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Commerce Bancshares, Inc.(CBSH)Earnings, Financials & Key Ratios
CBSH•NASDAQ•Banking & Credit
13.4× P/E·Price updated Jun 17, 2026
AboutCommerce 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: Consumer, Commercial, and Wealth. The Consumer 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; 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 also offers private equity investment, securities brokerage, insurance agency, specialty lending, and leasing services, as well as online and mobile banking services. It operates through a network of 287 locations in Missouri, Kansas, Illinois, Oklahoma, and Colorado, as well as commercial offices. Commerce Bancshares, Inc. was founded in 1865 and is headquartered in Kansas City, Missouri.Show more
- Net Interest Income$1.11B+6.9%
- Total Revenue$2.14B+2.2%
- Net Income$566M+7.6%
- Return on Equity15.85%-5.2%
- Net Interest Margin3.38%+3.9%
- Efficiency Ratio45.79%+0.8%
- ROA1.74%+5.6%
- Equity / Assets11.59%+11.3%
- Book Value per Share27.46+10.8%
CBSH Key Insights
Commerce Bancshares, Inc. (CBSH) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Efficient operations: 45.8% efficiency ratio
- ✓Well capitalized: 11.6% equity/assets
- ✓Good 3Y average ROE of 16.7%
- ✓Diversified revenue: 30.7% from non-interest income
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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CBSH Price & Volume
Commerce Bancshares, Inc. (CBSH) stock price & volume — 10-year historical chart
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CBSH Growth Metrics
Commerce Bancshares, Inc. (CBSH) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years6.72%
5 Years9.02%
3 Years10.96%
TTM-
Profit CAGR
10 Years7.94%
5 Years9.85%
3 Years5.05%
TTM7.58%
EPS CAGR
10 Years9.48%
5 Years11.29%
3 Years5.34%
TTM7.24%
Return on Capital
10 Years15.22%
5 Years15.5%
3 Years13.62%
Last Year2.25%
CBSH Recent Earnings
Commerce Bancshares, Inc. (CBSH) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 12/12 qtrs (100%)●Beat Revenue 11/12 qtrs (92%)
Q2 2026Latest
Apr 21, 2026Metric
Actual
Est
EPS
$0.96+2.1%
$0.94
Rev
$476M-0.5%
$478M
Q1 2026
Jan 22, 2026Metric
Actual
Est
EPS
$1.01+2.0%
$0.99
Rev
$449M+1.6%
$442M
Q4 2025
Oct 16, 2025Metric
Actual
Est
EPS
$1.06+1.9%
$1.04
Rev
$449M+0.3%
$448M
Q3 2025
Jul 16, 2025Metric
Actual
Est
EPS
$1.14+9.6%
$1.04
Rev
$446M+2.6%
$434M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 21, 2026 | $0.96vs $0.94+2.1% | $476Mvs $478M-0.5% |
| Q1 2026 | Jan 22, 2026 | $1.01vs $0.99+2.0% | $449Mvs $442M+1.6% |
| Q4 2025 | Oct 16, 2025 | $1.06vs $1.04+1.9% | $449Mvs $448M+0.3% |
| Q3 2025 | Jul 16, 2025 | $1.14vs $1.04+9.6% | $446Mvs $434M+2.6% |
Based on last 12 quarters of dataView full earnings history →
CBSH Peer Comparison
Commerce Bancshares, Inc. (CBSH) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 WTFC | 10.38B | 153.92 | 13.31 | 6.66% | 19.48% | 11.71% | 0.62 | |
 UMBF | 10.09B | 132.57 | 14.52 | 68.52% | 19.79% | 11.67% | 0.49 | |
 BOKF | 7.95B | 130.84 | 14.25 | -1.07% | 17.38% | 9.79% | 0.78 | |
