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Comerica Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary20 Jan, 2026
Executive summary
Net income for Q4 2025 was $176 million, flat sequentially and up from $170 million in Q4 2024.
Diluted EPS for Q4 2025 was $1.27, down from $1.35 in Q3 2025 but up from $1.22 in Q4 2024.
Excluding merger-related expenses, Q4 2025 net income was $201 million and EPS was $1.46.
Full-year 2025 net income was $723 million, up from $698 million in 2024.
Financial highlights
Net interest income for Q4 2025 was $577 million, stable compared to Q3 2025 and Q4 2024.
Net interest margin for Q4 2025 was 3.07%, slightly down from 3.09% in Q3 2025 but up from 2.88% in Q4 2024.
Return on average common equity for Q4 2025 was 9.15%, down from 10.20% in Q3 2025 and 10.27% in Q4 2024.
Efficiency ratio for Q4 2025 was 72.30%, up from 70.23% in Q3 2025.
Cash dividends declared per share remained $0.71 for the quarter.
Outlook and guidance
The pending merger with Fifth Third Bancorp is expected to close in Q1 2026, following shareholder approval in January 2026.
Quantify the 2025 merger expense impact on EPS
Analyze the change in tangible common equity ratio
Assess the allowance for credit losses coverage
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Next Comerica earnings date
Q1 202621 Apr, 2026
Comerica
Next Comerica earnings date
Q1 202621 Apr, 2026
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Frequently asked questions
Holding Company for Regional Banks
Comerica Inc. is an American financial services company and is the parent company of Comerica Bank, which in turn operates over 400 regional branches across the US and select international locations. Comerica offers personal banking, business financing, wealth management, and online services, with an emphasis on providing personal service and expertise for its customers. The company is headquartered in Dallas, Texas, and its shares are listed on the NYSE.
Born in Detroit, Based in Dallas
Comerica Incorporated traces its roots back to 1849 when it was founded in Detroit as the Detroit Savings Fund Institute. Throughout the years it has seen it change names and expand its service services. The company adopted the name Comerica in 1982 to better reflect its expansion outside of Michigan. Throughout the 20th century, Comerica grew organically as well as by merging with other banks, steadily expanding its footprint. The bank strategically relocated its headquarters to Dallas, Texas, in 2007, to position itself at the heart of a robust financial market and closer to its growing customer base across the Sun Belt. Despite the move, the company has maintained a significant presence in Detroit and has the naming rights to the Tigers’ home field, which is called Comerica Park.
The Services
Its offerings include personal banking services with a variety of checking and savings account options, as well as personal loans and mortgages. For business clients, Comerica provides commercial loans, lines of credit, and cash management services, catering to small businesses and large corporations alike. The company also specializes in wealth management, offering investment advice, asset management, and estate planning to help clients grow and protect their wealth. In addition to these services, Comerica offers digital banking platforms for its customers.
A Regional Bank
Comerica Incorporated positions itself as a regional bank, with a strategic concentration in states like Texas, California, and Michigan, as well as in Arizona and Florida. Comerica Incorporated maintains a regional banking model, with a strategic emphasis on specific high-growth markets, including Texas, California, Michigan, Arizona, and Florida. This targeted approach allows the bank to concentrate its resources and expertise in areas where it can deeply understand and efficiently serve the unique needs of local businesses and consumers. By doing so, Comerica can provide a level of service and attention that might be more challenging for larger, nationwide banks, and allows them to compete with giants such as Wells Fargo, Citigroup, Bank of America, and other similar companies.
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