NYSE$CMA

Comerica Inc · Q1 2023 earnings

Q1 2023 earnings · · Investor relations

Briefing

Reported strong first quarter earnings per share, balancing strong loan growth, a favorable rate environment, robust fee income and excellent credit performance with the impact of incremental funding costs on net interest income. Navigated disruption across the banking industry, protected core customer relationships and improved risk characteristics.

Comerica Incorporated reported a net income of $324 million, or $2.39 per share, for the first quarter of 2023. The results reflect strong loan growth, a favorable rate environment, robust fee income, and excellent credit quality, offset by the impact of incremental funding costs on net interest income. The company successfully navigated the disruption in the banking industry and retained its favorable noninterest-bearing orientation.

  • Strong, Broad-Based Loan Growth
  • Robust Fee Income
  • Excellent Credit Quality
  • Conservative Liquidity and Capital Position to Support Customers

Headline financials

Total Revenue

$990M

Previous: $700M+41.4%
EPS (adj)

$2.39

Previous: $1.37+74.5%
Efficiency Ratio

55.5%

Previous: 66.9%-17.0%
Net Interest Margin

3.6%

Previous: 2.2%+63.0%
CET1 Capital Ratio

10.1%

Previous: 9.9%+1.6%
Net Income

$324M

Previous: $189M+71.4%
Operating Income

$674M

Previous: $607M+11.0%
Gross Profit

$960M

Previous: $689M+39.3%
Cash & Equivalents

$10.7B

Previous: $13.6B-20.8%
Total Assets

$91.1B

Previous: $89.2B+2.2%
Stock-Based Comp

$28M

Previous: $28M+0.0%

Revenue & EPS history

Comerica · Revenue · Quarterly

$990M

Q1 2023+41.4%vs Q1 2022
Beat estimate in 9 of 16 quarters(56%)
ActualEstimate

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 15 quarterly earnings reports · overlaid with Q1 2023

Historical avgQ1 2023

-0.3%

Avg return

Earnings day

-1.9%

Avg return

5 days after

+0.0%

Avg return

30 days after

52%

36 / 69 earnings

Positive

+7.7%

Q3 2016

Best reaction

-12.9%

Q3 2022

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026
Q4 2025+2.0%+3.3%
Q3 2025+1.4%+3.7%+6.0%
Q2 2025+4.6%+6.7%+8.8%
Q1 2025-4.4%+0.3%+5.6%
Q4 2024-5.6%-5.3%-1.3%
Q3 2024-1.0%-1.0%+10.1%
Q2 2024-9.3%-8.9%-0.1%
Q1 2024+3.5%+5.7%+9.4%
Q4 2023+2.6%+0.3%-8.8%
Q3 2023-7.8%-7.8%+8.9%
Q2 2023-2.1%+1.0%-10.8%
Q1 2023-7.1%-13.5%-18.6%
Q4 2022+4.8%+7.9%+10.5%
Q3 2022-12.9%-9.5%-6.2%
Q2 2022+1.9%+1.5%+9.2%
Q1 2022-8.1%-6.9%-18.9%
Q4 2021-6.0%-9.0%-3.7%
Q3 2021+3.1%
Q2 2021+2.2%
Q1 2021-0.3%
Q4 2020-1.0%
Q3 2020+2.9%
Q2 2020+5.0%
Q1 2020+2.8%
Q4 2019-3.4%
Q3 2019-3.6%
Q2 2019-3.4%
Q1 2019+0.4%
Q4 2018+7.6%
Q3 2018+1.9%
Q2 2018+3.4%
Q1 2018-2.9%
Q4 2017+1.8%
Q3 2017+1.6%
Q2 2017-2.7%
Q1 2017+1.6%
Q4 2016-4.1%
Q3 2016+7.7%
Q2 2016+3.4%
Q1 2016+6.0%
Q4 2015-5.7%
Q3 2015-1.8%
Q2 2015-4.7%
Q1 2015-1.0%
Q4 2014-1.3%
Q3 2014-1.4%
Q2 2014+0.7%
Q1 2014-0.0%
Q4 2013+4.4%
Q3 2013+3.0%
Q2 2013-1.2%
Q1 2013+0.8%
Q4 2012+5.1%
Q4 2011+2.0%
Q3 2012-4.5%
Q2 2012+2.6%
Q1 2012+1.4%
Q3 2011-0.1%
Q2 2011-2.4%
Q1 2010+0.2%
Q1 2011+0.5%
Q1 2009-1.9%
Q4 2010-1.9%
Q4 2009-1.9%
Q4 2008-1.9%
Q3 2010+0.5%
Q3 2009+0.5%
Q2 2010+1.6%
Q2 2009+1.6%

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