 FULT | 4.37B | 22.69 | 10.91 | 5.03% | 20.7% | 11.6% | 0.37 | |
 WSFS | 3.88B | 73.54 | 14.45 | -3.05% | 21.14% | 10.65% | 0.11 | |
 IBCP | 705.48M | 34.27 | 10.48 | -0.3% | 22.12% | 14.2% | 0.23 | |
 FHN | 12.27B | 24.73 | 13.15 | 0.97% | 19.99% | 10.71% | 0.50 | |
 HBAN | 26.67B | 16.85 | 12.12 | 4.38% | 17.71% | 10.04% | 0.76 |
Compare CBSH vs Peers
Commerce Bancshares, Inc. (CBSH) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CBSH Income Statement
Commerce Bancshares, Inc. (CBSH) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 733.68M | 823.83M | 821.29M | 829.85M | 835.42M | 942.18M | 998.13M | 1.04B | 1.11B |
NII Growth % | 7.89% | 12.29% | -0.31% | 1.04% | 0.67% | 12.78% | 5.94% | 4.22% | 6.88% |
Net Interest Margin % | 2.95% | 3.24% | 3.15% | 2.52% | 2.28% | 2.96% | 3.15% | 3.25% | 3.38% |
Interest Income | 777.41M | 889.2M | 924.68M | 872.65M | 848.29M | 998.98M | 1.38B | 1.47B | 1.48B |
Interest Expense | 43.73M | 65.38M | 103.39M | 42.8M | 12.87M | 56.79M | 383.16M | 429.31M | 371.87M |
Loan Loss Provision | 45.24M | 42.69M | 50.44M | 137.19M | -66.33M | 28.07M | 35.45M | 32.9M | 56.14M |
Non-Interest Income | 486.31M | 500.85M | 528.33M | 516.9M | 590.45M | 567.04M | 588.03M | 623.38M | 655.94M |
Non-Interest Income % | 38.48% | 36.03% | 36.36% | 37.2% | 41.04% | 36.21% | 29.86% | 29.78% | 30.66% |
Total Revenue | 1.26B▲ 0% | 1.39B▲ 10.0% | 1.45B▲ 4.5% | 1.39B▼ 4.4% | 1.44B▲ 3.5% | 1.57B▲ 8.8% | 1.97B▲ 25.8% | 2.09B▲ 6.3% | 2.14B▲ 2.2% |
Revenue Growth % | 8.98% | 10% | 4.53% | -4.37% | 3.54% | 8.85% | 25.75% | 6.28% | 2.23% |
Non-Interest Expense | 744.34M | 737.82M | 767.4M | 768.38M | 805.9M | 848.78M | 930.98M | 951.23M | 979.83M |
Efficiency Ratio | 58.9% | 53.08% | 52.81% | 55.3% | 56.01% | 54.2% | 47.27% | 45.45% | 45.79% |
Operating Income | 430.41M▲ 0% | 544.16M▲ 26.4% | 531.79M▼ 2.3% | 441.18M▼ 17.0% | 686.3M▲ 55.6% | 632.38M▼ 7.9% | 619.73M▼ 2.0% | 679.49M▲ 9.6% | 731.84M▲ 7.7% |
Operating Margin % | 34.06% | 39.15% | 36.6% | 31.75% | 47.7% | 40.38% | 31.47% | 32.47% | 34.2% |
Operating Income Growth % | 7.33% | 26.43% | -2.27% | -17.04% | 55.56% | -7.86% | -2% | 9.64% | 7.7% |
Pretax Income | 430.41M▲ 0% | 544.16M▲ 26.4% | 531.79M▼ 2.3% | 441.18M▼ 17.0% | 686.3M▲ 55.6% | 632.38M▼ 7.9% | 619.73M▼ 2.0% | 679.49M▲ 9.6% | 731.84M▲ 7.7% |
Pretax Margin % | 34.06% | 39.15% | 36.6% | 31.75% | 47.7% | 40.38% | 31.47% | 32.47% | 34.2% |
Income Tax | 110.51M | 105.95M | 109.07M | 87.29M | 145.71M | 132.36M | 134.55M | 145.09M | 161.14M |
Effective Tax Rate % | 25.67% | 19.47% | 20.51% | 19.79% | 21.23% | 20.93% | 21.71% | 21.35% | 22.02% |
Net Income | 319.38M▲ 0% | 433.54M▲ 35.7% | 421.23M▼ 2.8% | 354.06M▼ 15.9% | 530.76M▲ 49.9% | 488.4M▼ 8.0% | 477.06M▼ 2.3% | 526.33M▲ 10.3% | 566.25M▲ 7.6% |
Net Margin % | 25.27% | 31.19% | 28.99% | 25.48% | 36.89% | 31.19% | 24.22% | 25.15% | 26.46% |
Net Income Growth % | 15.97% | 35.74% | -2.84% | -15.95% | 49.91% | -7.98% | -2.32% | 10.33% | 7.58% |
Net Income (Continuing) | 319.9M | 438.21M | 422.71M | 353.88M | 540.59M | 500.02M | 485.18M | 534.4M | 570.7M |
