Revenue: As of FY2025 Q3, the actual value is USD 838 M.EPS: As of FY2025 Q3, the actual value is USD 1.35, beating the estimate of USD 1.3058.EBIT: As of FY2025 Q3, the actual value is USD -347 M.<h3>Financial Metrics by Segment</h3><h4>Net Income</h4><ul><li>Third quarter 2025 net income: $176 million, or $1.35 per share.</li></ul><h4>Segment Revenue</h4><ul><li>Commercial Bank: Net interest income of $453 million, noninterest income of $143 million, noninterest expenses of $275 million, and net income of $235 million.</li><li>Retail Bank: Net interest income of $240 million, noninterest income of $28 million, noninterest expenses of $172 million, and net income of $71 million.</li><li>Wealth Management: Net interest income of $50 million, noninterest income of $69 million, noninterest expenses of $98 million, and net income of $11 million.</li><li>Finance: Net interest expense of -$209 million, noninterest income of $20 million, noninterest expenses of $0 million, and net loss of -$142 million.</li><li>Other: Net interest income of $40 million, noninterest income of $4 million, noninterest expenses of $44 million, and net income of $1 million.</li></ul><h4>Operational Metrics</h4><ul><li>Net interest income: $574 million, relatively stable compared to $575 million in the second quarter of 2025 and $534 million in the third quarter of 2024.</li><li>Provision for credit losses: $22 million, down from $44 million in the second quarter of 2025 and up from $14 million in the third quarter of 2024.</li><li>Noninterest income: $264 million, down from $274 million in the second quarter of 2025 and $277 million in the third quarter of 2024.</li><li>Noninterest expenses: $589 million, up from $561 million in the second quarter of 2025 and $562 million in the third quarter of 2024.</li><li>Pre-tax income: $227 million, down from $244 million in the second quarter of 2025 and $235 million in the third quarter of 2024.</li><li>Provision for income taxes: $51 million, up from $45 million in the second quarter of 2025 and equal to the third quarter of 2024.</li><li>Average loans: $50.8 billion, relatively stable compared to $50.7 billion in the second quarter of 2025 and $50.9 billion in the third quarter of 2024.</li><li>Average deposits: $62.7 billion, up from $61.2 billion in the second quarter of 2025 and down from $63.9 billion in the third quarter of 2024.</li><li>Return on average assets (ROA): 0.89%, down from 1.03% in the second quarter of 2025 and 0.92% in the third quarter of 2024.</li><li>Return on average common shareholders’ equity (ROE): 10.20%, down from 11.35% in the second quarter of 2025 and 10.88% in the third quarter of 2024.</li><li>Net interest margin: 3.09%, down from 3.16% in the second quarter of 2025 and up from 2.80% in the third quarter of 2024.</li><li>Efficiency ratio: 70.23%, up from 65.78% in the second quarter of 2025 and 68.80% in the third quarter of 2024.</li><li>Common equity Tier 1 capital ratio: 11.90%, down from 11.99% in the second quarter of 2025 and 11.96% in the third quarter of 2024.</li><li>Tier 1 capital ratio: 12.44%, up from 11.99% in the second quarter of 2025 and down from 12.51% in the third quarter of 2024.</li></ul><h4>Cash Flow</h4><ul><li>Operating cash flow and free cash flow data not provided in the reference.</li></ul><h4>Unique Metrics</h4><ul><li>Allowance for credit losses: $725 million, or 1.43% of total loans, reflecting a slightly improved economic forecast, stable credit performance, and continued uncertainty.</li><li>Criticized loans: Decreased by $88 million to $2.7 billion, or 5.2% of total loans.</li><li>Nonperforming assets: Increased by $11 million to $260 million, or 0.51% of total loans and foreclosed property.</li><li>Net charge-offs: $32 million, up from $28 million in the second quarter of 2025.</li></ul><h4>Outlook / Guidance</h4><ul><li>Comerica anticipates the first dividend of $11 million payable on January 1, 2026, to be declared and recognized during the fourth quarter.</li><li>The merger with Fifth Third Bancorp is expected to close at the end of the first quarter of 2026, subject to shareholder and regulatory approvals.</li><li>The company remains focused on leveraging the strengths of both organizations to expand reach, support customers, and deliver stronger returns for shareholders.</li></ul>

Comerica | 8-K: FY2025 Q3 Revenue: USD 838 M