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Data-driven stock valuation

Commerce Bancshares Inc (CBSH) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Commerce Bancshares Inc stock $33.25, price $55.04, that is 39.6% below the price, quality 54 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

CB Commerce Bancshares Inc logo Broad data Nov 7, 2026

Commerce Bancshares Inc

CBSH · US
Solid, but very expensive

Our calculation puts a fair price 40% below what the stock costs today.

Healthy Growth (revenue 5y +9.0 %/yr in USD)
Highly profitable · 31.6% net margin (TTM)
2.0% dividend yield · Low payout
Positive coverage
Broad data
Quality 54/100
Mixed vs. peers (7/15)
Wide moat 70/100 · thin data
Insiders sold $2.0M (6M)
Fair value $33.25 · Strongly overvalued

Risks from the AI analysis

🚩Fintechs and neobanks could erode payments and deposits🚩Regulatory changes could raise compliance costs
Watch Commerce Bancshares Inc for free: we tell you when fair value or trend changes. Watch for free

What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$65.21 $35.52 Fair Value $33.25 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.

How to read this chart

60‑month range $35.52 – $65.21 · fair‑value band $26.77 – $46.53 · the $55.04 price screens above the $33.25 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.

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Company profile

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.

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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.

Stock analysis

Commerce Bancshares Inc (CBSH) currently trades at $55.04, while our model-based Fair Value estimate is $33.25, 40% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $43.39 per share, and 0 of the 6 models we run sit above the $55.04 price.

Bear case: the Dividend Discount group reads lowest at $16.06, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $26.77 (bear) to $46.53 (bull), the price of $55.04 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 54/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Commerce Bancshares Inc reported revenue of $2.1B in FY2025 versus $1.4B in FY2021, a compound +10.4%/yr. Reported net income was $566M in FY2025, compounding +1.6%/yr from FY2021.

Key figures

Market cap $7.9B Mid · P/E ratio 13.4 · P/S ratio 4.31 · EPS (TTM) $4.12 · Dividend yield 2.0% · Net margin 31.6% · Return on equity 14.7% · Return on assets (EBIT) 2.0% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 70 out of 100 (low confidence).

What moves the price

The share trades about 9% below its 52-week high and 17% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −40%, CBSH screens richer than that median.

Fair Value models

Bear $26.77 Fair Value $33.25 Bull $46.53
Price $55.04 · Downside -39.6%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($2.61 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $26.77 $33.25 $46.53 75
Gordon GGM $9.85 $17.35 $26.95 67
DDM Multi-Stage $9.85 $14.76 $20.30 66
All 6 models by family
Dividend Discount
Gordon GGM $9.85 $17.35 $26.95 67
DDM Multi-Stage $9.85 $14.76 $20.30 66
Multiples
P/E Multiple $38.49 $51.32 $64.15 63
P/B Multiple $26.58 $35.45 $44.31 55
Asset-Based
NCAV (Graham) $12.66 $16.96 $25.32 54
Economic Profit
Residual Income $26.77 $33.25 $46.53 75

Open the full fair value analysis →

Quality Score breakdown

Overall quality 54/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 39
How much profit the company makes from its sales and capital
Quality Growth 51
Are margins and returns getting better?
Cashflow 84
Do the profits arrive as real cash?
Financial strength 8
Debt, balance sheet and risk of trouble
Investment 72
Does it invest with discipline instead of growing at any price?
Low Volatility 93
How calm the share price moves, does not count
Price momentum 44
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 52
Distance to the 52-week high, does not count
New shares 53
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 8 officers or directors sold shares worth $2.0M and none bought.

  • SaleDouglas D NeffSenior Vice President666 shares at $58.15$38,728Aug 27, 2026
  • SaleDavid L OrfExec. Vice President & CCO642 shares at $60.35$38,745Aug 14, 2026
  • SaleDavid L. RollerSenior Vice President3× since Feb 3, 2026: 4,056 shares, avg. $55.07$223,358Aug 4, 2026
  • SaleRobert S HolmesExecutive Vice President5,000 shares at $60.20$301,000Jul 30, 2026
  • SaleJohn W KemperPresident and CEO, Director2× since Feb 5, 2026: 29,227 shares, avg. $55.30$1.6MJul 29, 2026
  • SaleDerrick BrooksSenior Vice President2× since Feb 4, 2026: 2,085 shares, avg. $57.02$118,879Jul 28, 2026
  • SaleCharles G KimExec. Vice President and CFO19,771 shares at $59.18$1.2MJul 27, 2026
  • SaleJune McAllister FowlerDirector200 shares at $55.04$11,008Jun 16, 2026
  • BuyTimothy S DunnDirector2,500 shares at $47.71$119,275Mar 13, 2026
  • SaleMargaret M RoweSenior Vice President861 shares at $51.69$44,505Mar 5, 2026

Plus 3 more entries from the last 12 months.

