Citi raises Comerica stock price target to $69 on modest loan growth

Published 21/07/2025, 10:50
Citi raises Comerica stock price target to $69 on modest loan growth

Investing.com - Citi has raised its price target on Comerica (NYSE:CMA) to $69.00 from $61.00 while maintaining a Neutral rating on the stock. Currently trading at $65.32, the bank stock has demonstrated strong momentum with a 36% return over the past year. According to InvestingPro data, Comerica maintains an impressive 55-year streak of consecutive dividend payments, currently yielding 4.35%.

The adjustment follows what Citi described as "modest momentum" in loan growth activity observed in late second quarter, despite limited overall loan growth in the first half of 2025.

Citi noted that net interest margin expansion for Comerica depends on hedge roll off, growth in lower cost funding sources, and balance sheet mix improvement—factors that will require time to create material impact.

The firm also pointed to continued increases in Comerica’s core expense base, suggesting that pre-provision net revenue trends are likely to remain muted.

Citi expressed concern about the uncertain timeline for Direct Express deposit outflows, describing it as a "Schrodinger (NASDAQ:SDGR)’s Box type timeline" with guaranteed exit but unclear schedule, creating what the firm called "a modest overhang on the valuation multiple."

In other recent news, Comerica Inc reported its second-quarter earnings for 2025, surpassing analyst expectations. The company achieved an earnings per share (EPS) of $1.42, exceeding the forecasted $1.25, marking a 13.6% surprise. Revenue also outperformed projections, coming in at $849 million against the anticipated $843.63 million. Comerica maintained a strong capital position with a Common Equity Tier 1 (CET1) ratio of 11.94%, well above its strategic target of 10%. Additionally, the company returned $193 million to shareholders through buybacks and dividends. Despite economic uncertainties, Comerica’s management expressed confidence in continued growth, with CEO Curt Farmer noting improvements in customer confidence. The company also announced enhancements in payment solutions and wealth management, indicating strategic investments in these areas. These developments reflect Comerica’s adaptability in navigating competitive pressures and economic challenges.

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