Comerica Incorporated (CMA) provides a diverse array of financial solutions and services through its various subsidiaries. The company operates across four main ...
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Est. EPS $1.41 · Revenue $861.05M · 1 analysts
Est. EPS $5.37 · Revenue $3.44B · 6 analysts
Est. EPS $1.25 · Revenue $852.76M · 1 analysts
EPS $5.29 · Revenue $4.80B
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $4.8B | -3.9% | -0.4% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $723.0M | +3.6% | 0.0% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +68.1% | +6.4% | +2.9% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +19.1% | +7.2% | -3.1% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +15.1% | +7.8% | +0.4% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $0 | -100.0% | +100.0% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | 0.0% | -100.0% | +100.0% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 70.4% | -31.0% | -3.6% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 0.28x | +20.5% | -0.9% |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $80.1B | +1.0% | +3.5% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | 5.29 vs 5.28 | +0.1% | 1.27 vs 1.29 | -1.3% |
| Revenue Surprise | $4.8B vs $3.4B | +42.7% | $1.2B vs $849.4M | +41.9% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| Feb 1, 2026 | TAUBMAN ROBERT S | director | Restricted Stock Units | D | 319 | — |
| Feb 1, 2026 | TAUBMAN ROBERT S | director | Common Stock | D | 67,416 | — |
| Feb 1, 2026 | Humrichouse Ximena G | director | Common Stock | D | 48,566 | — |
| Feb 1, 2026 | Van de Ven Michael G | director | Common Stock | D | 5,000 | — |
| Feb 1, 2026 | Smith Barbara | director | Common Stock | D | 21,372 | — |
Operator: Good morning, and welcome to Comerica Bank's Second Quarter 2025 Earnings Conference Call. At this time, all participants are in a listen-only mode. A question and answer session will follow the formal presentation. Please note that this conference is being recorded. I will now turn the conference over to your host, Kelly Gage, Director of Investor Relations. Thank you. You may begin. Kelly Gage: Thanks, Jessie. Good morning, and welcome to Comerica's second quarter 2025 earnings conference call. Participating on this call will be our President, Chairman and CEO, Curt Farmer, Chief Financial Officer, Jim Herzog, Chief Credit Officer, Melinda Chausse, and Chief Banking Officer, Peter Sefzik. During this presentation, we will be referring to slides which provide additional details. The presentation slides and our press release are available on the SEC's website as well as in the Investor Relations section of our website comerica.com. The presentation and this conference call contain forward-looking statements. In that regard, you should be mindful of the risks and uncertainties that can cause actual results to differ materially from expectations. Forward-looking statements speak only as of the date of this presentation, and we undertake no obligation to update any forward-looking statements. Please refer to the Safe Harbor statement in today's presentation on slide two. Also, the presentation and this conference call will reference non-GAAP measures. In that regard, direct you to the reconciliations of these measures in the earnings materials available on our website comerica.com. I'll turn the call over to Curt, who will begin on Slide three. Curt Farmer: Thank you, Kelly. Good morning, everyone, and thank you for joining our call. We are incredibly proud of this quarter's results. 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. Economic and geopolitical uncertainty persists, but customers appear more confident in their ability to navigate the environment and make adjustments where necessary. Beyond our financial results, this was an exciting quarter for payments and deposits as we announced new capabilities and product enhancements for our customers. We believe the milestones we achieved demonstrate the successful execution of our strategy and we feel ongoing efforts in this space position us well for future growth. Moving to a summary of the second quarter on slide four. We reported earnings per share of $1.42, representing an almost 14% increase over the prior quarter. …
| Name | Title | Compensation | Gender | Year Born | Status |
|---|---|---|---|---|---|
Curtis Chatman Farmer | Chairman, Chief Executive Officer & President | USD 3,334,655 | Male | 1963 | Active |
James J. Herzog | Chief Financial Officer & Senior EVice President | USD 1,563,365 | Male | 1962 | Active |
Peter L. Sefzik | Senior EVP & Chief Banking Officer | USD 1,462,455 | Male | 1976 | Active |
Megan D. Crespi | Senior EVP & COO | USD 1,329,300 | Female | 1974 | Active |
Megan D. Burkhart | Senior EVice President, Chief Administrative Officer & Chief Human Resources Officer | USD 987,036 | Female | 1972 | Active |
Bruce Mitchell | Executive Vice President & Chief Information Officer | — | Male | 1973 | Active |
Mauricio A. Ortiz | Executive Vice President, Chief Accounting Officer & Controller | — | Male | 1979 | Active |
Von E. Hays | Senior Executive Vice President, Chief Legal Officer & General Counsel | — | Male | 1972 | Active |
Eric Teal | Chief Investment Officer | — | Male | — | Active |
Kelly Gage | Senior Vice President & Director of Investor Relations | — | Female | — | Active |
CMA CGM will impose an emergency fuel surcharge following the renewed escalation of hostilities in the Strait of Hormuz effective August 1, the French shipping firm said in a notice posted on its website.
Fifth Third Bancorp is seeing early results of its merger with Comerica, is making progress on the integration and is set to launch its systems conversion over Labor Day weekend, Fifth Third Chairman, CEO and President Tim Spence said Friday (July 17) during a second-quarter earnings call.
The Fifth Third Bank parent posted a profit of $763 million, or 83 cents a share, in the second quarter.
Fifth Third Bancorp has rallied 30% over the past year, driven by a favorable macro environment and the transformative Comerica acquisition. FITB targets aggressive cost synergies from the Comerica deal but faces integration risks, elevated merger costs, and potential deposit attrition. The CET1 capital ratio has weakened post-acquisition, with gradual improvement expected as integration costs subside and synergies materialize.
CMA CGM will offer ocean transport and carrier services under a nonexclusive agreement with FedEx and the companies will also work together on select air-cargo capacity solutions.