Plus 22 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 88/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+2.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.0%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.0%
Start year 2020 (pandemic). Over 10 years: +6.7% a year
Revenue growth 36 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.8%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.
+8.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+6.6%
Dividend (yield on the price)2.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.6.1% vs 8.0%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.32% → 34%
Pace: the 5-year rate starts in 2020 (pandemic)

CBSH screens overvalued: fair value 40% below the price. Compare with China Merchants Bank Co →

Recent news

News mood ⓘNews mood, the average tone of recent news (97 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Positive
Recent news coverage is more positive than average.
Note from the team Oct 11, 2026
AI conclusion: The regional bank's acquisition adds in-house advisory services targeting higher fee income with little capital, yet thin evidence and revenues closely tied to deal volumes remain the main weakness.
Main risk: Fintech companies, neobanks and banks with digital platforms might offer cheaper or more convenient payments, commercial cards and deposit products, drawing corporate and middle-market customers away from the bank's core fee and deposit franchises.
Bull case: By integrating AI tools into its advisory and payments platforms while leveraging its strong capital base and client relationships, Commerce Bancshares could enhance efficiency, expand fee income and defend market share against digital rivals.
Bear case: If AI automates key advisory work and fintechs capture payments and deposits, the bank's fee income growth from the Nolan acquisition could stall while margins compress and customer acquisition costs rise sharply.
Commerce Bancshares just closed its acquisition of Nolan & Associates, bringing in-house advisory services for middle-market M&A, capital raises and ownership transitions. The step targets higher fee income that requires little capital on the balance sheet. Yet those revenues track deal volumes and market swings closely. Will the addition lift recurring non-interest income enough to offset the cyclical exposure, or mainly widen earnings variability?
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 7/15 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 54 · Below median
Fair Value upside −39.6% · Bottom 25%
Profitability
Return on equity (12 months) 14.7% · Top 25%
Return on assets 1.7% · Top 25%
Net margin (12 months) 31.6% · Above median
Operating margin (12 months) 45.1% · Above median
Growth and dividend
Revenue growth (quarter YoY) 14.2% · Above median
Dividend yield (12 months) 2.0% · Below median
Balance sheet
Debt / equity 0.00× · Lowest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 13.4× · Pricier than median
P/B 2.09× · Priciest 25%
P/S (12 months) 4.31× · Pricier than median
Price / free cash flow (fiscal year) 13.4× · Pricier than median
EV/EBITDA 9.3× · Cheaper than median
PEG 2.06× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)71 · sector 47
PAST (return on equity)59 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)39 · sector 53

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs CBSH
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs CBSH
BNP Paribas SA BNP €91.93 €106.01 +15% vs CBSH
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs CBSH
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs CBSH
UniCredit S.p.A UCG €76.80 €50.44 −34% vs CBSH
Mizuho Financial Group MFG $9.40 $5.89 −37% vs CBSH
DBS Group D05 69.72 SGD 40.39 SGD −42% vs CBSH
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs CBSH
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs CBSH

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Commerce Bancshares Inc: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Commerce Bancshares Inc Fair Value". https://www.fairvalue-calculator.com/stock/CBSH

