The earnings call presented a positive performance for Comerica Bank with significant growth in earnings per share, loan growth, and strong capitalization. However, the challenges in deposit decline and criticized loans were noted. Despite these challenges, the highlights significantly outweigh the lowlights, indicating a strong quarter for the bank.

Company Guidance -

Q3 2025

During Comerica Bank's second quarter 2025 earnings call, several key metrics were highlighted. The bank reported an earnings per share (EPS) increase of nearly 14% from the previous quarter, reaching $1.42. Loans saw a growth of approximately 3% by period-end, while average loans were up nearly 1%. The capitalization remained robust with an estimated Common Equity Tier 1 (CET1) ratio of 11.94%, surpassing the 10% strategic target. Deposit pricing increased by four basis points, with non-interest bearing deposits stable at 38% of total deposits. The bank's efficiency ratio improved, driven by a $23 million decrease in expenses, alongside a $20 million increase in non-interest income. Comerica returned $193 million to shareholders through dividends and share repurchases, maintaining strong capitalization. The bank also reaffirmed its full-year 2025 guidance, projecting net interest income growth of 5% to 7%, with expectations of consistent loan and deposit growth in the latter half of the year.

Earnings per Share Increase

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

Loan Growth

Average loans up almost 1% and period-end loans up approximately 3%, with total commitments increased by $400 million.

Strong Capitalization

Capitalization remained a strength with an estimated CET1 of 11.94%, well above the 10% strategic target.

Non-Interest Income Growth

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

Improved Efficiency Ratio

Both non-interest income and non-interest expense improved, resulting in a lower efficiency ratio.

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

Daily Earnings Calendar >

CMA Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 17, 2025	2025 (Q3)	1.29 / -	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 1.3.

Become an Expert with TipRanks Premium

What am I Missing?

Make informed decisions based on Top Analysts' activity

Know what industry insiders are buying

Get actionable alerts from top Wall Street Analysts

Find out before anyone else which stock is going to shoot up

Get powerful stock screeners & detailed portfolio analysis

Subscribe Now See Plans & Pricing