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Company Analysis

Commerce Bancshares, Inc. CBSH

A comprehensive view of key metrics, scores, and financial health for Commerce Bancshares, Inc.

Overview of Commerce Bancshares, Inc.

CBSH NMS
Financial Services Banks - Regional Mid Cap
Commerce Bancshares, Inc. (CBSH), is a Mid Cap company, in the Banks - Regional industry, last closed at $47.65, about 41.2% overvalued vs fair value, -19.1% 1Y return, ranked 273/1004 in sector.
$47.65
0.34%
As of March 13, 2026
Previous close • Vol 90d: 22.6%
52-Week Range
Market Cap
$7.02B
Enterprise Value
$9.22B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.commercebank.com
HQ Kansas City, MO
Employees 4,577
Fiscal year Dec 31

Next Events

Dividend Mar 24
Earnings Apr 21

Fair Value Snapshot

Bear Base Bull
$16
$28
$53
Current: $47.65 -41% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$1.5B
6.4%%
Interest Expense
$371.9M
Net Interest Income
$1.0B
4.2%%
Total Revenue
$2.1B
28.6%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
15.8%
Excellent

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$357.8M
68.6% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
1
Active Leaks
1/1
Improving
0
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Commerce Bancshares, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
77
/100
Strong
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Strong
90
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing CBSH's balance between Growth (15.2%), Profitability (41.6%), and Safety (43.2%). Growth 15% Safety 43% Profitability 42%

Click axes to expand details. Marker shows current allocation.

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Growth

32th percentile vs peers
33
Key Signals
Asset Growth YoY 2.9% 43p Rev Growth YoY 28.6% 26p Revenue CAGR 3Y 12.3% 28p
Strengths
  • Roe in top 20% of peers (16.8%, 95th percentile)
  • Roa in top 20% of peers (1.7%, 90th percentile)
  • Operating Margin in top 20% of peers (34.2%, 85th percentile)
Risks
  • Growth below peer median (percentile: 32)

Profitability

89th percentile vs peers
89
Key Signals
Strengths
Risks
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Safety

92th percentile vs peers
93
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Commerce Bancshares, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$28.04
- - -
-41.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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