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Comerica (CMA) investor relations material
Comerica Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary17 Oct, 2025
Executive summary
Reported Q3 2025 net income of $176 million, or $1.35 per share, with robust average deposit growth and stable net interest income despite a decline in noninterest income and higher noninterest expenses.
Announced a definitive merger agreement with Fifth Third Bancorp, expected to close by end of Q1 2026, with Comerica shareholders to receive 1.8663 Fifth Third shares per Comerica share.
Financial highlights
Net interest income was $574 million, nearly unchanged from Q2 2025, while net interest margin decreased 7 basis points to 3.09%.
Noninterest income fell by $10 million to $264 million, mainly due to lower fiduciary and capital markets income.
Noninterest expenses rose by $28 million to $589 million, driven by litigation, operational losses, and consulting costs.
Return on average assets was 0.89%, and return on average common equity was 10.20%.
Efficiency ratio increased to 70.23% from 65.78% in Q2 2025.
Outlook and guidance
Management anticipates the first dividend on newly issued Series B Preferred Stock to be declared and recognized in Q4 2025.
The merger with Fifth Third is expected to enhance reach, customer support, and shareholder returns, pending regulatory and shareholder approvals.
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Frequently asked questions
Holding Company for Regional Banks
Comerica Inc. is an American financial services company and is the parent company of Comerica Bank, which in turn operates over 400 regional branches across the US and select international locations. Comerica offers personal banking, business financing, wealth management, and online services, with an emphasis on providing personal service and expertise for its customers. The company is headquartered in Dallas, Texas, and its shares are listed on the NYSE.
Born in Detroit, Based in Dallas
Comerica Incorporated traces its roots back to 1849 when it was founded in Detroit as the Detroit Savings Fund Institute. Throughout the years it has seen it change names and expand its service services. The company adopted the name Comerica in 1982 to better reflect its expansion outside of Michigan. Throughout the 20th century, Comerica grew organically as well as by merging with other banks, steadily expanding its footprint. The bank strategically relocated its headquarters to Dallas, Texas, in 2007, to position itself at the heart of a robust financial market and closer to its growing customer base across the Sun Belt. Despite the move, the company has maintained a significant presence in Detroit and has the naming rights to the Tigers’ home field, which is called Comerica Park.
The Services
Its offerings include personal banking services with a variety of checking and savings account options, as well as personal loans and mortgages. For business clients, Comerica provides commercial loans, lines of credit, and cash management services, catering to small businesses and large corporations alike. The company also specializes in wealth management, offering investment advice, asset management, and estate planning to help clients grow and protect their wealth. In addition to these services, Comerica offers digital banking platforms for its customers.
A Regional Bank
Comerica Incorporated positions itself as a regional bank, with a strategic concentration in states like Texas, California, and Michigan, as well as in Arizona and Florida. Comerica Incorporated maintains a regional banking model, with a strategic emphasis on specific high-growth markets, including Texas, California, Michigan, Arizona, and Florida. This targeted approach allows the bank to concentrate its resources and expertise in areas where it can deeply understand and efficiently serve the unique needs of local businesses and consumers. By doing so, Comerica can provide a level of service and attention that might be more challenging for larger, nationwide banks, and allows them to compete with giants such as Wells Fargo, Citigroup, Bank of America, and other similar companies.
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