated increases in the second half of the year.

Company Guidance

During Comerica Bank's second quarter 2025 earnings call, the company provided optimistic guidance for the remainder of 2025. The bank reported an estimated Common Equity Tier 1 (CET1) ratio of 11.94%, exceeding their strategic target of 10%. They experienced a 14% increase in earnings per share to $1.42, driven by a 3% growth in period-end loans and stable net interest income at $575 million. Non-interest income rose by $20 million, while expenses decreased by $23 million, improving the efficiency ratio. For the full year, Comerica anticipates net interest income growth of 5% to 7%, with non-interest income and expenses projected to grow by 2%. The bank plans to maintain a CET1 ratio above 10%, continue $100 million in share repurchases, and expects net charge-offs to remain at the lower end of their 20-40 basis point range. Despite economic uncertainties, Comerica remains focused on strategic investments and driving growth through enhanced payment solutions and customer engagement.

Loan Growth

Average loans increased by almost 1% and period-end loans by approximately 3%, driven by new loan production for new and existing customers.

Earnings Increase

Reported earnings per share of $1.42, representing an almost 14% increase over the prior quarter.

Capitalization Strength

Estimated CET1 of 11.94%, well above the 10% strategic target, even after a compelling dividend and higher share repurchases.

Non-Interest Income Improvement

Non-interest income increased by $20 million with growth across most customer line items.

Strategic Investments in Payments

Introduced new real-time payment solutions, enhancing competitive funding sources and customer flexibility.

Comerica (CMA) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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CMA Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 17, 2025	2025 (Q3)	1.28 / -	1.33	―	―	―
Jul 18, 2025	2025 (Q2)	1.25 / 1.42	1.49	-4.70% (-0.07)
Apr 21, 2025	2025 (Q1)	1.16 / 1.25	0.98	27.55% (+0.27)
Jan 22, 2025	2024 (Q4)	1.29 / 1.22	0.2	510.00% (+1.02)
Oct 18, 2024	2024 (Q3)	1.17 / 1.33	1.84	-27.72% (-0.51)
Jul 19, 2024	2024 (Q2)	1.19 / 1.49	2.01	-25.87% (-0.52)
Apr 18, 2024	2024 (Q1)	1.09 / 0.98	2.39	-59.00% (-1.41)
Jan 19, 2024	2023 (Q4)	0.84 / 0.20	2.58	-92.25% (-2.38)
Oct 20, 2023	2023 (Q3)	1.69 / 1.84	2.6	-29.23% (-0.76)
Jul 21, 2023	2023 (Q2)	1.86 / 2.01	1.92	4.69% (+0.09)

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

CMA Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 18, 2025	$62.42	$65.32	+4.65%
Apr 21, 2025	$52.30	$49.98	-4.44%
Jan 22, 2025	$64.74	$61.14	-5.56%
Oct 18, 2024	$60.44	$62.66	+3.67%

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.

FAQ

When does Comerica Inc. (CMA) report earnings?

Comerica Inc. (CMA) is schdueled to report earning on Oct 17, 2025, Before Open (Confirmed).

What is Comerica Inc. (CMA) earnings time?

Comerica Inc. (CMA) earnings time is at Oct 17, 2025, Before Open (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 (Q3) is 1.28.

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