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Dec 31, 2024

Comerica Q4 2024 Earnings Report

Reported a net income of $170 million and EPS of $1.22, driven by favorable deposit trends and strategic expense management.

Key Takeaways

Comerica Incorporated reported a Q4 2024 net income of $170 million, or $1.22 per share. The results reflect improved capital and liquidity positions, driven by customer deposit trends and expense discipline, despite muted loan demand.

Net income for Q4 2024 was $170 million, or $1.22 per share.

Customer deposits improved, enabling a reduction in wholesale funding and benefiting net interest income.

Expense calibration efforts drove efficiency and created capacity for strategic investments.

Credit quality remained strong with low net charge-offs.

Total Revenue
$825M
Previous year: $782M
+5.5%
EPS
$1.2
Previous year: $1.46
-17.8%
Return on Avg. Assets
0.85%
Previous year: 0.15%
+466.7%
Efficiency Ratio
69.51%
Previous year: 91.86%
-24.3%
Net Interest Margin
3.06%
Previous year: 2.91%
+5.2%
Cash and Equivalents
$6.8B
Previous year: $9.5B
-28.4%
Total Assets
$79.3B
Previous year: $85.8B
-7.6%

Comerica

Comerica

Forward Guidance

Comerica plans to target share repurchases of approximately $50 million in the first quarter of 2025.