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Commerce Bancshares, Inc. (CBSH) vs Zions Bancorporation, N.A. (ZION)

Commerce Bancshares, Inc. and Zions Bancorporation, N.A. are both Banks Regional companies. Zions Bancorporation, N.A. is the larger, with a market value of $9.5B against $7.8B — 1.2× the size. Zions Bancorporation, N.A. trades at the lower P/E: 8.0× against 13.3×. Commerce Bancshares, Inc. grew revenue faster over the last twelve months: 9.43% against 4.16%. Commerce Bancshares, Inc. has the higher net margin (25.8% vs 23.4%) and the higher return on invested capital (75.9% vs 22.3%). Both pay a dividend; Zions Bancorporation, N.A. yields more (2.81% vs 1.97%). Across the 18 metrics below, Zions Bancorporation, N.A. leads on 12 and Commerce Bancshares, Inc. on 6.

Valuation

Metric CBSH ZION Banks Regional median
P/E 13.31 7.99 12.02
P/S 3.41 1.83 2.36
P/B 1.88 1.24 1.23
Price to free cash flow 6.52 5.62 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.51% 12.51% 8.21%
Free cash flow yield 15.34% 17.79% 9.23%

Profitability

Metric CBSH ZION Banks Regional median
Gross margin 83.93% 72.91% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 25.76% 23.44% 18.82%
Free cash flow margin 0.00% 0.00% 17.97%
Return on equity 14.94% 16.76% 10.28%
Return on assets 1.78% 1.35% 1.13%
Return on invested capital 75.90% 22.33% 8.45%

Growth

Metric CBSH ZION Banks Regional median
Revenue growth (TTM) 9.43% 4.16% 6.37%
EPS growth (last fiscal year) 4.39% 21.41% 18.85%
Revenue growth, 5-year CAGR 9.02% 10.93% 12.65%
Net income growth, 5-year CAGR 10.60% 12.13% 9.81%

Health

Metric CBSH ZION Banks Regional median
Debt to equity 0.00 0.31 0.17
Current ratio 0.82 0.86 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CBSH ZION Banks Regional median
Dividend yield 1.97% 2.81% 2.49%
Payout ratio 0.26 0.22 0.29

Size

Metric CBSH ZION Banks Regional median
Market cap 7.84b 9.48b 934.85m

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