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Commerce Bancshares, Inc. CBSH

Financial — Banks Regional
Dividend Aristocrat Insider Buys (last 12m)
Growth Flags show if company had growth for consecutive years ,
Insider Buys alert about insiders buying in the last 12 month

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Insider Decisions

Total buys
0.12
Total sells
4.17
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — 1 — — — — — —
Sell — — — 1 5 2 — — 1 4 3 —
Insider Ownership
3.64%

Capital & Financial Ratios

Market Cap
8,190.00
Revenue
2,274.25
Net Income
590.84
Free Cash Flow
1,215.95
Net Debt
(4,089.21)
Current Ratio
0.82
Debt/Equity
0.01
P/E ratio
13.82
P/S ratio
3.62
P/B ratio
1.88
Past 5Y EPS Growth
6.66%
This Y EPS Growth
5.10%
Next Y EPS Growth
7.85%
Next 5Y EPS Growth
7.47%
in millions of $

Dividends

Payout Ratio
0.27
Annual Dividend Rate
1.08
Annual Dividend Yield
2.24%
total individual payouts
2028 ‡‡‡‡
2027 ‡‡‡‡‡
2026 1.10
—
—
—
2025 1.05
—
—
—
—
2024 0.98
—
—
—
—
2023 0.93
—
—
—
—
2022 0.87
—
—
—
—
2021 0.82
—
—
—
—
2020 0.81
—
—
—
—
2019 0.74
—
—
—
—
2018 0.64
—
—
—
—
2017 0.58
—
—
—
—
2016 0.55
—
—
—
—
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 3,166.01 4,038.94 4,437.71 4,115.50
Receivables — — — —
Inventory — — — —
Other — — — —
20,213.27 21,099.55 22,033.84 24,757.41
2023 2024 2025 Q'26
Payables 25,363.90 25,293.64 25,639.58 27,875.70
ST’ Debt — — — —
Other — — — —
28,272.71 28,220.40 28,629.22 30,303.99
in millions of $

Compound Annual Growth

10y 5y 3y
Sales ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Book Value ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 584.01 603.99 — —
—
’25 515.72 537.69 543.50 542.75
2,139.66
’24 507.31 524.84 534.97 525.82
2,092.93
’23 446.16 499.66 508.41 515.09
1,969.32
’22 350.71 378.61 404.59 432.11
1,566.02
’21 355.60 367.08 367.60 348.47
1,438.74
’20 331.85 326.71 368.84 362.15
1,389.55
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 684.80 181.86 — —
—
’25 138.60 111.19 129.02 266.32
645.14
’24 135.48 147.36 431.68 (136.65)
577.86
’23 116.06 104.83 146.86 121.02
488.77
’22 124.51 161.66 183.62 89.60
559.39
’21 201.67 125.58 158.88 111.60
597.72
’20 79.77 149.96 242.66 151.61
623.99
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 680.90 169.19 — —
—
’25 126.12 100.51 113.28 252.58
592.49
’24 127.15 139.46 424.65 (150.64)
540.62
’23 96.02 74.18 128.73 106.12
405.05
’22 109.09 149.49 166.18 72.42
497.18
’21 193.51 116.58 143.44 96.34
549.87
’20 72.21 143.86 227.43 149.23
592.74
in millions of $

EPS

Mar Jun Sep Dec Year
’26 0.96 1.10 — —
—
’25 0.98 1.14 1.06 1.01
4.04
’24 0.86 1.07 1.07 1.01
3.87
’23 0.90 0.97 0.91 0.84
3.64
’22 0.88 0.87 0.93 0.99
3.67
’21 0.96 1.19 0.91 0.85
3.91
’20 0.36 0.28 0.91 0.96
2.51

