NYSE$CMA

Comerica Inc · Q2 2022 earnings

Q2 2022 earnings · · Investor relations

Briefing

Earnings per share increased 40% over first quarter 2022 due to strong revenue growth, solid expense control, and excellent credit quality, benefiting from higher interest rates, strong loan growth, and liquidity deployment.

Comerica Incorporated reported a strong second quarter in 2022, with earnings per share increasing by 40% compared to the first quarter. Revenue grew by 18%, driven by a rising rate environment and prudent actions to lock in higher rates. Loan growth was one of the highest in the company's history, with increases in nearly every business line. Credit quality was excellent, and fee income increased by 10%. The efficiency ratio improved significantly to 58%, and the return on equity was 17%.

  • Earnings per share increased 40% over the first quarter and revenue grew 18%.
  • Loan growth in the second quarter was one of the highest in the company's history, with increases in nearly every business line.
  • Credit quality was excellent and fee income increased 10%.
  • Efficiency ratio improved significantly to 58% and return on equity of 17%.

Headline financials

Total Revenue

$829M

Previous: $749M+10.7%
EPS (adj)

$1.92

Previous: $2.32-17.2%
Efficiency Ratio

58.0%

Previous: 61.7%-5.9%
Net Interest Margin

2.7%

Previous: 2.3%+19.7%
CET1 Capital Ratio

9.7%

Previous: 10.4%-6.4%
Net Income

$261M

Previous: $328M-20.4%
Operating Income

$712M

Previous: $523M+36.1%
Gross Profit

$819M

Previous: $614M+33.4%
Cash & Equivalents

$7.53B

Previous: $16.5B-54.3%
Total Assets

$86.9B

Previous: $88.4B-1.7%
Stock-Based Comp

$11M

Previous: $7M+57.1%

Revenue & EPS history

Comerica · Revenue · Quarterly

$829M

Q2 2022+10.7%vs Q2 2021
Beat estimate in 9 of 16 quarters(56%)
ActualEstimate

Forward guidance

While there is a great deal of economic uncertainty, Comerica feels positive about the path they are on.

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 Q2 2022

Historical avgQ2 2022

-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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