Commerce Bancshares, Inc. (CBSH) Quarterly Income Statement

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Commerce Bancshares, Inc. (CBSH) quarterly income statement — complete revenue, gross profit & net income history

Quarterly statement

CBSH Income Statement

Commerce Bancshares, Inc. (CBSH) annual income statement — 30-year revenue, gross profit & net income history

Metric	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23	Q2'23	Q1'23	Q4'22	Q3'22	Q2'22	Q1'22	Q4'21

Net Interest Income	308.88M	297.07M	299.84M	283.15M	279.46M	280.15M	269.1M	266.65M	262.35M	262.25M	249M	248.42M	248.55M	249.54M	251.62M	254.64M	246.37M	232.38M	208.79M	207.66M
NII Growth %	10.53%	6.04%	11.42%	6.19%	6.52%	6.82%	8.07%	7.34%	5.55%	5.09%	-1.04%	-2.44%	0.88%	7.38%	20.52%	22.63%	15.11%	11.73%	1.48%	-1%
Net Interest Margin %	0.89%	0.84%	0.84%	0.86%	0.87%	0.87%	0.83%	0.83%	0.83%	0.86%	0.82%	0.78%	0.79%	0.76%	0.79%	0.8%	0.76%	0.7%	0.6%	0.57%
Interest Income	402.69M	396M	396.51M	373.62M	374.11M	371.64M	364.37M	369.4M	372.07M	369.36M	358.72M	362.61M	361.16M	348.66M	308.86M	286.38M	262.67M	238.15M	211.78M	210.48M
Interest Expense	93.82M	98.93M	96.67M	90.47M	94.65M	91.49M	95.26M	102.76M	109.72M	107.11M	109.72M	114.19M	112.61M	99.13M	57.23M	31.74M	16.29M	5.77M	3M	2.82M
Loan Loss Provision	10.03M	1.07M	10.96M	15.99M	20.06M	5.6M	14.49M	13.51M	9.14M	5.47M	4.79M	5.88M	11.64M	6.47M	11.46M	15.48M	15.29M	7.16M	-9.86M	-7.05M
Non-Interest Income	185.47M	102.91M	187.5M	169.14M	169.4M	165.61M	151.36M	156.41M	162.9M	155.48M	148.59M	152.48M	147.25M	151M	137.31M	145.73M	141.92M	140.46M	138.93M	137.99M
Non-Interest Income %	37.52%	25.73%	38.47%	37.4%	37.74%	37.15%	36%	36.97%	38.31%	37.22%	37.37%	38.03%	37.2%	37.7%	35.3%	36.4%	36.55%	37.67%	39.96%	39.92%
Total Net Revenue	494.34M	399.98M	487.34M	452.29M	448.85M	445.76M	420.46M	423.06M	425.25M	417.73M	397.59M	400.9M	395.79M	400.54M	388.93M	400.37M	388.3M	372.84M	347.72M	345.65M
Revenue Growth %	10.13%	-10.27%	15.91%	6.91%	5.55%	6.71%	5.75%	5.53%	7.44%	4.29%	2.23%	0.13%	1.93%	7.43%	11.85%	15.83%	6.48%	2.45%	-1.12%	-3.23%
Non-Interest Expense	285.93M	192.97M	291.13M	253M	244.02M	244.44M	238.38M	235.72M	237.6M	232.21M	245.7M	251.25M	228.01M	227.61M	224.11M	216.74M	212.88M	213.5M	205.65M	203.58M
Efficiency Ratio	57.84%	48.24%	59.74%	55.94%	54.36%	54.84%	56.69%	55.72%	55.87%	55.59%	61.8%	62.67%	57.61%	56.83%	57.62%	54.13%	54.83%	57.26%	59.14%	58.9%
