Market Price

60.66 

-0.70 -1.1%

as of Jan 26 '21

52 Week Range:

24.28 66.08


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Comerica Incorporated, through its subsidiaries, provides various financial products and services. It operates through three segments: Business Bank, Retail Bank, and Wealth Management. The Business Bank segment offers various products and services, including commercial loans and lines of credit, deposits, cash management, capital market products, international trade finance, letters of credit, foreign exchange management services, and loan syndication services for small and middle market businesses, multinational corporations, and governmental entities. The Retail Bank segment provides personal financial services, such as consumer lending, consumer deposit gathering, and mortgage loan origination. It also offers various consumer products that include deposit accounts, installment loans, credit cards, student loans, home equity lines of credit, and residential mortgage loans. The Wealth Management segment provides products and services comprising fiduciary, private banking, retirement, investment management and advisory, and investment banking and brokerage services. It also sells annuity products; and life, disability, and long-term care insurance products. The Finance segment engages in the securities portfolio, and asset and liability management activities. It operates in Texas, California, Michigan, Arizona and Florida, as well as in Canada and Mexico. The company was formerly known as DETROITBANK Corporation and changed its name to Comerica Incorporated in July 1982. Comerica Incorporated was founded in 1849 and is headquartered in Dallas, Texas.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Equity (BVPS) 32.81
35.22
36.87
38.23
41.52
43.38
44.08
46.48
48.64
50.67
growth rate 7.4% 4.7% 3.7% 8.6% 4.5% 1.6% 5.4% 4.7% 4.2%
Earnings BIT 315.00
530.00
710.00
730.00
920.00
802.00
742.00
1,313.00
growth rate 68.3% 34.0% 2.8% 26.0% -12.8% -7.5% 77.0%
Avg.PE 53.76
12.35
11.36
16.67
14.50
13.46
27.00
22.54
10.97
8.81
19.01
growth rate -77.0% -8.0% 46.7% -13.0% -7.2% 100.6% -16.5% -51.3% -19.7% 115.8%
ROA 0.27
0.68
0.82
0.82
0.87
0.73
0.65
1.02
1.72
1.65
growth rate 151.9% 20.6% 0.0% 6.1% -16.1% -11.0% 56.9% 68.6% -4.1%
ROE 2.87
6.14
7.46
7.56
8.05
6.88
6.16
9.37
15.86
16.06
growth rate 113.9% 21.5% 1.3% 6.5% -14.5% -10.5% 52.1% 69.3% 1.3%
ROIC 2.28
4.22
5.19
5.42
6.15
growth rate 85.1% 23.0% 4.4% 13.5%
Leverage 9.26
8.88
9.41
9.12
9.35
9.51
9.36
8.99
9.43
10.02
growth rate -4.1% 6.0% -3.1% 2.5% 1.7% -1.6% -4.0% 4.9% 6.3%
Balance Sheet Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Acct.Payable 1,371.00
1,106.00
986.00
57,486.00
59,853.00
58,985.00
57,903.00
55,561.00
57,295.00
72,869.00
growth rate -19.3% -10.9% 5,730.2% 4.1% -1.5% -1.8% -4.0% 3.1% 27.2%
Cur.Assets 9,846.00
9,605.00
10,883.00
9,576.00
7,865.00
9,863.00
20,491.00
growth rate -2.5% 13.3% -12.0% -17.9% 25.4% 107.8%
Total Assets 53,667.00
61,008.00
65,069.00
65,224.00
69,186.00
71,877.00
72,978.00
71,567.00
70,818.00
73,402.00
