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Comerica (CMA) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates

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For the quarter ended June 2025, Comerica Incorporated (CMA - Free Report) reported revenue of $849 million, up 3% over the same period last year. EPS came in at $1.42, compared to $1.53 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $844.72 million, representing a surprise of +0.51%. The company delivered an EPS surprise of +15.45%, with the consensus EPS estimate being $1.23.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Comerica performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Efficiency Ratio: 65.8% versus the six-analyst average estimate of 70.1%.
  • Net interest margin: 3.2% versus the six-analyst average estimate of 3.3%.
  • Net charge-offs (recoveries)/Average total loans: 0.2% versus 0.2% estimated by six analysts on average.
  • Average Balance - Total earning assets: $70.34 billion compared to the $70.4 billion average estimate based on five analysts.
  • Total nonperforming assets: $249 million versus the three-analyst average estimate of $306.34 million.
  • Total nonperforming loans: $248 million compared to the $308.51 million average estimate based on two analysts.
  • Net interest income: $575 million compared to the $576.45 million average estimate based on six analysts.
  • Total noninterest income: $274 million versus the six-analyst average estimate of $263.45 million.
  • Service charges on deposit accounts: $47 million versus $46.96 million estimated by four analysts on average.
  • Commercial lending fees: $17 million compared to the $16.82 million average estimate based on four analysts.
  • Fiduciary income: $57 million compared to the $54.69 million average estimate based on three analysts.
  • Letter of credit fees: $10 million versus the three-analyst average estimate of $11.94 million.

View all Key Company Metrics for Comerica here>>>

Shares of Comerica have returned +11.8% over the past month versus the Zacks S&P 500 composite's +5.4% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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