Financial Performance & Key Metrics - FY24 net income was $698 million, with earnings per share at $5.02 [11] - Adjusted earnings per share for FY24 were $5.39 [11] - The CET1 ratio was 11.89% [8, 11], well above the company's strategic target - The efficiency ratio for FY24 was 70.68% [11] - Net interest income for FY24 was $2.19 billion [11] Balance Sheet & Loan Portfolio - Average loans for FY24 were $50.979 billion [11], a decrease of $2.924 billion year-over-year [11] - Average deposits for FY24 were $63.901 billion [11], a decrease of $2.117 billion year-over-year [11] - Brokered time deposits were reduced to $4.8 billion at the end of 2024 [8] from $10.4 billion in 2023 [8] Credit Quality & Risk Management - Net charge-offs for FY24 were historically low at 0.10% of average total loans [8] - Allowance for credit losses as a percentage of total loans was 1.44% in 4Q24 [15] - Criticized loans in the Commercial Real Estate business line were 4.4% of loans as of 4Q24 [72] Strategic Initiatives & Market Presence - The company has a diversified geographic footprint with significant presence in Texas (25% of loans, 17% of deposits), California (36% of loans, 27% of deposits), and Michigan (22% of loans, 15% of deposits) [5] - The company resumed share repurchases in 4Q24 [9] - Wealth Management represents approximately 27% of Comerica's Noninterest Income and has >$200B Assets Under Administration (AUA) [100]

It always feels safest, right before it gets dangerous. When you see the VIX at its lowest, when your account is up and the headlines are quiet, that's when most investors let their guard down. But the truth is, in today's market, peace is only an illusion.One unexpected Trump tweet can instantly send stocks into a tail spin, even if nothing really in the world has changed. Why. Because so much of the market is now run by computers that react in seconds to every headline.If you're newer to the game, here's ...

Core Insights - The stock is facing challenges on the NYSE due to several factors, including the Federal Reserve's delay in cutting interest rates and weak financial performance [1] Group 1: Company Profile - Mr. Mavroudis is a professional portfolio manager with expertise in institutional and private portfolios, focusing on risk management and in-depth financial market analysis [1] - He has successfully navigated major crises, including the COVID-19 pandemic and the PSI, and is the CEO of FAST FINANCE Investment Services, a registered Greek company [1] - Mr. Mavroudis holds multiple degrees and certifications, including an MSc in Financial and Banking Management and is a certified portfolio manager by the Hellenic Capital Market Commission [1] Group 2: Market Engagement - Mr. Mavroudis writes daily articles for reputable financial media and participates as a guest commentator on television and online programs [1] - He aims to engage with a community of investors and market enthusiasts through his writings on Seeking Alpha, contributing meaningful perspectives while fostering mutual growth and knowledge sharing [1]

Group 1 - The article discusses the importance of risk management and total return investing for better portfolio decisions [1] - The author is a contributing analyst for the Sungarden Investors Club, focusing on teaching investors [1] - The article is co-authored with Rob Isbitts, the founder of the club, indicating a collaborative effort in investment education [1] Group 2 - The author has a beneficial long position in the shares of NBIS and PLTR, indicating a personal investment interest [2] - The article expresses the author's own opinions without compensation from the companies mentioned [2] - There is no business relationship with any company whose stock is mentioned, ensuring independence in analysis [2]

Core Insights - The individual has extensive experience in risk management and financial analysis, with a strong educational background in applied risk management and relevant certifications [1] - The focus is on translating complex financial data into actionable insights for investors, emphasizing data-driven analysis and long-term value creation [1] Group 1: Professional Background - The individual has worked in various roles across leading firms, including EY, PwC, Alpha Bank, and the National Bank of Greece, showcasing a diverse experience in finance and risk analysis [1] - Expertise includes financial analysis, risk management, data analysis using SQL, Python, and machine learning tools, indicating a strong technical foundation [1] Group 2: Areas of Interest - Primary areas of interest include risk management, financial analysis, data science, and the impact of economic factors on financial markets, highlighting a comprehensive understanding of the industry [1] - The aim is to provide informed analysis on market trends, risk management practices, and investment strategies to support informed decision-making [1]

