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Mar 31, 2025
Comerica Q1 2025 Earnings Report
Comerica posted stable earnings and modest growth in profitability for Q1 2025.
Key Takeaways
Comerica delivered solid financial results for Q1 2025, maintaining profitability despite lower average loans and deposits. Net interest income was flat quarter-over-quarter, but noninterest income grew slightly, and expenses were well controlled. The company showed strength in credit quality and capital ratios.
Revenue by Segment
Forward Guidance
Comerica expects full-year 2025 to show slight growth in net interest income and noninterest income, with credit remaining stable but loan demand potentially constrained by economic uncertainty.
Positive Outlook
- Net interest income projected to grow 5–7% for FY25
- Customer-related deposits expected to increase
- Improved funding mix from swap and securities maturities
- Higher fee-based income from core customer activities
- Capital levels expected to remain well above CET1 targets
Challenges Ahead
- Average loans forecast to decline 1–2% for full year
- Loan demand may be pressured by economic conditions
- Noninterest expenses expected to rise 2–3%
- Net charge-offs to remain within normal 20–40 bps range
Historical Earnings Impact
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Avg. Return Before/After Earnings
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