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Sep 30, 2024

Comerica Q3 2024 Earnings Report

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.

Key Takeaways

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.

Total Revenue
$811M
Previous year: $896M
-9.5%
EPS
$1.37
Previous year: $1.84
-25.5%
Efficiency Ratio
68.8%
Previous year: 61.86%
+11.2%
CET1 Capital Ratio
11.97%
Previous year: 10.79%
+10.9%
Gross Profit
$534M
Previous year: $896M
-40.4%
Cash and Equivalents
$6.39B
Previous year: $1.23B
+420.6%
Free Cash Flow
$1.02B
Total Assets
$79.7B
Previous year: $85.7B
-7.1%

Comerica

Comerica

Comerica Revenue by Segment

Forward Guidance

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

Revenue & Expenses

Visualization of income flow from segment revenue to net income