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Commerce Bancshares, Inc (CBSH) Fair Value & Analysis

Financial Services · US · Market cap $7.6B

Price$56.62
Fair Value$50.50
Upside-10.8%
Quality95/100
Evidence: High Range $37.87 – $63.12

Fair value as of: Jun 25, 2026

Analysis

Commerce Bancshares, Inc (CBSH) currently trades at $56.62, while our model-based Fair Value estimate is $50.50 — implying the stock looks roughly 10.8% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

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 de…

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Frequently asked questions

Is Commerce Bancshares, Inc (CBSH) undervalued?
As of Jun 25, 2026, our model estimates a fair value of $50.50 versus a price of $56.62 — about −11% (overvalued). Model-based estimate, not financial advice.
What is the fair value of CBSH?
Our 21-model fair value for Commerce Bancshares, Inc is $50.50 (as of Jun 25, 2026), built from audited fundamentals. The current price is $56.62.
What is the quality score of CBSH?
Commerce Bancshares, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.