Operating Income	198.39M	205.94M	185.25M	183.3M	184.77M	196.16M	167.6M	173.83M	178.51M	180.04M	147.1M	143.77M	156.14M	166.45M	153.37M	168.15M	160.12M	152.17M	151.93M	149.12M
Operating Margin %	40.13%	51.49%	38.01%	40.53%	41.17%	44.01%	39.86%	41.09%	41.98%	43.1%	37%	35.86%	39.45%	41.56%	39.43%	42%	41.24%	40.81%	43.69%	43.14%
Operating Income Growth %	7.37%	4.99%	10.53%	5.45%	3.51%	8.95%	13.93%	20.91%	14.33%	8.17%	-4.08%	-14.5%	-2.49%	9.38%	0.95%	12.76%	-0.18%	-28.04%	-8.09%	-9.78%
Pretax Income	202.48M	205.94M	185.25M	183.3M	184.77M	196.16M	167.6M	173.83M	178.51M	180.04M	147.1M	143.77M	156.14M	166.45M	153.37M	168.15M	160.12M	152.17M	151.93M	149.12M
Pretax Margin %	40.96%	51.49%	38.01%	40.53%	41.17%	44.01%	39.86%	41.09%	41.98%	43.1%	37%	35.86%	39.45%	41.56%	39.43%	42%	41.24%	40.81%	43.69%	43.14%
Income Tax	44.41M	46.15M	40.88M	40.62M	41.15M	42.4M	36.96M	36.59M	38.24M	38.6M	31.65M	32.31M	33.44M	35.99M	32.81M	34.5M	33.94M	32.02M	31.9M	33.76M
Effective Tax Rate %	21.93%	22.41%	22.07%	22.16%	22.27%	21.61%	22.06%	21.05%	21.42%	21.44%	21.52%	22.47%	21.42%	21.62%	21.4%	20.52%	21.19%	21.04%	21%	22.64%
Net Income	154.99M	159.79M	141.62M	140.66M	141.52M	152.48M	131.59M	136.11M	138.01M	139.55M	112.66M	109.22M	120.6M	127.79M	119.45M	131.63M	122.82M	115.79M	118.15M	114.91M
Net Margin %	31.35%	39.95%	29.06%	31.1%	31.53%	34.21%	31.3%	32.17%	32.45%	33.41%	28.34%	27.24%	30.47%	31.9%	30.71%	32.88%	31.63%	31.06%	33.98%	33.24%
Net Income Growth %	9.52%	4.79%	7.62%	3.35%	2.54%	9.26%	16.8%	24.61%	14.44%	9.21%	-5.68%	-17.02%	-1.81%	10.36%	1.1%	14.55%	0.21%	-28.67%	-9.79%	-11.54%
Net Income (Continuing)	158.08M	159.79M	144.37M	142.68M	143.62M	153.76M	130.63M	137.24M	140.26M	141.44M	115.45M	111.46M	122.7M	130.46M	120.55M	133.65M	126.19M	120.15M	120.03M	115.36M
EPS (Diluted)	1.08	1.11	0.97	1.02	1.01	1.14	0.98	1.01	1.02	1.02	0.82	0.80	0.87	0.93	0.86	0.95	0.88	0.83	0.84	0.81
EPS Growth %	6.93%	-2.63%	-1.02%	0.99%	-0.98%	11.76%	19.51%	26.25%	17.24%	9.68%	-4.65%	-15.79%	-1.14%	12.05%	2.38%	17.28%	2.33%	-27.19%	-7.69%	-10.99%
EPS (Basic)	1.08	1.11	0.97	1.02	1.01	1.14	0.98	1.01	1.02	1.03	0.82	0.79	0.87	0.93	0.86	0.95	0.89	0.83	0.84	0.81
Diluted Shares Outstanding	142.22M	144.31M	145.86M	137.6M	132.46M	132.58M	134.28M	133.69M	134.4M	135.04M	135.65M	136.53M	138.5M	138.13M	138.63M	137.36M	138.04M	139.63M	141.01M	141.51M