Frequently asked questions

Is Commerce Bancshares Inc (CBSH) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of $33.25 versus a price of $55.04, about 40% lower (overvalued).
What is the fair value of CBSH?
Our model-based fair value for Commerce Bancshares Inc is $33.25 (as of Nov 7, 2026), built from audited fundamentals. The current price: $55.04.
What is the quality score of CBSH?
Commerce Bancshares Inc has a Quality Score of 54/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Commerce Bancshares Inc (CBSH)?
Our model-based price target is the fair value of $33.25 (as of Nov 7, 2026) from 6 valuation models. Cautious scenario $26.77, optimistic scenario $46.53. It is a calculation from audited fundamentals, not an analyst target.
What is the Commerce Bancshares Inc stock forecast for 2026?
Our models put fair value at $33.25, about 40% lower versus a price of $55.04 (overvalued). Cautious scenario $26.77, optimistic scenario $46.53. The calculation is refreshed regularly with new filings.
What is the revenue of Commerce Bancshares Inc (CBSH)?
Commerce Bancshares Inc reported trailing-twelve-month revenue of about $1.8B (latest available figure, as of Nov 7, 2026).
Does Commerce Bancshares Inc pay a dividend?
Commerce Bancshares Inc currently shows a dividend yield of 1.95% relative to its recent price (as of Nov 7, 2026).
How much is the dividend of Commerce Bancshares Inc (CBSH) and when is the ex-dividend date?
Commerce Bancshares Inc pays a dividend of $1.07 per share a year, a dividend yield of 2.0%. The last ex-dividend date was Sep 4, 2026. A dividend has been paid every year since at least 1985. The payout ratio is 26.1% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Commerce Bancshares Inc (CBSH)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Commerce Bancshares Inc it is $33.25 per share (as of Nov 7, 2026), against a price of $55.04. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Commerce Bancshares Inc stock overvalued or undervalued in 2026?
As of Nov 7, 2026, CBSH trades above its calculated fair value: price $55.04, fair value $33.25, a gap of about −40% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CBSH?
No. The price is what the market pays today ($55.04); the fair value is what the company's own numbers justify ($33.25). For Commerce Bancshares Inc the two are $21.79 per share apart. That gap is exactly why we show both numbers side by side.
How much is Commerce Bancshares Inc worth?
The market values Commerce Bancshares Inc at about $7.9B (market capitalisation, as of Nov 7, 2026). Per share that is $55.04; our models calculate a fair value of $33.25 per share.
What do the bullish and bearish scenarios say about CBSH?
Our models span a range for Commerce Bancshares Inc: cautious scenario $26.77, base $33.25, optimistic $46.53 per share (as of Nov 7, 2026, price $55.04). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CBSH?
Commerce Bancshares Inc trades at a price-to-earnings ratio of 13.4 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $33.25 is built from several models across several years. Other multiples: PEG 2.1, P/B 2.1, P/S 4.3, EV/EBITDA 9.3.
What is the PEG ratio of CBSH?
The PEG ratio of Commerce Bancshares Inc is 2.06 (P/E divided by earnings growth, as of Nov 7, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Commerce Bancshares Inc (CBSH)?
Balance-sheet figures for Commerce Bancshares Inc (as of Nov 7, 2026): return on equity 14.7%, debt of 0.00 per unit of equity. They feed the Quality Score of 54/100, which measures business quality independently of the share price.
How far is CBSH from its 52-week high?
Commerce Bancshares Inc trades at $55.04, about 9% below its 52-week high of $60.33 and 17% above the low of $47.24 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $33.25 is for.
Which stocks are comparable to Commerce Bancshares Inc?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Commerce Bancshares Inc stock attractive at the current price?
The data as of Nov 7, 2026: price $55.04, calculated fair value $33.25 (−40%), Quality Score 54/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CBSH calculated?
We run Commerce Bancshares Inc through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $33.25 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Commerce Bancshares Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Commerce Bancshares Inc (CBSH)?
The closing price on Nov 6, 2026 was $55.04. Our model-based fair value is $33.25, about 40% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Commerce Bancshares Inc right now?
The price sits above even our optimistic bull case ($46.53). The favourable scenario is already priced in. Solid but not exceptional quality (54/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Commerce Bancshares Inc (CBSH) come from?
Earnings per share at Commerce Bancshares Inc grew +8.1 % a year from 2014 to 2025. Broken into its drivers: revenue per share +7.3 %, EBIT margin −0.6 %, tax rate +1.4 %, residual (interest, one-offs) −0.1 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Commerce Bancshares Inc

How large is the market capitalisation of Commerce Bancshares Inc (CBSH)?
The market capitalisation of Commerce Bancshares Inc is $7.9B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Commerce Bancshares Inc (CBSH)?
The price-to-sales ratio of Commerce Bancshares Inc is 4.31 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Commerce Bancshares Inc (CBSH)?
Earnings per share at Commerce Bancshares Inc are $4.12 (price ÷ EPS = P/E 13.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Commerce Bancshares Inc (CBSH)?
The dividend yield of Commerce Bancshares Inc is 2.0% (payout 26.1%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Commerce Bancshares Inc (CBSH)?
The net margin of Commerce Bancshares Inc is 31.6% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Commerce Bancshares Inc (CBSH)?
The return on equity (ROE) of Commerce Bancshares Inc is 14.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Commerce Bancshares Inc (CBSH)?
On an EBIT basis the return on assets of Commerce Bancshares Inc is 2.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Commerce Bancshares Inc (CBSH)?
The operating margin of Commerce Bancshares Inc is 45.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Commerce Bancshares Inc (CBSH)?
Revenue at Commerce Bancshares Inc is growing +14.2% versus a year earlier (3y avg +11.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Commerce Bancshares Inc (CBSH)?
Earnings per share at Commerce Bancshares Inc are growing +1.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Commerce Bancshares Inc (CBSH) generate?
The free cash flow of Commerce Bancshares Inc is $592M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Commerce Bancshares Inc (CBSH) carry?
The net debt of Commerce Bancshares Inc is $2.2B (fiscal year 2025, ≈ 3.7 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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