Need an investment idea? Check out Popular Stocks and S2O Stock Screener.

Market Price

68.10 

-1.42 -2.0%

as of Dec 18 '18

52 Week Range:

67.55 102.66


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. The company operates through three segments: Business Bank, the Retail Bank, and Wealth Management. The Business Bank segment offers various products and services, such as commercial loans and lines of credit, deposits, cash management, capital market products, international trade finance, letters of credit, foreign exchange management, and loan syndication services to middle market businesses, multinational corporations, and governmental entities. The Retail Bank segment provides small business banking and personal financial services, including consumer lending, consumer deposit gathering, and mortgage loan origination. This segment also offers a range of consumer products comprising 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 consisting of fiduciary, private banking, retirement, investment management and advisory, and investment banking and brokerage services. This segment also sells annuity products, as well as life, disability, and long-term care insurance products. The company operates in Texas, California, and Michigan, as well as in Arizona and Florida, Canada, and Mexico. 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 '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 34.00
33.38
32.27
32.81
35.22
36.87
38.23
41.52
43.38
44.08
46.48
growth rate -1.8% -3.3% 1.7% 7.4% 4.7% 3.7% 8.6% 4.5% 1.6% 5.4%
Earnings BIT 992.00
271.00
-115.00
315.00
530.00
710.00
730.00
920.00
802.00
742.00
1,313.00
growth rate -72.7% -100.0% 100.0% 68.3% 34.0% 2.8% 26.0% -12.8% -7.5% 77.0%
Avg.PE 9.89
15.38
-29.00
53.76
12.35
11.36
16.67
14.50
13.46
27.00
22.54
growth rate 55.5% -100.0% 100.0% -77.0% -8.0% 46.7% -13.0% -7.2% 100.6% -16.5%
ROA 1.14
0.30
-0.19
0.27
0.68
0.82
0.82
0.87
0.73
0.65
1.02
growth rate -73.7% -100.0% 100.0% 151.9% 20.6% 0.0% 6.1% -16.1% -11.0% 56.9%
ROE 13.36
3.87
-2.38
2.87
6.14
7.46
7.56
8.05
6.88
6.16
9.37
growth rate -71.0% -100.0% 100.0% 113.9% 21.5% 1.3% 6.5% -14.5% -10.5% 52.1%
ROIC 13.20
6.03
1.21
2.28
4.22
5.19
5.42
6.15
growth rate -54.3% -79.9% 88.4% 85.1% 23.0% 4.4% 13.5%
Leverage 12.18
13.45
12.15
9.26
8.88
9.41
9.12
9.35
9.51
9.36
8.99
growth rate 10.4% -9.7% -23.8% -4.1% 6.0% -3.1% 2.5% 1.7% -1.6% -4.0%
Balance Sheet Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Payable 1,371.00
1,106.00
986.00
57,486.00
59,853.00
58,985.00
57,903.00
growth rate -19.3% -10.9% 5,730.2% 4.1% -1.5% -1.8%
Cur.Assets 9,846.00
9,605.00
10,883.00
9,576.00
growth rate -2.5% 13.3% -12.0%
Total Assets 67,548.00
59,249.00
53,667.00
61,008.00
65,069.00
65,224.00
69,186.00
71,877.00
72,978.00
71,567.00
growth rate -12.3% -9.4% 13.7% 6.7% 0.2% 6.1% 3.9% 1.5% -1.9%
Cash 3,221.00
5,617.00
2,083.00
13,660.00
14,831.00
15,758.00
5,641.00
5,674.00
6,700.00
5,273.00
growth rate 74.4% -62.9% 555.8% 8.6% 6.3% -64.2% 0.6% 18.1% -21.3%
Inventory 10.00
12.00
17.00
5.00
growth rate 20.0% 41.7% -70.6%
Cur.Liabilities 59,429.00
61,648.00
60,284.00
58,553.00
growth rate 3.7% -2.2% -2.9%
Liabilities 60,396.00
52,220.00
47,874.00
54,140.00
58,127.00
58,074.00
61,784.00
64,317.00
65,182.00
63,604.00
growth rate -13.5% -8.3% 13.1% 7.4% -0.1% 6.4% 4.1% 1.3% -2.4%
LT Debt 8,820.00
2,008.00
2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
2,071.00
2,399.00
4,649.00
4,622.00
growth rate -77.2% 0.1% 0.1% 0.1% 0.1% 0.1% 2.9% 15.8% 93.8% -0.6%
Equity 5,117.00
7,152.00
7,029.00
5,793.00
6,868.00
6,942.00
7,150.00
7,402.00
7,560.00
7,796.00
7,963.00
growth rate 39.8% -1.7% -17.6% 18.6% 1.1% 3.0% 3.5% 2.1% 3.1% 2.1%
Common Shares 155.00
149.00
149.00
173.00
186.00
192.00
187.00
185.00
181.00
177.00
178.00
growth rate -3.9% 0.0% 16.1% 7.5% 3.2% -2.6% -1.1% -2.2% -2.2% 0.6%
Cash Flow Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 189.00
166.00
74.00
92.00
121.00
75.00
102.00
70.00
119.00
95.00
69.00
growth rate -12.2% -55.4% 24.3% 31.5% -38.0% 36.0% -31.4% 70.0% -20.2% -27.4%
Cash Dividends 390.00
395.00
185.00
72.00
73.00
97.00
123.00
137.00
147.00
152.00
180.00
growth rate 1.3% -53.2% -61.1% 1.4% 32.9% 26.8% 11.4% 7.3% 3.4% 18.4%
Cash From OA 1,014.00
862.00
91.00
1,286.00
796.00
692.00
836.00
639.00
865.00
502.00
1,103.00
growth rate -15.0% -89.4% 1,313.2% -38.1% -13.1% 20.8% -23.6% 35.4% -42.0% 119.7%
FCF per Share 5.33
4.61
0.11
6.90
5.10
3.93
2.46
4.95
3.45
2.74
4.92
growth rate -13.5% -97.6% 6,172.7% -26.1% -22.9% -37.4% 101.2% -30.3% -20.6% 79.6%
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 825.00
696.00
17.00
1,194.00
781.00
754.00
734.00
569.00
743.00
398.00
1,034.00
growth rate -15.6% -97.6% 6,923.5% -34.6% -3.5% -2.7% -22.5% 30.6% -46.4% 159.8%
Income Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 2,890.00
2,708.00
2,617.00
2,435.00
2,601.00
2,733.00
2,666.00
2,485.00
2,577.00
2,600.00
3,094.00
growth rate -6.3% -3.4% -7.0% 6.8% 5.1% -2.5% -6.8% 3.7% 0.9% 19.0%
Op.Income 271.00
-115.00
315.00
393.00
521.00
541.00
909.00
776.00
837.00
1,343.00
growth rate -100.0% 100.0% 24.8% 32.6% 3.8% 68.0% -14.6% 7.9% 60.5%
IBT 271.00
-115.00
315.00
530.00
762.00
786.00
870.00
750.00
670.00
1,234.00
growth rate -100.0% 100.0% 68.3% 43.8% 3.2% 10.7% -13.8% -10.7% 84.2%
Net Income 213.00
17.00
277.00
393.00
521.00
541.00
593.00
521.00
477.00
743.00
growth rate -92.0% 1,529.4% 41.9% 32.6% 3.8% 9.6% -12.1% -8.5% 55.8%
EPS 4.43
1.28
-0.79
0.88
2.09
2.67
2.85
3.16
2.84
2.68
4.14
growth rate -71.1% -100.0% 100.0% 137.5% 27.8% 6.7% 10.9% -10.1% -5.6% 54.5%
Gross Profit 2,485.00
2,577.00
2,600.00
3,094.00
growth rate 3.7% 0.9% 19.0%

