NYSE$CMA

Comerica Inc · Q3 2022 earnings

Q3 2022 earnings · · Investor relations

Briefing

Reported record net income and earnings per share, driven by higher interest rates and strong loan growth.

Comerica reported a record net income of $351 million, or $2.60 per share, for the third quarter of 2022. This represents a 35% increase in earnings per share compared to the second quarter of 2022. The results were driven by record revenue, higher interest rates, and strong loan growth.

  • Earnings per share grew to an all-time high of $2.60, increasing 35% relative to the second quarter, driven by record revenue.
  • Loan growth was broad-based with balances increasing $1.1 billion, or over 2%.
  • Deposit levels have trended downward as customers use funds in their businesses and we strategically manage our deposit costs.
  • Overall results reflect not only the benefit of rising interest rates, but also strategic investments to drive organic growth.

Headline financials

Total Revenue

$985M

Previous: $755M+30.5%
EPS (adj)

$2.60

Previous: $1.90+36.8%
Net Income

$351M

Previous: $262M+34.0%
Operating Income

$801M

Previous: $597M+34.2%
Gross Profit

$957M

Previous: $713M+34.2%
Cash & Equivalents

$5.97B

Previous: $23.6B-74.7%
Total Assets

$84.1B

Previous: $94.5B-11.0%
Stock-Based Comp

$9M

Previous: $7M+28.6%

Revenue & EPS history

Comerica · Revenue · Quarterly

$985M

Q3 2022+30.5%vs Q3 2021
Beat estimate in 9 of 16 quarters(56%)
ActualEstimate

Forward guidance

The press release contains forward-looking statements subject to risks and uncertainties, including credit risks, market risks, liquidity risks, technology risks, operational risks, compliance risks, strategic risks, and other general risks such as the COVID-19 pandemic and changes in economic conditions.

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 Q3 2022

Historical avgQ3 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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