Target Price Range

High
‡‡‡‡‡
‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡

Recommendation Rating

2.7
1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 54.25 37.11 44.84 48.69 — — —
Low Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 64.97 60.64 69.29 65.59 — — —
High Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4,598 4,728 4,687 4,737 — — —
Employees
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.34 0.42 0.45 0.45 — — —
Revenue/Emp
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,566.02 1,969.32 2,092.93 2,139.66 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 96.37% 80.54% 79.49% 82.62% — — —
Gross Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 632.38 619.73 679.49 731.84 — — —
EBT
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 40.38% 31.47% 32.47% 34.20% ‡‡‡ ‡‡‡ ‡‡‡
EBT Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 500.02 485.18 534.40 570.70 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Net Income
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 65.66 67.18 53.24 38.19 — — —
Depreciation
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 11.34 13.75 14.82 15.42 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3.68 3.64 3.88 4.04 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4.05 3.41 4.09 4.65 — — —
Cash Flow/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.45) (0.58) (0.26) (0.38) ‡‡‡ ‡‡‡ ‡‡‡
Capex/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3.60 2.83 3.83 4.27 — — —
Free CF/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 17.97 20.69 23.59 27.49 — — —
Book Value/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 138.12 143.24 141.25 138.77 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Shares
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 15.85 13.51 14.76 12.49 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
PE Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 5.15 3.58 4.00 3.39 ‡‡‡ ‡‡‡ ‡‡‡
PS Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3.25 2.38 2.52 1.90 ‡‡‡ ‡‡‡ ‡‡‡
PB Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 5.85 3.36 3.39 2.61 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
EV/Sales
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 18.43 16.36 13.11 9.42 — — —
EV/FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 559.39 488.77 577.86 645.14 ‡‡‡ ‡‡‡ ‡‡‡
Op' Cash Flow
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (62.21) (83.72) (37.24) (52.65) — — —
Capex
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 497.18 405.05 540.62 592.49 — — —
FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (11,111.55) (8,059.44) (7,120.85) (6,595.38) — — —
Working Cap'
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2,857.67 1.40 0.06 12.80 — — —
Total Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,098.01 (3,164.61) (4,038.89) (4,424.91) — — —
Net Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2,481.58 2,964.23 3,332.48 3,814.77 — — —
Sh' Equity
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.42% 1.50% 1.65% 1.74% — — —
ROA
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 11.04% 0.00% 0.00% 0.00% — — —
ROIC
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 16.47% 17.52% 16.72% 15.85% — — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

Commerce Bancshares, Inc. (CBSH), a conservative Midwest regional bank, has delivered steady performance through economic storms like COVID-19 and 2023 banking crises, fueled by prudent lending, limited real estate exposure, and robust revenue growth from $1.16 billion in 2016 to $2.09 billion in 2024 (7.7% CAGR). Profitability shines with net income up 93%, EPS surging 108% to $3.88, and ROE averaging 14%, underpinned by operational efficiency and free cash flow per share at $4.02. The balance sheet is a fortress: debt virtually eliminated, a $4 billion cash surplus, and book value per share up 38% to $24.77.

Yet caution flags emerge—insider selling totaling $1.82 million with zero buys signals potential concerns, while analyst forecasts predict a sharp 16% revenue drop to $1.76 billion in 2025 amid normalizing rates and margin compression to 79.5%. Valuation appears fair at 14.8x P/E and 2.4x book, with mean targets implying 16% upside but 9% downside risk.

CBSH offers reliable mid-teens ROE and dividend appeal for patient investors, positioned for low-single-digit growth post-dip via its deleveraged strength and Midwest opportunities. Key risks include NIM erosion, provision builds, and deposit trends—monitor Q1 2026 earnings to assess if execution justifies a hold or reveals deeper cyclical vulnerabilities.

Read full commentary →

Commerce Bancshares, Inc. (CBSH) Latest News

News by impact score

Fine-tune

8 Sep

3 , 10:31 AM
CBSH pursues expansion initiatives with potential to accelerate top-line growth. CBSH expansion initiatives may moderately affect financial performance and market position.

16 Jul

3 , 3:18 PM
Commerce Bancshares (CBSH) posted Q2 CY2026 sales above expectations. One quarter of better-than-expected sales can shift near-term sentiment and valuation without altering long-term trajectory.

3 , 9:30 AM
Commerce Bancshares (CBSH) Q2 earnings key metrics are analyzed, covering financial performance indicators and operational results. Q2 earnings metrics analysis can moderately affect CBSH financial perception and short-term stock movement.

3 investorshub.advfn.com, 8:09 AM
Commerce Bancshares exceeded second-quarter earnings expectations due to stronger margins and loan growth. Quarterly earnings beat on margin and loan growth signals improved performance likely to support near-term valuation.

