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Upturn AI SWOT - About
CMA 
Comerica Inc (CMA)
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Upturn Advisory Summary
04/01/2025: CMA (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -19.13% | Avg. Invested days 32 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 7.75B USD | Price to earnings Ratio 11.76 | 1Y Target Price 67 |
Price to earnings Ratio 11.76 | 1Y Target Price 67 | ||
Volume (30-day avg) 2042533 | Beta 1.26 | 52 Weeks Range 43.08 - 71.76 | Updated Date 03/31/2025 |
52 Weeks Range 43.08 - 71.76 | Updated Date 03/31/2025 | ||
Dividends yield (FY) 4.81% | Basic EPS (TTM) 5.02 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 21.85% | Operating Margin (TTM) 30.85% |
Management Effectiveness
Return on Assets (TTM) 0.85% | Return on Equity (TTM) 10.78% |
Valuation
Trailing PE 11.76 | Forward PE 11.04 | Enterprise Value 8585566720 | Price to Sales(TTM) 2.39 |
Enterprise Value 8585566720 | Price to Sales(TTM) 2.39 | ||
Enterprise Value to Revenue 4.57 | Enterprise Value to EBITDA - | Shares Outstanding 131206000 | Shares Floating 130423272 |
Shares Outstanding 131206000 | Shares Floating 130423272 | ||
Percent Insiders 0.75 | Percent Institutions 84.13 |
Analyst Ratings
Rating 3.29 | Target Price 70.7 | Buy 4 | Strong Buy 4 |
Buy 4 | Strong Buy 4 | ||
Hold 12 | Sell 3 | Strong Sell 1 | |
Strong Sell 1 |
Upturn AI SWOT
Comerica Inc
Company Overview
History and Background
Comerica Incorporated was founded in 1849 as the Detroit Savings Fund Institute. It evolved from a savings bank to a full-service financial institution, expanding its reach nationally and internationally through strategic acquisitions and organic growth.
Core Business Areas
- Commercial Banking: Provides a wide array of financial products and services to middle market companies, small businesses, and corporations, including lending, deposit accounts, cash management, and international trade finance.
- Retail Banking: Offers personal banking services, including checking and savings accounts, mortgages, home equity lines of credit, and investment services to individuals and families.
- Wealth Management: Provides wealth management, private banking, and fiduciary services to high-net-worth individuals, families, and institutions.
Leadership and Structure
Comerica Inc. is led by Curt Farmer (Chairman, President, and CEO). The organizational structure is based on business lines and support functions, with a hierarchical management system.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans provided to businesses for various purposes, including working capital, expansion, and acquisitions. Comerica is a significant lender in the commercial market. Competitors include JPM, BAC, WFC and regional banks.
- Treasury Management Services: Solutions to help businesses manage their cash flow, payments, and investments. Competitors include large national banks and specialized fintech companies.
- Wealth Management Solutions: Comprehensive financial planning, investment management, and trust services for high-net-worth individuals. Competitors include large wealth management firms like Morgan Stanley, Goldman Sachs, and regional players.
Market Dynamics
Industry Overview
The banking industry is facing increasing competition from fintech companies, evolving regulatory landscape, and fluctuating interest rates. Digital transformation and customer expectations are driving changes in the industry.
Positioning
Comerica is a regional bank with a focus on commercial banking and wealth management. Its competitive advantages include strong relationships with middle-market companies and a reputation for personalized service.
Total Addressable Market (TAM)
The TAM for banking services in the US is estimated to be in the trillions of dollars. Comerica holds a small share of this large market, primarily concentrated in specific geographic regions and business segments.
Upturn SWOT Analysis
Strengths
- Strong commercial banking franchise
- Experienced management team
- Solid capital base
- Well-established presence in key markets
- Focus on relationship banking
Weaknesses
- Limited geographic diversification
- Reliance on commercial lending
- Lower brand awareness compared to national banks
- Potential vulnerability to regional economic downturns
Opportunities
- Expansion into new markets
- Investment in technology to enhance customer experience
- Growth in wealth management business
- Strategic acquisitions
- Increased focus on digital banking
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturns
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- USB
Competitive Landscape
Comerica faces stiff competition from larger national banks with greater resources and brand recognition. Its strength lies in its focus on specific market segments and personalized service.
Major Acquisitions
Sterling Bancshares Inc.
- Year: 2011
- Acquisition Price (USD millions): 1030
- Strategic Rationale: Expanded Comerica's presence in the Texas market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth unavailable. Data needed.
Future Projections: Analyst projections unavailable. Future growth projection is 5% per annum (placeholder).
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion of wealth management services.
Summary
Comerica is a regional bank with a solid commercial banking franchise, but faces challenges from larger competitors and fintech companies. Its focus on relationship banking and wealth management provides strengths. It needs to invest further in technology and expand geographically to enhance long-term growth. It needs to be aware of market interest rates and market volatility.
Similar Companies
- JPM
- BAC
- WFC
- PNC
- USB
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports (Hypothetical)
- Market Data (Hypothetical)
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market share and financial data are estimates and may not be exact. Actual performance may vary.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Comerica Inc
Exchange NYSE | Headquaters Dallas, TX, United States | ||
IPO Launch date 1990-03-26 | Chairman, CEO & President Mr. Curtis Chatman Farmer | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 7565 | Website https://www.comerica.com |
Full time employees 7565 | Website https://www.comerica.com | ||
Comerica Incorporated, together with its subsidiaries, provides financial services in the United States, Canada, and Mexico. The company operates through Commercial Bank, Retail Bank, and Wealth Management segments. The Commercial Bank segment offers various products and services, including commercial loans and lines of credit, deposits, cash management, payment solutions, card services, capital market products, international trade finance, letters of credit, foreign exchange management services, and loan syndication services for small and middle market businesses, multinational corporations, and governmental entities. The Retail Bank segment provides personal financial services, such as consumer lending, consumer deposit gathering, and mortgage loan origination; and various consumer products that include deposit accounts, installment loans, credit cards, home equity lines of credit, and residential mortgage loans. The Wealth Management segment offers products and services comprising financial planning, trust and fiduciary services, investment management and advisory, brokerage, private banking, and business transition planning services for affluents, high-net worth and ultra-high-net-worth individuals and families, business owners and executives, and institutional clients. The company was formerly known as DETROITBANK Corporation and changed its name to Comerica Incorporated in July 1982. Comerica Incorporated was founded in 1849 and is headquartered in Dallas, Texas.
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