Investment Strategy for Late Starters - Starting to invest late in life is not a lost cause, discipline and strategy are crucial [1] - The biggest mistake is gambling to make up for lost time, prioritize stability and cash flow [2] - Focus on capital preservation and calculated risks [4] - Get a financial plan, including budgeting and automating investments [5] Asset Allocation - Consider high-quality dividend stocks, blue-chip companies, and diversified ETFs [3] - Defensive sectors like healthcare, utilities, and consumer staples are recommended [3] - Bonds or fixed income add stability, especially approaching retirement [4] Specific Investment Examples - Examples include Johnson & Johnson and Proctor & Gamble [3] - XLP or VO ETFs should be core holdings [3] Risk Management - Avoid chasing risky stocks or speculating on the next big thing [2] - Do not go all-in on the riskiest ideas, especially near retirement [3]

Here's the question for me. What risks are actually worth managing at the moment. Because for a lot of people, they're being rewarded by just ignoring pretty much everything.It's amazing. John. It reminds us a bit of the talking head song, same as it ever was, just looking back a week.You saw that typical geopolitical risk management narrative playing out with the dollar briefly catching a bid. You saw oil prices obviously higher, gold getting a bid, and all of that has quickly reversed. This is one of the ...

Investment Strategy - The company focuses on identifying high-potential winners before they break out, emphasizing asymmetric opportunities with an upside potential of 2-3 times outweighing the downside risk [1] - The investment methodology includes leadership and management analysis, market disruption and competitive positioning, financial health and risk management, valuation and asymmetric risk/reward, and portfolio construction and risk control [1] Leadership & Management Analysis - Proven track record in scaling businesses is essential for investment decisions [1] - Smart capital allocation and insider ownership are key factors [1] - Consistent revenue growth and credible guidance are prioritized [1] Market Disruption & Competitive Positioning - A strong technology moat and first-mover advantage are critical for success [1] - Network effects that drive exponential growth are sought after [1] - Market penetration in high-growth industries is a focus area [1] Financial Health & Risk Management - Sustainable revenue growth with efficient cash flow is necessary for long-term viability [1] - A strong balance sheet and long-term survival runway are essential [1] - Avoiding excessive dilution and financial weakness is a priority [1] Valuation & Asymmetric Risk/Reward - Revenue multiples compared to peers and DCF modeling are used for valuation [1] - Institutional backing and market sentiment analysis are considered [1] - Ensuring downside protection while maximizing upside potential is a key strategy [1] Portfolio Construction & Risk Control - Core positions (50-70%) consist of high-confidence, stable plays [1] - Growth bets (20-40%) are allocated to high-risk, high-reward opportunities [1] - Speculative investments (5-10%) are made in moonshot disruptors with massive potential [1]

Let's talk about another economic side of the story and that is risk that is insurance because insurers everywhere are no doubt trying to figure out how to price in risk that exists and risk that may exist or may not in 3 6 12 months. Contessa Bur covers insurers here for us at CNBC and joins us now with this side of the story. So, Brian Morgan, what I heard from the head of aviation and marine for Lloyd's Market Association told me that ships already are notifying their insurers of their planned transit th ...

Hey, I'm Kramer. Welcome to Mad Money. Welcome to Craig America. People make friends. I'm just trying to make you some money. My job is not just to entertain, but to educate and to teach you to be a better investor. So call me at 1800743 CBC or tweet me at Jim Kramer. Tonight I want to share some of my accumulated wisdom and there's a lot to accumulate in this business. There are so many different things you need to balance in order to be a great investor that it can be hard to keep track of everything. Now ...