EPS (Diluted) | 2.05▲ 0% | 2.82▲ 37.6% | 2.81▼ 0.4% | 2.39▼ 14.9% | 3.72▲ 55.6% | 3.49▼ 6.2% | 3.47▼ 0.6% | 3.87▲ 11.5% | 4.08▲ 5.4% |
EPS Growth % | 15.82% | 37.56% | -0.35% | -14.95% | 55.65% | -6.18% | -0.57% | 11.53% | 5.43% |
EPS (Basic) | 2.06 | 2.83 | 2.81 | 2.39 | 3.73 | 3.50 | 3.47 | 3.88 | 4.08 |
Diluted Shares Outstanding | 150.6M | 148.96M | 146.55M | 142.89M | 141.16M | 138.43M | 136.57M | 134.4M | 138.9M |
CBSH Balance Sheet
Commerce Bancshares, Inc. (CBSH) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 9.19B | 9.74B | 9.46B | 14.63B | 18.73B | 13.08B | 12.37B | 12.51B | 9.9B |
Cash & Due from Banks | 469.07M | 1.2B | 887.47M | 2.18B | 4.28B | 841.64M | 2.68B | 3.37B | 803.24M |
Short Term Investments | 8.73B | 8.54B | 8.57B | 12.45B | 14.45B | 12.24B | 9.68B | 9.14B | 9.1B |
Total Investments | 22.68B | 22.63B | 23.26B | 28.72B | 29.64B | 28.59B | 26.92B | 26.44B | 9.1B |
Investments Growth % | -1.29% | -0.21% | 2.79% | 23.47% | 3.22% | -3.56% | -5.83% | -1.79% | -65.6% |
Long-Term Investments | 13.95B | 14.09B | 14.69B | 16.27B | 15.19B | 16.35B | 17.24B | 17.3B | 0 |
Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Goodwill & Intangibles | 146.54M | 147.72M | 148.46M | 150.13M | 154.49M | 154.16M | 160.72M | 160.17M | 159.85M |
Goodwill | 138.92M | 138.92M | 138.92M | 138.92M | 138.92M | 138.92M | 146.54M | 146.54M | 146.54M |
Intangible Assets | 7.62M | 8.79M | 9.53M | 11.21M | 15.57M | 15.23M | 14.18M | 13.63M | 13.31M |
PP&E (Net) | 335.11M | 333.12M | 370.64M | 371.08M | 388.74M | 418.91M | 469.06M | 475.27M | 485.7M |
Other Assets | 1.21B | 1.16B | 1.4B | 1.5B | 2.23B | 1.87B | 1.47B | 1.55B | 0 |
Total Current Assets | 9.19B | 9.74B | 9.46B | 14.63B | 18.73B | 13.08B | 12.37B | 12.51B | 9.9B |
Total Non-Current Assets | 15.64B | 15.73B | 16.61B | 18.29B | 17.96B | 18.8B | 19.33B | 19.49B | 645.55M |
Total Assets | 24.83B▲ 0% | 25.46B▲ 2.5% | 26.07B▲ 2.4% | 32.92B▲ 26.3% | 36.69B▲ 11.4% | 31.88B▼ 13.1% | 31.7B▼ 0.5% | 32B▲ 0.9% | 32.92B▲ 2.9% |
Asset Growth % | -3.15% | 2.54% | 2.36% | 26.31% | 11.44% | -13.12% | -0.55% | 0.93% | 2.87% |
Return on Assets (ROA) | 1.27% | 1.72% | 1.63% | 1.2% | 1.52% | 1.42% | 1.5% | 1.65% | 1.74% |
Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Debt | 1.51B | 1.97B | 1.85B | 2.1B | 3.04B | 2.85B | 2.91B | 2.93B | 3B |
Net Debt | 1.04B | 767.32M | 965.73M | -85.74M | -1.24B | 2.01B | 228.06M | -446.1M | 2.2B |
Long-Term Debt | 1.76M | 8.7M | 2.42M | 802K | 12.56M | 9.67M | 1.4M | 56K | 12.8M |
Short-Term Debt | 1.51B | 1.96B | 1.85B | 2.1B | 3.02B | 2.84B | 2.91B | 2.93B | 2.99B |
Other Liabilities | 180.89M | 237.94M | 553.71M | 477.07M | 392.16M | 355.51M | 462.71M | 443.69M | 0 |
Total Current Liabilities | 21.93B | 22.28B | 22.37B | 29.05B | 32.84B | 29.03B | 28.27B | 28.22B | 0 |
Total Non-Current Liabilities | 182.65M | 246.65M | 556.13M | 477.87M | 404.72M | 365.18M | 464.12M | 443.75M | 12.8M |
Total Liabilities | 22.12B | 22.53B | 22.93B | 29.52B | 33.24B | 29.39B | 28.74B | 28.66B | 29.1B |
Total Equity | 2.72B▲ 0% | 2.94B▲ 8.1% | 3.14B▲ 6.9% | 3.4B▲ 8.3% | 3.45B▲ 1.4% | 2.48B▼ 28.0% | 2.96B▲ 19.4% | 3.33B▲ 12.4% | 3.81B▲ 14.5% |
