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Commerce Bancshares, Inc. CBSH R3KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.commercebank.com
Company Profile ↓
$58.27
+0.63% 1Y
Mkt Cap$8.36B
P/E14.28
P/B1.92
Div. Yield1.89%
52W High$60.05
52W Low$47.02
Book Value$30.23
EPS (TTM)$4.08

Company Overview

Commerce Bancshares, Inc. operates as the bank holding company for Commerce Bank that provides retail, mortgage banking, corporate, investment, trust, and asset management products and services to individuals and businesses in the United States. It operates through three segments: Retail Banking, Commercial, and Wealth. The Retail Banking segment offers various banking products and services, including consumer deposits; consumer loans, such as automobile, motorcycle, marine, tractor/trailer, recreational vehicle, fixed rate and revolving home equity, and other consumer loans; patient health care financing; real estate loans; indirect and other consumer financing; retail branch network; personal mortgage banking; consumer installment lending; and consumer debit and credit bank cards. The Commercial segment provides corporate lending, leasing, international, merchant and commercial bank card, and securities safekeeping and bond accounting services; and business products, government deposits, and related commercial cash management services, as well as sells fixed income securities to correspondent banks, corporations, public institutions, municipalities, and individuals. The Wealth segment provides traditional trust and estate planning, advisory and discretionary investment portfolio management, and brokerage services, as well as private banking accounts. The company offers private equity investment, securities brokerage, insurance agency, specialty lending, and leasing services, as well as online and mobile banking services. Commerce Bancshares, Inc. was founded in 1865 and is headquartered in Kansas City, Missouri.

Why Investors Should Care

Reasonable Valuation

Trades at an undemanding P/E of 14.3.

Healthy Margins

Maintains a net profit margin of 31.6%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Trailing 12 Months Year-on-year growth — revenue +14.2%, earnings +1.2%.
  • 5-Year Trend Long-term compounding — profit CAGR 6.7%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-
1 Year:14.20%

Compounded Profit Growth

5 Years:6.68%
1 Year:1.20%

Stock Price Performance

1 Year:+0.63%
6 Months:+18.66%
3 Months:+9.62%
1 Month:-0.90%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Mixed
52-Week Range 86% of range
$47.02 $60.05
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMAAbove
  • RSI (14)50.43 · Neutral
Price Performance
1M-0.90%
3M+9.62%
6M+18.66%
1Y+0.63%
Valuation vs Sector

P/E of 14.28 is above the sector median of 12.89 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 31.6%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
14.28
Industry PE
12.89
Forward P/E
12.75
PEG Ratio
2.06
Book Value
$30.23
Price to Book
1.92
P/S
4.52
EV/EBITDA
-
Dividend Yield
1.89%

Growth (CAGR)

Revenue 5Y
-
Profit 5Y
6.68%
Revenue (YoY)
14.20%
Earnings (YoY)
1.20%

Profitability & Returns

ROCE
-
ROE
14.69%
ROA
1.75%
Profit Margin
31.64%
Op Margin
45.12%
Gross Margin
0.00%
EPS (Latest Qtr)
$1.10
EPS (TTM)
$4.08

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$2.47B
Total Assets
$35.27B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
2.50%
Chg in Prom Hold
0.00%
FII / Inst Holding
78.05%
Chg in FII Hold
-0.10%

Financial Snapshot

Enterprise Value
$8.36B
Total Revenue (TTM)
$1.84B
EBITDA
-
Free Cash Flow
$592.39M
Operating Cash Flow
$1.26B
Shares Outstanding
143.43M
Gross Margin
0.00%
Payout Ratio
26.64%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 CBSH Commerce Bancshares, Inc. R3KFINANCIAL 58.27 14.28 $8.36B 1.89% - 14.69% - 6.68%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 353.51 15.15 $939.70B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 505.83 12.72 $712.23B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 368.64 31.35 $628.20B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 570.89 31.44 $496.37B 0.62% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.39 14.41 $436.28B 2.04% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 757,791.00 12.71 $370.14B 0.00% - 12.12% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 106.26 15.18 $363.70B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 216.24 17.48 $339.62B 2.26% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Jun 2013Sep 2013Mar 2014Jun 2014Sep 2014Mar 2015Jun 2015Sep 2015Mar 2016Jun 2016Sep 2016Mar 2017Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026Jun 2026
Revenue --00000000000000000000000000000000000000
Net Income 65.81M68.22M64.31M66.53M68.19M61.05M74.35M64.61M65.37M69.89M68.55M71.50M78.96M74.56M100.98M110.33M112.58M97.14M107.97M109.24M51.86M39.86M132.45M130.97M162.33M122.56M118.15M115.79M122.82M119.45M127.79M120.60M112.66M139.55M138.01M131.59M152.48M141.52M141.62M159.79M
Diluted EPS 0.690.710.640.660.690.580.720.630.620.660.650.650.710.670.880.960.980.810.910.930.420.321.061.061.320.990.920.920.970.910.970.920.821.031.010.931.141.060.961.10