88,129.00
growth rate 13.7% 6.7% 0.2% 6.1% 3.9% 1.5% -1.9% -1.1% 3.7% 20.1%
Cash 2,083.00
13,660.00
14,831.00
15,758.00
5,641.00
5,674.00
6,700.00
5,273.00
3,962.00
5,232.00
1,031.00
growth rate 555.8% 8.6% 6.3% -64.2% 0.6% 18.1% -21.3% -24.9% 32.1% -80.3%
Inventory 10.00
12.00
17.00
5.00
1.00
11.00
9.00
growth rate 20.0% 41.7% -70.6% -80.0% 1,000.0% -18.2%
Cur.Liabilities 59,429.00
61,648.00
60,284.00
58,718.00
56,955.00
58,747.00
74,307.00
growth rate 3.7% -2.2% -2.6% -3.0% 3.2% 26.5%
Liabilities 47,874.00
54,140.00
58,127.00
58,074.00
61,784.00
64,317.00
65,182.00
63,604.00
63,311.00
66,075.00
80,079.00
growth rate 13.1% 7.4% -0.1% 6.4% 4.1% 1.3% -2.4% -0.5% 4.4% 21.2%
LT Debt 2,010.00
2,011.00
2,012.00
2,013.00
2,071.00
2,399.00
4,649.00
4,622.00
6,115.00
6,595.00
5,728.00
growth rate 0.1% 0.1% 0.1% 2.9% 15.8% 93.8% -0.6% 32.3% 7.9% -13.2%
Equity 5,793.00
6,868.00
6,942.00
7,150.00
7,402.00
7,560.00
7,796.00
7,963.00
7,507.00
7,327.00
7,656.00
growth rate 18.6% 1.1% 3.0% 3.5% 2.1% 3.1% 2.1% -5.7% -2.4% 4.5%
Common Shares 173.00
186.00
192.00
187.00
185.00
181.00
177.00
178.00
171.00
151.00
1,141.00
growth rate 7.5% 3.2% -2.6% -1.1% -2.2% -2.2% 0.6% -3.9% -11.7% 655.6%
Cash Flow Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Capital Expenditures 92.00
121.00
75.00
102.00
70.00
119.00
95.00
69.00
90.00
86.00
growth rate 31.5% -38.0% 36.0% -31.4% 70.0% -20.2% -27.4% 30.4% -4.4%
Cash Dividends 72.00
73.00
97.00
123.00
137.00
147.00
152.00
180.00
263.00
402.00
growth rate 1.4% 32.9% 26.8% 11.4% 7.3% 3.4% 18.4% 46.1% 52.9%
Cash From OA 1,286.00
796.00
692.00
836.00
639.00
865.00
486.00
1,085.00
1,616.00
1,090.00
growth rate -38.1% -13.1% 20.8% -23.6% 35.4% -43.8% 123.3% 48.9% -32.6%
FCF per Share 6.90
5.10
3.93
2.46
4.95
3.45
2.74
4.92
6.51
9.13
growth rate -26.1% -22.9% -37.4% 101.2% -30.3% -20.6% 79.6% 32.3% 40.3%
Sale Purchase of Stock -112.00
-305.00
-258.00
49.00
22.00
152.00
110.00
growth rate 0.0% 0.0% 100.0% -55.1% 590.9% -27.6%
FCF 1,194.00
781.00
754.00
734.00
569.00
743.00
398.00
1,034.00
1,526.00
1,004.00
growth rate -34.6% -3.5% -2.7% -22.5% 30.6% -46.4% 159.8% 47.6% -34.2%
Income Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Sales 2,435.00
2,601.00
2,733.00
2,666.00
2,485.00
2,577.00
2,600.00
3,094.00
3,329.00
3,275.00
2,375.00
growth rate 6.8% 5.1% -2.5% -6.8% 3.7% 0.9% 19.0% 7.6% -1.6% -27.5%
Op.Income 315.00
393.00
521.00
541.00
909.00
776.00
836.00
1,345.00
1,647.00
1,570.00
624.00
growth rate 24.8% 32.6% 3.8% 68.0% -14.6% 7.7% 60.9% 22.5% -4.7% -60.3%
IBT 315.00
530.00
762.00
786.00
870.00
750.00
670.00
1,234.00
1,535.00
1,532.00
591.00
growth rate 68.3% 43.8% 3.2% 10.7% -13.8% -10.7% 84.2% 24.4% -0.2% -61.4%
Net Income 277.00
393.00
521.00
541.00
593.00
521.00
477.00
743.00
1,235.00
1,198.00
474.00
growth rate 41.9% 32.6% 3.8% 9.6% -12.1% -8.5% 55.8% 66.2% -3.0% -60.4%
EPS 0.88
2.09
2.67
2.85
3.16
2.84
2.68
4.14
7.20
7.87
growth rate 137.5% 27.8% 6.7% 10.9% -10.1% -5.6% 54.5% 73.9% 9.3%
Gross Profit 2,485.00
2,577.00
2,600.00
3,094.00
3,329.00
3,275.00
2,375.00
growth rate 3.7% 0.9% 19.0% 7.6% -1.6% -27.5%