Quarterly Statements

Item Name Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Earnings BIT 356.00
350.00
360.00
growth rate -1.7% 2.9%
Balance Sheet Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Acct.Payable 57,819.00
57,903.00
57,635.00
57,210.00
56,006.00
growth rate 0.2% -0.5% -0.7% -2.1%
Cur.Assets 10,065.00
9,576.00
10,672.00
9,805.00
9,991.00
growth rate -4.9% 11.5% -8.1% 1.9%
Total Assets 72,017.00
71,567.00
72,335.00
71,987.00
71,448.00
growth rate -0.6% 1.1% -0.5% -0.8%
Cash 6,204.00
5,273.00
6,836.00
5,660.00
945.00
growth rate -15.0% 29.6% -17.2% -83.3%
Inventory 6.00
5.00
5.00
2.00
1.00
growth rate -16.7% 0.0% -60.0% -50.0%
Cur.Liabilities 59,126.00
58,553.00
58,526.00
58,131.00
57,211.00
growth rate -1.0% -0.1% -0.7% -1.6%
Liabilities 63,983.00
63,604.00
64,335.00
63,908.00
63,662.00
growth rate -0.6% 1.2% -0.7% -0.4%
LT Debt 4,637.00
4,622.00
5,594.00
5,583.00
6,418.00
growth rate -0.3% 21.0% -0.2% 15.0%
Equity 8,034.00
7,963.00
8,000.00
8,079.00
7,786.00
growth rate -0.9% 0.5% 1.0% -3.6%
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 Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Capital Expenditures 16.00
26.00
20.00
21.00
growth rate 62.5% -23.1% 5.0%
Cash Dividends 47.00
52.00
53.00
51.00
growth rate 10.6% 1.9% -3.8%
Cash From OA 202.00
245.00
358.00
256.00
growth rate 21.3% 46.1% -28.5%
Sale Purchase of Stock 16.00
12.00
40.00
6.00
growth rate -25.0% 233.3% -85.0%
FCF 186.00
219.00
338.00
235.00
growth rate 17.7% 54.3% -30.5%
Income Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Sales 797.00
813.00
781.00
867.00
833.00
growth rate 2.0% -3.9% 11.0% -3.9%
Op.Income 358.00
357.00
367.00
446.00
404.00
growth rate -0.3% 2.8% 21.5% -9.4%
IBT 334.00
330.00
335.00
419.00
381.00
growth rate -1.2% 1.5% 25.1% -9.1%
Net Income 226.00
112.00
281.00
326.00
318.00
growth rate -50.4% 150.9% 16.0% -2.5%
EPS
growth rate
Gross Profit 797.00
813.00
781.00
867.00
833.00
growth rate 2.0% -3.9% 11.0% -3.9%
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:

C (54.29)

YOY Growth Grade:

F (15.16)

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 12.21 11.46 9.03
EPS / Growth 8.2% 5.94 25.1%

Value Price & Investment Recovery Time

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

Equity Growth Rate: 2.7%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 2.7% 5.4% 5.4%
Future PE 5.44 10.71 10.71
Future EPS 7.77 10.09 10.09
Value Price
MOS %
10.45
-84.7%
26.71
-60.8%
26.71
-60.8%
MOS Price 5.22 13.35 13.35
IRT 9.88 8.77 8.77

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

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.

Risk / Reward Ratios

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.