Equity Growth % | 8.68% | 8.06% | 6.85% | 8.33% | 1.42% | -28.04% | 19.45% | 12.42% | 14.47% |
Equity / Assets (Capital Ratio) | 10.95% | 11.53% | 12.04% | 10.33% | 9.4% | 7.79% | 9.35% | 10.42% | 11.59% |
Return on Equity (ROE) | 12.24% | 15.33% | 13.87% | 10.83% | 15.5% | 16.47% | 17.52% | 16.72% | 15.85% |
Book Value per Share | 18.05 | 19.72 | 21.42 | 23.79 | 24.43 | 17.93 | 21.70 | 24.80 | 27.46 |
Tangible BV per Share | 17.08 | 18.73 | 20.40 | 22.74 | 23.33 | 16.81 | 20.53 | 23.60 | 26.31 |
Common Stock | 535.41M | 559.43M | 563.98M | 589.35M | 610.8M | 629.32M | 655.32M | 676.05M | 692.94M |
Additional Paid-in Capital | 1.82B | 2.08B | 2.15B | 2.44B | 2.69B | 2.93B | 3.16B | 3.4B | 3.52B |
Retained Earnings | 221.37M | 241.16M | 201.56M | 73M | 92.49M | 31.62M | 53.18M | 45.49M | 131.83M |
Accumulated OCI | 14.11M | -64.67M | 110.44M | 331.38M | 77.08M | -1.09B | -891.41M | -758.91M | -507.69M |
Treasury Stock | -14.47M | -34.24M | -37.55M | -32.97M | -32.97M | -41.74M | -35.6M | -48.4M | -48M |
Preferred Stock | 144.78M | 144.78M | 144.78M | 0 | 0 | 0 | 0 | 0 | 0 |
CBSH Cash Flow Statement
Commerce Bancshares, Inc. (CBSH) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 426.53M | 552.66M | 512.79M | 623.99M | 597.72M | 559.38M | 488.77M | 577.86M | 645.14M |
Operating CF Growth % | -6.25% | 29.57% | -7.21% | 21.68% | -4.21% | -6.41% | -12.62% | 18.23% | 11.64% |
Net Income | 319.9M | 438.21M | 422.71M | 353.88M | 540.59M | 500.02M | 485.18M | 534.4M | 570.7M |
Depreciation & Amortization | 39.73M | 38.68M | 41.15M | 43.77M | 44.87M | 46.86M | 49.51M | 54.08M | 38.19M |
Deferred Taxes | 13.62M | 5.34M | 14.2M | -19.54M | 25.61M | 21.72M | -7.4M | -591K | 11.55M |
Other Non-Cash Items | 73.28M | 47.42M | -2.48M | 241.46M | -40.2M | 12.12M | -100.82M | -10.05M | 35.16M |
Working Capital Changes | -32.11M | 10.17M | 23.37M | -10.5M | 11.43M | -38.32M | 45.25M | -17M | -27.74M |
Cash from Investing | 220.72M | -91.02M | -730.16M | -5.39B | -2.08B | 242.27M | 2.18B | 483.79M | -462.37M |
Purchase of Investments | -1.85B | -2.09B | -1.86B | -6.99B | -5.95B | -2.15B | -246.29M | -2.68B | -1.45B |
Sale/Maturity of Investments | 2.69B | 2.22B | 1.97B | 3.28B | 3.54B | 2.8B | 3.08B | 3.43B | 1.86B |
Net Investment Activity | 838.2M | 129.52M | 108.27M | -3.72B | -2.41B | 650.37M | 2.83B | 750.7M | 409.3M |
Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | -6.37M | 0 | 0 |
Other Investing | -586.66M | -187.25M | -795.86M | -1.64B | 381.93M | -342.91M | -552.94M | -220.78M | -871.67M |
Cash from Financing | -924.54M | 223.25M | -84.06M | 6.07B | 3.57B | -4.2B | -883.12M | -372.94M | -11.04M |
Dividends Paid | -100.62M | -109.24M | -122.47M | -127.57M | -122.69M | -127.47M | -134.73M | -145.09M | -150.24M |
Share Repurchases | -17.77M | -75.23M | -284.9M | -204.16M | -129.36M | -186.62M | -76.37M | -170.47M | -207.57M |
Stock Issued | -8K | -10K | -8K | -11K | -15K | -8K | 0 | 0 | 0 |
Net Stock Activity | -17.78M | -75.24M | -284.91M | -204.17M | -129.38M | -186.63M | -76.37M | -170.47M | -207.57M |