3 , 6:00 AM
Commerce Bancshares, Inc. reported second quarter earnings per share of $1.10. Q2 EPS figure supplies standard financial metric that can shift near-term stock price and sentiment.

29 Jun

3 , 7:00 AM
Commerce Bank acquires Nolan & Associates to add investment banking capabilities for middle-market clients. Acquisition adds investment banking services but represents incremental rather than transformative growth for the bank.

15 May

3 Simply Wall St., 3:22 AM
Visa gains and portfolio shifts could alter the investment case for Commerce Bancshares (CBSH). Visa gains and portfolio adjustments may moderately influence CBSH's investment appeal and market sentiment.

13 May

4 Zacks, 9:33 AM
Commerce Bancshares (CBSH) will use a Visa exchange gain to fund portfolio repositioning, expected to boost net interest income (NII). Visa exchange gain enables CBSH's portfolio repositioning to boost NII, signaling a major strategic move with significant positive impact on financial performance.

12 May

4 Business Wire, 3:32 PM
Commerce Bancshares, Inc. announces Visa Inc.’s acceptance of its Class B-2 Common Stock and the repositioning of its investment securities. Visa’s acceptance of Class B-2 shares unlocks potential value from legacy holdings while securities repositioning optimizes yields and balance sheet strength.

29 Apr

4 Simply Wall St., 12:05 PM
Commerce Bancshares (CBSH) reported higher earnings, raised its dividend, and expanded share buybacks, positively transforming its investment narrative and boosting shareholder value. Higher earnings, dividend increases, and buybacks demonstrate financial strength and directly enhance investor sentiment and stock performance.

28 Apr

3 Business Wire, 11:13 AM
Commerce Bancshares, Inc. (CBSH) expands its share repurchase program, signaling confidence in long-term value and reinforcing disciplined capital strategy. Expanding the share repurchase program boosts investor confidence and supports EPS growth without fundamentally altering core operations.

23 Apr

4 Simply Wall St., 2:06 AM
Commerce Bancshares (CBSH) exceeded Q1 earnings expectations with profit upside, prompting valuation assessment amid strong financial performance. Q1 earnings beat and profit upside signal robust financial health, likely driving significant positive shifts in stock valuation and investor sentiment.

22 Apr

3 Zacks, 12:08 PM
Commerce Bancshares (CBSH) Q1 earnings beat estimates as revenues rose year-over-year, but shares dipped due to higher costs. Earnings beat and revenue growth boost financial performance, but higher costs limit positive market reaction.

21 Apr

4 , 9:30 AM
Commerce Bancshares (CBSH) reported Q1 earnings, with key metrics analyzed for insights into financial performance and outlook. Q1 earnings reports reveal core financial metrics that can significantly sway investor sentiment and stock trajectory.

3 , 7:15 AM
Commerce Bancshares (CBSH) topped Q1 earnings and revenue estimates. Beating Q1 earnings and revenue estimates moderately boosts financial performance and market sentiment.

3 , 6:00 AM
Commerce Bancshares, Inc. reported first quarter earnings per share of $0.96. Quarterly earnings per share directly influences financial performance and market sentiment but is routine without transformative details.

20 Apr

4 , 1:49 AM
Commerce Bancshares (CBSH) reports earnings tomorrow, with analysts outlining expectations for revenue growth, EPS, net interest margin, loan growth, deposit trends, and credit quality amid economic pressures. Upcoming earnings reports frequently trigger major stock price movements and shifts in investor outlook for CBSH.

16 Apr

3 Zacks, 9:15 AM
Analyst projections for key metrics offer insights into Commerce Bancshares, Inc. (CBSH) Q1 earnings expectations. Analyst projections for Q1 earnings metrics can moderately influence investor sentiment and financial performance expectations.

8 Apr

3 Zacks, 10:00 AM
Commerce Bancshares (CBSH) is expected to surpass earnings estimates, with strong Zacks Consensus EPS projection and history of beats suggesting potential stock price upside. Expected earnings beat targets key financial performance metric with moderate potential to boost short-term investor sentiment and stock movement.