Quarterly Statements

Item Name Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Earnings BIT
growth rate
Balance Sheet Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Acct.Payable 57,295.00
57,366.00
67,720.00
68,459.00
72,869.00
growth rate 0.1% 18.1% 1.1% 6.4%
Cur.Assets 9,863.00
9,617.00
18,050.00
15,997.00
20,491.00
growth rate -2.5% 87.7% -11.4% 28.1%
Total Assets 73,402.00
76,337.00
84,397.00
83,631.00
88,129.00
growth rate 4.0% 10.6% -0.9% 5.4%
Cash 5,232.00
4,855.00
13,311.00
11,141.00
1,031.00
growth rate -7.2% 174.2% -16.3% -90.8%
Inventory 11.00
11.00
11.00
10.00
9.00
growth rate 0.0% 0.0% -9.1% -10.0%
Cur.Liabilities 58,747.00
61,947.00
69,842.00
69,772.00
74,307.00
growth rate 5.5% 12.7% -0.1% 6.5%
Liabilities 66,075.00
68,935.00
76,595.00
75,757.00
80,079.00
growth rate 4.3% 11.1% -1.1% 5.7%
LT Debt 6,595.00
6,759.00
6,521.00
5,754.00
5,728.00
growth rate 2.5% -3.5% -11.8% -0.5%
Equity 7,327.00
7,402.00
7,407.00
7,480.00
7,656.00
growth rate 1.0% 0.1% 1.0% 2.4%
Common Shares 1,141.00
1,141.00
1,141.00
1,141.00
1,141.00
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Capital Expenditures 24.00
15.00
14.00
22.00
growth rate -37.5% -6.7% 57.1%
Cash Dividends 99.00
95.00
96.00
91.00
growth rate -4.0% 1.1% -5.2%
Cash From OA 221.00
699.00
45.00
-24.00
growth rate 216.3% -93.6% -100.0%
Sale Purchase of Stock
growth rate
FCF 197.00
684.00
31.00
-46.00
growth rate 247.2% -95.5% -100.0%
Income Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Sales 802.00
339.00
580.00
705.00
751.00
growth rate -57.7% 71.1% 21.6% 6.5%
Op.Income 362.00
-76.00
153.00
272.00
287.00
growth rate -100.0% 100.0% 77.8% 5.5%
IBT 351.00
-86.00
140.00
259.00
278.00
growth rate -100.0% 100.0% 85.0% 7.3%
Net Income 269.00
-65.00
113.00
211.00
215.00
growth rate -100.0% 100.0% 86.7% 1.9%
EPS
growth rate
Gross Profit 802.00
339.00
580.00
705.00
751.00
growth rate -57.7% 71.1% 21.6% 6.5%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

E (27.53)

YOY Growth Grade:

E (20.37)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 19.01 18.55 12.63
EPS / Growth 30.7% 3.27 -10.7%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 1.1%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 1.0% 1.0%
Future PE 2.00 11.24 11.24
Future EPS 3.61 3.63 3.63
Value Price
MOS %
1.79
-97.1%
10.08
-83.4%
10.08
-83.4%
MOS Price 0.89 5.04 5.04
IRT 16.95 16.89 16.89

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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