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Net Income 188.66M169.07M221.71M256.34M269.33M260.96M261.75M263.73M275.39M319.38M433.54M421.23M354.06M530.76M488.40M477.06M526.33M566.25M
Diluted EPS 2.241.872.292.562.632.462.372.322.372.623.433.252.643.913.503.303.694.04

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --18.12B18.50B20.65B22.16B23.07B23.99B24.60B25.64B24.83B25.46B26.07B32.92B36.69B31.88B31.70B32.00B32.92B
Total Equity 1.53B1.58B1.88B2.02B2.17B2.17B2.21B2.33B2.36B2.50B2.72B2.93B3.13B3.40B3.44B2.47B2.94B3.31B3.79B
Cash & Equivalents 1.33B1.30B463.83M460.68M517.55M779.83M1.27B1.10B502.72M782.43M511.85M--------
Long Term Debt ----511.82M503.71M455.31M------------
Total Liabilities --16.23B16.48B18.48B19.99B20.86B21.66B22.24B23.14B22.12B22.53B22.93B29.52B33.24B29.39B28.74B28.66B29.10B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 217.29M295.29M671.18M407.36M383.88M361.75M360.84M291.19M454.96M426.53M552.66M512.79M623.99M597.72M559.38M488.77M577.86M645.14M
Investing Cash Flow -1.48B-1.57B-654.45M-2.18B-1.16B-713.66M-1.06B-1.20B-805.21M220.72M-91.02M-730.16M-5.39B-2.08B242.27M2.18B483.79M-462.37M
Financing Cash Flow 1.23B441.46M-19.88M1.83B1.04B841.60M533.05M306.21M649.17M-924.54M223.25M-84.06M6.07B3.57B-4.20B-883.12M-372.94M-11.04M
Capital Expenditure -42.56M-29.25M-18.53M-21.33M-34.97M-23.84M-43.66M-31.90M-24.48M-30.82M-33.29M-42.58M-33.13M-56.72M-65.19M-88.07M-46.13M-52.75M
Free Cash Flow 174.73M266.04M652.65M386.03M348.91M337.91M317.18M259.30M430.49M395.70M519.37M470.22M590.86M541.01M494.19M400.69M531.73M592.39M
Share Buybacks 9.49M528.00K40.98M101.15M104.91M69.35M70.97M23.18M39.38M17.77M75.23M134.90M54.16M129.36M186.62M76.37M170.47M207.57M
Dividends Paid --------------127.47M134.73M145.09M150.24M

Ratios (Annual)

Figures in %.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ------------------
Operating Margin % ------------------
Net Margin % ------------------
ROE % 11.9%9.0%11.0%11.8%12.4%11.8%11.2%11.2%11.0%11.8%14.8%13.4%10.4%15.4%19.8%16.2%15.9%14.9%
ROCE % ------------------

Shareholding Pattern

Insiders
2.50%
Institutions
78.05%
Public Float
80.05%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 9.12% 13.09M $747.03M
2 Vanguard Portfolio Management LLC 6.29% 9.02M $515.21M
3 State Street Corporation 5.13% 7.35M $419.84M
4 AQR Capital Management, LLC 4.56% 6.54M $373.64M
5 Vanguard Capital Management LLC 4.33% 6.21M $354.79M
6 American Century Companies Inc 4.14% 5.94M $338.96M
7 Commerce Bank 3.82% 5.47M $312.40M
8 Dimensional Fund Advisors LP 2.90% 4.16M $237.77M
9 Geode Capital Management, LLC 2.10% 3.01M $171.73M
10 First Trust Advisors LP 1.57% 2.25M $128.62M

Analyst View

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Latest News

Recent headlines for CBSH

Google News ue, 08 Sep 2026

Will CBSH's Expansion Initiatives Accelerate Top-Line Growth? - finance.yahoo.com

<a href="https://news.google.com/rss/articles/CBMiqwFBVV95cUxPMVd2MGhNdFBBTFd5RHgxUTBjdW1Cc2I0NGdlZExHT1pTQmtiYWJPRGVCWlV0U3Z4RklFVmQzcU5MbTJzZmZxZFI5OGtsd2lYQnpRd3FaOW43cVJRSWRuRndHSldobFZxNEdESnpPZ2lXNEk3ZWw1c1JiRGI3NlZETWItengtekZWNEFzbk…