2 Apr

4 Zacks, 9:41 AM
ASB completed the American National acquisition, significantly expanding Commerce Bancshares, Inc. (CBSH)'s scale and presence in the Midwest. Deal completion represents a major strategic expansion enhancing CBSH's regional footprint and growth prospects.

9 Mar

4 Simply Wall St., 1:06 AM
Investors react to Commerce Bancshares (CBSH) rating upgrade and focus on balance-sheet optimization, signaling improved financial health and strategic priorities. Rating upgrade and balance-sheet optimization enhance investor sentiment and position CBSH for stronger market performance.

6 Mar

3 Zacks, 12:34 PM
CBSH demonstrates solid organic growth fueling top-line expansion through strong loan and deposit increases, fee income growth, and efficient expense management. Solid organic growth bolsters CBSH's revenue and financial performance amid stable operations.

19 Feb

3 StockStory, 11:01 PM
Commerce Bancshares (CBSH) Q4 earnings spark buy, sell, or hold debate on stock future amid performance review. Q4 earnings results moderately influence financial performance and investor sentiment.

18 Feb

3 Simply Wall St., 3:11 AM
Commerce Bancshares, Inc. (CBSH) extends its 58-year dividend increase streak, maintaining reliable payouts amid an undemanding valuation that suggests investment appeal. Extending a 58-year dividend streak reinforces financial stability and positively influences investor sentiment without fundamentally altering competitive positioning.

13 Feb

3 Zacks, 11:40 AM
Commerce Bancshares, Inc. (CBSH) is being compared to UMB Financial Corporation (UMBF) to determine which stock presents a better value option for investors. The analysis considers various financial metrics, including price-to-earnings ratios, dividend yields, and overall market performance. Investors are encouraged to evaluate both companies based on their financial health and growth potential to make informed investment decisions. The comparison of CBSH with UMBF highlights key financial metrics that may influence investor sentiment and market positioning.

12 Feb

3 StockStory, 11:34 PM
Commerce Bancshares, Inc. (CBSH) is highlighted as a low-volatility stock that raises concerns due to its high valuation and potential risks associated with economic conditions. Analysts point out that while CBSH has shown stability, its current price-to-earnings ratio may not justify the risks, especially in a fluctuating market. Investors are advised to be cautious as the stock may not perform as well in the face of economic challenges. High valuation concerns may moderately influence investor sentiment and financial performance.

10 Feb

4 www.marketbeat.com, 5:20 PM
Commerce Bancshares, Inc. (CBSH) anticipates a record year in 2025 following the closure of its acquisition of FineMark National Bank & Trust. The company is focusing on growth strategies for 2026 while addressing potential pressure on net interest margins (NIM). The acquisition and growth strategies are significant moves that could alter the company's trajectory and investor sentiment.

7 Feb

4 Simply Wall St., 3:06 AM
Commerce Bancshares, Inc. (CBSH) has extended its dividend growth streak to 58 years, recently announcing a dividend hike. This consistent performance in returning value to shareholders may positively influence investor sentiment and alter perceptions of the company's stability and growth potential. Analysts are evaluating whether this long-standing commitment to dividends will enhance CBSH's narrative in a competitive banking landscape. The 58-year dividend growth streak and recent hike are significant indicators of the company's financial health and could positively impact investor sentiment and market performance.

4 Feb

3 Insider Monkey, 7:56 AM
Aristotle Capital Value Equity Strategy has decided to sell its shares in Commerce Bancshares, Inc. (CBSH) due to concerns over the bank's valuation and growth prospects. The firm believes that CBSH's stock is overvalued compared to its peers and anticipates challenges in maintaining its competitive edge in the banking sector. This decision reflects a strategic shift in investment focus towards companies with more favorable growth potential. The decision to sell indicates moderate concerns about CBSH's future growth and valuation relative to competitors.

28 Jan

3 Zacks, 11:40 AM
Commerce Bancshares, Inc. (CBSH) is being compared to ASB to determine which stock offers better value at present. Analysts are evaluating various financial metrics and market conditions to assess the investment potential of both companies. The analysis includes considerations of earnings, growth prospects, and overall market sentiment towards the banking sector. Investors are encouraged to weigh the findings to make informed decisions regarding their portfolios. The comparison of CBSH with ASB highlights relevant financial metrics that could influence investor sentiment and market positioning.
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