Debt Issuance (Net) | -1000K | 1000K | -1000K | -1000K | 1000K | -1000K | -1000K | -1000K | 1000K |
Other Financing | -705.86M | 400.78M | 329.7M | 6.4B | 3.81B | -3.88B | 1.59B | -56.03M | 271.14M |
Net Change in Cash | -277.29M▲ 0% | 684.89M▲ 347.0% | -301.43M▼ 144.0% | 1.3B▲ 531.4% | 2.09B▲ 60.6% | -3.4B▼ 262.7% | 1.79B▲ 152.6% | 688.71M▼ 61.5% | 171.72M▼ 75.1% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 801.64M | 524.35M | 1.21B | 907.81M | 2.21B | 4.3B | 897.8M | 2.69B | 3.38B |
Cash at End | 524.35M | 1.21B | 907.81M | 2.21B | 4.3B | 897.8M | 2.69B | 3.38B | 3.55B |
Interest Paid | 43.69M | 63.24M | 97.81M | 52.24M | 16.05M | 53.74M | 336.51M | 453.17M | 0 |
Income Taxes Paid | 120.74M | 84.17M | 76.17M | 90.07M | 119.67M | 117M | 130.96M | 126.13M | 0 |
Free Cash Flow | 395.7M▲ 0% | 519.37M▲ 31.3% | 470.22M▼ 9.5% | 590.86M▲ 25.7% | 541.01M▼ 8.4% | 494.19M▼ 8.7% | 400.69M▼ 18.9% | 531.73M▲ 32.7% | 592.39M▲ 11.4% |
FCF Growth % | -8.08% | 31.25% | -9.46% | 25.66% | -8.44% | -8.65% | -18.92% | 32.7% | 11.41% |
CBSH Banking Ratios
Commerce Bancshares, Inc. (CBSH) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 11.31% | 12.24% | 15.33% | 13.87% | 10.83% | 15.5% | 16.47% | 17.52% | 16.72% | 15.85% |
Return on Assets (ROA) | 1.1% | 1.27% | 1.72% | 1.63% | 1.2% | 1.52% | 1.42% | 1.5% | 1.65% | 1.74% |
Net Interest Margin | 2.65% | 2.95% | 3.24% | 3.15% | 2.52% | 2.28% | 2.96% | 3.15% | 3.25% | 3.38% |
Efficiency Ratio | 59.44% | 58.9% | 53.08% | 52.81% | 55.3% | 56.01% | 54.2% | 47.27% | 45.45% | 45.79% |
Equity / Assets | 9.75% | 10.95% | 11.53% | 12.04% | 10.33% | 9.4% | 7.79% | 9.35% | 10.42% | 11.59% |
Book Value / Share | 16.65 | 18.05 | 19.72 | 21.42 | 23.79 | 24.43 | 17.93 | 21.7 | 24.8 | 27.46 |
NII Growth | 7.21% | 7.89% | 12.29% | -0.31% | 1.04% | 0.67% | 12.78% | 5.94% | 4.22% | 6.88% |
Dividend Payout | 31.62% | 28.69% | 23.12% | 26.94% | 34.12% | 23.12% | 26.1% | 28.24% | 27.57% | 26.53% |
Related:CBSH Dividend History·CBSH Revenue History·CBSH Price History·CBSH P/E History·CBSH Financial Ratios·CBSH Institutional Holders
CBSH SEC Filings & Documents
Commerce Bancshares, Inc. (CBSH) SEC filings — annual & quarterly reports (10-K, 10-Q)
CBSH Frequently Asked Questions
Commerce Bancshares, Inc. (CBSH) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Commerce Bancshares, Inc. (CBSH) grew revenue by 2.2% over the past year. Growth has been modest.
Yes, Commerce Bancshares, Inc. (CBSH) is profitable, generating $566.3M in net income for fiscal year 2025 (26.5% net margin).
Dividend & Returns
Yes, Commerce Bancshares, Inc. (CBSH) pays a dividend with a yield of 1.98%. This makes it attractive for income-focused investors.
Commerce Bancshares, Inc. (CBSH) has a return on equity (ROE) of 15.8%. This is reasonable for most industries.
Industry Metrics
Commerce Bancshares, Inc. (CBSH) has a net interest margin (NIM) of 3.4%. This indicates healthy earnings from lending activities.
Commerce Bancshares, Inc. (CBSH) has an efficiency ratio of 45.8%. This is excellent, indicating strong cost control.