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CMA
Comerica Incorporated · Financials - Regional Banking
$88.67
+2.00% this month
VERSUS
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PNC
PNC Financial Services Group, Inc. · Financials - Regional Banking
$232.04
+8.80% this month
Scoreboard verdict
Across AI score, momentum, valuation, upside, operating margin
CMA
0
PNC
5
Comparison scoreboard
PNC LEADS 5/5AI Score
CMA 37.3
PNC ✓52.2
1Y Return
CMA +31.64%
PNC ✓+33.97%
Fwd P/E
CMA 16.23
PNC ✓11.31
Target Up.
CMA -2.02%
PNC ✓+7.43%
Op. Margin
CMA 30.14%
PNC ✓36.73%
Metrics last refreshed: 6/20/2026
Quick take
CMA vs PNC Stock Comparison: AI Score, Valuation, Performance and Upside
PNC is a much larger, more diversified U.S. regional bank with a broader geographic footprint and complementary fee revenue streams, while Comerica is a smaller, more concentrated commercial bank with very high sensitivity to interest rate movements. Both are quality regional bank franchises but with significantly different risk profiles.
CMA vs PNC compares a highly interest-rate-sensitive commercial banking focused midsize bank against a much larger, well-diversified U.S. regional banking platform.
Live analysis · updated 6/20/2026
PNC holds the edge across 5 of 5 key metrics in this comparison. PNC leads on both 1-year return (+33.97%) and forward P/E (11.31x vs 16.23x for CMA), a relatively favorable combination of momentum and valuation. PNC leads on both revenue growth (13.80%) and operating margin (36.73%), suggesting a stronger fundamental setup on both dimensions. Analyst consensus implies meaningfully more upside for PNC (+7.43%) than for CMA (-2.02%).
Normalized 1Y performance
CMA
PNC
Recent returns
CMA
PNC
Analyst price targets & sentiment
CMA
Price target range
analyst mean$86.88
current price$88.67
-2.0% upside to analyst mean
PNC · 20 analysts
Price target range
analyst low$162.00
analyst mean$255.32
current price$232.04
+7.4% upside to analyst mean
Who should consider this stock?
CMA may suit investors who:
- →Want a highly asset-sensitive bank that benefits most from a higher-for-longer interest rate environment
- →See value in Comerica's conservative credit culture and commercial banking focus
- →Are comfortable with significant net interest income variability tied to rate movements
PNC may suit investors who:
- →Want a large-scale, diversified regional bank with broad geography and complementary fee revenues
- →Value PNC's consistent dividend growth record and disciplined capital management
- →Prefer lower earnings variability from interest rate cycles than highly asset-sensitive peers like Comerica
Performance & AI score
| Metric | CMA | PNC |
|---|---|---|
| AI score | 37.3 | 52.2 |
| AI rank | #1406 | #339 |
| Latest close | $88.67 | $232.04 |
| 1M return | +2.00% | +8.80% |
| 6M return | +31.23% | +10.34% |
| 1Y return | +31.64% | +33.97% |
$10,000 invested — hypothetical growth (dividends reinvested)
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | CMA | PNC |
|---|---|---|
| 1Y ago | $13.16K (+31.6%) started 2025-01-30 | $13.24K (+32.4%) started 2025-06-18 |
| 5Y ago | $15.24K (+52.4%) started 2021-02-01 | $17.17K (+71.7%) started 2021-06-21 |
| 10Y ago | $26.38K (+163.8%) started 2016-02-01 | $51.99K (+419.9%) started 2016-06-20 |
Hypothetical — past performance does not guarantee future results.
