Comerica(US:CMA) ZACKS·2026-01-21 00:30Core Insights - Comerica Incorporated (CMA) reported revenue of $850 million for the quarter ended December 2025, reflecting a year-over-year increase of 0.7% [1] - Earnings per share (EPS) for the quarter was $1.46, up from $1.20 in the same quarter last year [1] - The reported revenue was slightly below the Zacks Consensus Estimate of $850.07 million, resulting in a surprise of -0.01% [1] - The company did not meet the consensus EPS estimate of $1.28, indicating no EPS surprise [1] Financial Metrics - Efficiency Ratio stood at 72.3%, higher than the average estimate of 71% based on four analysts [4] - Net interest margin was reported at 3.1%, matching the average estimate of 3.1% [4] - Net charge-offs (recoveries) to average total loans were 0%, better than the average estimate of 0.2% [4] - Average balance of total earning assets was $72.4 billion, exceeding the average estimate of $72.11 billion [4] - Total nonperforming assets were $251 million, slightly below the average estimate of $253.53 million [4] - Total noninterest income was $273 million, close to the average estimate of $273.78 million [4] - Net interest income was reported at $577 million, slightly below the average estimate of $577.24 million [4] - Service charges on deposit accounts were $48 million, above the average estimate of $47.15 million [4] - Fiduciary income was $55 million, in line with the average estimate of $55.08 million [4] - Commercial lending fees were $16 million, below the average estimate of $17.45 million [4] - Bank-owned life insurance income was $11 million, exceeding the average estimate of $9.05 million [4] - Capital markets income was reported at $36 million, below the average estimate of $45.26 million [4] Stock Performance - Comerica's shares have returned +3.2% over the past month, outperforming the Zacks S&P 500 composite's +1.6% change [3] - The stock currently holds a Zacks Rank 3 (Hold), suggesting it may perform in line with the broader market in the near term [3]