Comerica(US:CMA) ZACKS·2025-10-17 14:31Core Insights - Comerica Incorporated (CMA) reported $838 million in revenue for Q3 2025, a 3.3% year-over-year increase, but fell short of the Zacks Consensus Estimate by 0.67% [1] - The earnings per share (EPS) for the quarter was $1.35, slightly down from $1.37 a year ago, but exceeded the consensus estimate of $1.28 by 5.47% [1] Financial Performance Metrics - Efficiency Ratio: 70.2%, better than the estimated 71% [4] - Net Interest Margin: 3.1%, slightly below the estimated 3.2% [4] - Net Charge-offs (recoveries)/Average Total Loans: 0.3%, higher than the estimated 0.2% [4] - Average Balance - Total Earning Assets: $71.22 billion, exceeding the estimate of $71.07 billion [4] - Total Nonperforming Assets: $260 million, above the average estimate of $248.99 million [4] - Total Nonperforming Loans: $258 million, compared to the estimate of $248.98 million [4] - Total Noninterest Income: $264 million, below the average estimate of $274.21 million [4] - Net Interest Income: $574 million, slightly above the estimate of $569.44 million [4] - Service Charges on Deposit Accounts: $47 million, close to the estimate of $47.31 million [4] - Fiduciary Income: $51 million, below the estimate of $56 million [4] - Commercial Lending Fees: $17 million, in line with the estimate of $17.11 million [4] - Bank-owned Life Insurance: $13 million, exceeding the estimate of $9.03 million [4] Stock Performance - Comerica's shares have returned +5% over the past month, outperforming the Zacks S&P 500 composite's +0.7% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market [3]