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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 Framework: Banks & Lenders Mid Cap
Commerce Bancshares, Inc. (CBSH), is a Mid Cap company, in the Banks - Regional industry, last closed at $58.70, about 48.6% overvalued vs fair value, +0.3% 1Y return, ranked 684/1078 in sector.
Metrics P/E 13.0× Rev Growth 6.3% ROE 16.0% Gross Margin 96.8% Div Yield 2.06%
USD 58.70
0.57%
(Delayed)
• Vol 90d: 16.8%
52-Week Range
Market Cap
$8.49B
Enterprise Value
$4.66B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Excellent
Valuation
Fair
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Excellent
Valuation
Fair
Completeness: 82%
Confidence: 85%
Updated: Jul 5
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 Jun 23
Earnings Jul 16

Fair Value Snapshot

Bear Base Bull
$17
$30
$57
Current: $58.70 -49% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$1.5B
1%%
Interest Expense
$371.9M
Net Interest Income
$1.1B
6.9%%
Total Revenue
$1.8B
6.3%%
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
14.8%
Good

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
63.8% 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
81
/100
Strong
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Strong
86
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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 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing CBSH's balance between Growth (23.3%), Profitability (40.5%), and Safety (36.2%). Growth 23% Safety 36% Profitability 41%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

45th percentile vs peers
45
Key Signals
Equity Growth YoY 14.5% 74p Asset Growth YoY 2.9% 39p NII Growth YoY 6.9% 38p EPS Growth YoY 9.3% 37p
Strengths
  • ROTE in top 20% of peers (17.7%, 83th percentile)
  • ROE in top 20% of peers (16.0%, 88th percentile)
  • ROA in top 20% of peers (1.7%, 86th percentile)
  • Debt/Assets in top 20% of peers (0.0%, 99th percentile)
  • D/E Ratio in top 20% of peers (0.3%, 98th percentile)
Risks

No significant risks identified for this axis.

Profitability

78th percentile vs peers
78
Key Signals
Strengths
Risks
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Safety

69th percentile vs peers
70
Key Signals
Strengths
Safety drilldowns are available to premium members.

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
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Bear
-
- - -
- upside
-
Base
$30.19
- - -
-48.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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