NYSE$CMA

Comerica Inc · Q3 2024 earnings

Q3 2024 earnings · · Investor relations

Briefing

Reported net income of $184 million, or $1.33 per share, driven by favorable deposit and net interest income trends, and strong capitalization with ongoing credit and expense discipline.

Comerica reported a net income of $184 million, or $1.33 per share, for Q3 2024. The results were driven by growth in customer deposits, which offset muted loan demand and contributed to net interest income exceeding expectations. The company maintained expense discipline and strong credit quality, with net charge-offs of 8 basis points. The estimated CET1 capital ratio rose to 11.97%, exceeding the 10% target.

  • Earnings per share were reported at $1.33.
  • Customer deposits growth offset muted loan demand, contributing to net interest income exceeding expectations.
  • Expense discipline remained a priority, with continued execution on action plans.
  • Credit quality was strong, with net charge-offs of 8 basis points, well below historical averages.

Headline financials

Total Revenue

$811M

Previous: $896M-9.5%
EPS

$1.33

Previous: $1.84-27.7%
Efficiency Ratio

68.8%

Previous: 61.9%+11.2%
Net Interest Margin

2.8%

No prior period
CET1 Capital Ratio

12.0%

Previous: 10.8%+10.8%
Common Equity Ratio

8.8%

No prior period
Capital Expenditures

-$34M

No prior period
Net Income

$184M

Previous: $251M-26.7%
Operating Income

$235M

Previous: $296M-20.6%
Gross Profit

$797M

Previous: $882M-9.6%
Cash & Equivalents

$6.39B

Previous: $8.11B-21.2%
Total Assets

$79.7B

Previous: $85.7B-7.1%
Stock-Based Comp

$9M

Previous: $9M+0.0%

Revenue & EPS history

Comerica · Revenue · Quarterly

$811M

Q3 2024-9.5%vs Q3 2023
Beat estimate in 9 of 16 quarters(56%)
ActualEstimate

Forward guidance

Comerica expects to resume share repurchases targeting $100 million in the fourth quarter of 2024.

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 2024

Historical avgQ3 2024

-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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