Valuation & upside potential
| Metric | CMA | PNC |
|---|---|---|
| Market cap | $11.35B | $95.44B |
| Trailing P/E | 16.79 | 13.81 |
| Forward P/E | 16.23 | 11.31 |
| Price/Sales | N/A | 3.36 |
| EV/Revenue | 2.96 | 6.77 |
| Analyst target | $86.88 | $255.32 |
| Target upside | -2.02% | +7.43% |
Growth, profitability & risk
| Metric | CMA | PNC |
|---|---|---|
| Revenue growth | 4.00% | 13.80% |
| Earnings growth | 3.60% | 17.70% |
| EPS growth | +3.60% | +17.70% |
| FCF margin | N/A | N/A |
| Operating margin | 30.14% | 36.73% |
| Profit margin | 22.14% | 31.31% |
| ROIC proxy | 10.15% | 12.10% |
| Return on equity | 10.15% | 12.10% |
| Dividend yield | 3.20% | 2.86% |
| Beta | 1.03 | 0.92 |
| Debt/equity | N/A | N/A |
| Current ratio | N/A | N/A |
| Quick ratio | N/A | N/A |
Drawdown & downside risk
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
1Y risk snapshot
CMA max drawdown26.26%
PNC max drawdown17.21%
CMA max wkly drop13.37%
PNC max wkly drop8.85%
5Y risk snapshot
CMA max drawdown69.17%
PNC max drawdown47.98%
CMA max wkly drop38.48%
PNC max wkly drop14.82%
10Y risk snapshot
CMA max drawdown74.51%
PNC max drawdown49.58%
CMA max wkly drop38.48%
PNC max wkly drop25.55%
Performance metrics by period
| Period | Metric | CMA | PNC |
|---|---|---|---|
| 1Y | Growth | +31.64% | +32.39% |
| CAGR | +31.66% | +32.44% | |
| Sharpe ratio | 0.85 | 1.20 | |
| Max drawdown | 26.26% | 17.21% | |
| Max daily drop | 10.08% | 5.24% | |
| Max wkly drop | 13.37% | 8.85% | |
| 5Y | Growth | +52.43% | +46.28% |
| CAGR | +8.81% | +7.92% | |
| Sharpe ratio | 0.31 | 0.25 | |
| Max drawdown | 69.17% | 47.98% | |
| Max daily drop | 27.67% | 8.88% | |
| Max wkly drop | 38.48% | 14.82% | |
| 10Y | Growth | +163.82% | +270.16% |
| CAGR | +10.19% | +13.99% | |
| Sharpe ratio | 0.34 | 0.44 | |
| Max drawdown | 74.51% | 49.58% | |
| Max daily drop | 27.67% | 15.90% | |
| Max wkly drop | 38.48% | 25.55% |
Business comparison
| Category | CMA | PNC |
|---|---|---|
| Company | Comerica Incorporated | PNC Financial Services Group, Inc. |
| Sector | Financial Services | Financial Services |
| Industry | N/A | Banks - Regional |
| Core business | Comerica is a midsize U.S. regional bank with significant commercial banking concentration in Texas, California, Michigan, and Florida, focused primarily on business and commercial lending with a relatively limited consumer banking footprint. | PNC Financial Services is one of the largest U.S. regional banks, providing retail banking, corporate and institutional banking, asset management, and residential mortgage through a broad network across the mid-Atlantic, Midwest, and Southeast. |
| Investor focus | Investors track Comerica's net interest margin sensitivity to interest rates (highly asset-sensitive), commercial loan growth, deposit pricing trends, and credit quality in its commercial loan portfolio. | Investors track PNC's net interest income and margin trends, fee revenue from capital markets and asset management, credit quality across its diverse loan portfolio, and capital return through dividends and buybacks. |
CMA strengths
- →Highly asset-sensitive balance sheet benefits significantly from higher interest rates through improved net interest margins
- →Strong relationships in commercial banking and specialty lending niches
- →Conservative credit culture with historically sound commercial loan quality
PNC strengths
- →Large-scale regional bank with diversified loan book, fee revenue, and geography
- →Strong corporate and institutional banking platform providing fee revenue less interest-rate-dependent than NII
- →Disciplined capital management with consistent dividend growth
Risks to watch — CMA
- →Very high sensitivity to falling interest rates — net interest income declines significantly when rates drop
- →Heavy commercial banking focus with limited consumer banking diversification makes revenue more concentrated
- →Smaller scale than PNC limits competitive resources and geographic diversification
Risks to watch — PNC
- →Large balance sheet creates sensitivity to credit cycles in a broad loan portfolio
- →Mortgage origination and servicing revenue is interest rate sensitive
- →Competes with the largest U.S. banks for corporate and institutional business
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