Google News Sat, 05 Sep 2026

Commerce Bancshares, Inc. $CBSH Shares Sold by UBS AM a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC - marketbeat.com

<a href="https://news.google.com/rss/articles/CBMigwJBVV95cUxOSW1GTEJ6SERuUVVhU1ZONVM0QVgyNF80ZE5BRHJycGNrSGdKalMtUHZBczg4V1NGbEZVWjRZd0UwMUxQRHkydld3V1A5SzRvekR2Rkd3VDRJYzRPQWFMbW0yVnBsdVZXdGFBQi1abXVOeGVmT3lpT0oxbTBybHYwSl9qNnNrNlRLeGtNMD…

Google News hu, 03 Sep 2026

HTH Gains 13.5% So Far This Year: Should You Buy the Stock Now? - tradingview.com

<a href="https://news.google.com/rss/articles/CBMitwFBVV95cUxNRlExNzhJenhrd1ExODZGOHllZ19HODRoUG12aGMtYUJrR2QwWHJ2MXNjLW5kNkh6bjlpdTdZMHhDNi1vRXVEMFZxWm9tQTRVQmQzSGI4Tk1MRl9GdURqUjRBUW1BRlhEdndjYU5FejhxS1AzNGpBSzk5YU1uLXJYb3BYRkthckRPczlEQX…

Google News Wed, 19 Aug 2026

Commerce Bancshares (CBSH) Stock Looks Like A Bargain On Cash Flow But Full On Earnings - finance.yahoo.com

<a href="https://news.google.com/rss/articles/CBMiowFBVV95cUxPbGNEbDJSRkNJRkU2aWk3MGN4TVh5bFNNdmwydmRaVXI1WFo4dHBTV2RHT1J5YkNJSWRNUEZPNEdhNkVDTmlYX1h6TlpnajZCMDNsZlcyNUp6SzdFWkRWZVFERGRyS1F1QlliRTRlQlJXemdFY2ROd1JCOVpsTE1vX2NSbEszV2lNNmVqS2…

Google News Wed, 02 Sep 2026

Commerce Bancshares SVP Jakovich sells $48,826 in CBSH stock - Investing.com

<a href="https://news.google.com/rss/articles/CBMiwAFBVV95cUxONVQ1VjQ2NVQ0X1pyeFRyU2N0ZTBzWDBaWXR1Sk9raXp5UGMwTnhpaWxwdzhrekQwMGlPUWhXR25VVmF1czBmcldiUUFhLV9NaFoxUEhxZTlMck9EZTduaU1MN2xoMklrNzZuOHBlQkxzU1M5TDJmYVhSVldRV25DOFNFQU0xVGV2eWNmZl…

Google News ue, 25 Aug 2026

Commerce Bancshares (CBSH) Stock Looks Below Fair Value While Earnings Sit Above Fair Value - simplywall.st

<a href="https://news.google.com/rss/articles/CBMizwFBVV95cUxQdDJqRHotdUM5bWF5ZWQ4V25ONzhrSDkwQWswbjlMT3o3X1cxR2N1WEJvSW1kOXRuZGVFZl9Wd21ZcHdSVXBtUEhCWFRYelhnWG50bmEteUFYZzZQMnNTT210bWd0dk5GRjd5R1VGQWluX1lVaGxCTHBkUTU5bkRpdjEtRWk0YXlEZFc1ck…

CBSH — Frequently Asked Questions

What is the current share price of Commerce Bancshares, Inc. (CBSH)?

As of 2026-09-19 21:16 PDT, Commerce Bancshares, Inc. (CBSH) trades at $58.27 on NasdaqGS. Its 52-week range is $47.02 to $60.05.

What is the market capitalisation of CBSH?

Commerce Bancshares, Inc. (CBSH) has a market capitalisation of $8.36B on NasdaqGS.

What is the P/E ratio of CBSH?

CBSH trades at a trailing price-to-earnings (P/E) ratio of 14.28. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 1.92.

Does CBSH pay a dividend?

Commerce Bancshares, Inc. (CBSH) currently offers a dividend yield of 1.89%.

What is the return on equity (ROE) of CBSH?

CBSH has a return on equity (ROE) of 14.69%.

Is CBSH a good stock to buy?

This page provides a data-driven analysis of Commerce Bancshares, Inc. (CBSH), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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