CBSH logo

COMMERCE BANCSHARES INC

CBSHNASDAQ
πŸ† #996 by market capEarnings Oct 14US Equity
$55.33β–Ό $0.54 (βˆ’0.98%)
πŸŒ™ After hours$55.33β–² 0.00%Regular close Β· extended-hours price shown
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24hβ–Ό 1.0%
7dβ–Ό 0.4%
14dβ–Ό 3.4%
30dβ–Ό 4.1%
ytdβ–² 5.8%
1yβ–Ό 7.4%
🏦Market Cap
$8.07B
Small Cap
πŸ“ˆRevenue Growth (YoY)
+2.2%
Slowing
πŸ“ŠGross Margin
80.2%
High
πŸ’΅FCF Margin
54.9%
Strong
βš–οΈP/S Ratio
3.7x
Fair
Otter Score
44
Weak

Trading Snapshot

Day Range
$54.87 – $56.41
52-Week Range
$46.99 – $60.92
Volume
$3.10B
Avg Volume
$3.11B
Shares Outstanding
145.8M
Next Earnings
Nov 16, 2026

Fundamentals Snapshot

Annual Revenue
$2.14B
Last Q Revenue
$499M
P/E Ratio
13.5
P/S Ratio
3.7x
EPS (TTM)
$4.04
Dividend Yield
1.98%
Dilution (1yr)
+2.9%

Why Investors Own CBSH

  • βœ“High-growth profile β€” revenue up -5.3% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 26% gross margin and 5% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

CBSH logo

COMMERCE BANCSHARES INC

CBSH
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$2.1Bβ–² +2.2% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
80.0%β–² +2.7% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$732Mβ–² +7.7% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$592Mβ–² +11.4% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
137.6Mβ–² +2.9% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$2.2Bβ–Ό βˆ’$2.6B YoY
StockOtter Β· stockotter.space

About COMMERCE BANCSHARES INC

Commerce Bancshares, Inc. functions as the parent organization for Commerce Bank, delivering a comprehensive suite of financial products and services. These offerings span retail banking, mortgage services, corporate finance, investment solutions, trust administration, and asset management, catering to both individuals and businesses across the United States. Its operational structure is divided into three principal divisions: Consumer, Commercial, and Wealth Management. The Consumer division focuses on individual clients, providing essential banking services such as deposit accounts and a diverse range of personal loans. These include financing for automobiles, motorcycles, marine vehicles, tractor/trailers, recreational vehicles, fixed-rate and revolving home equity loans, and other personal credit products. This segment also facilitates patient healthcare funding, real estate loans, various indirect consumer financing options, personalized mortgage banking, installment lending, and consumer debit and credit cards. The Commercial segment offers robust support to businesses and institutional clients through corporate lending, equipment leasing, international banking, merchant and commercial card services, and secure securities safekeeping with bond accounting. It also manages specific business products, government deposit accounts, and extensive commercial cash management solutions. Additionally, this segment trades fixed-income securities to correspondent banks, corporate entities, public institutions, municipalities, and individual investors. Within the Wealth Management division, the company delivers traditional trust and estate planning, expert advisory and discretionary investment portfolio management, brokerage services, and exclusive private banking accounts. Beyond these core segments, Commerce Bancshares further offers private equity investment opportunities, securities brokerage, insurance agency functions, specialized lending, and additional leasing services. It also ensures convenient access to banking through its online and mobile platforms. The company maintains a significant physical presence with 287 branch locations distributed across Missouri, Kansas, Illinois, Oklahoma, and Colorado, complemented by several dedicated commercial offices. Established in 1865, Commerce Bancshares, Inc. is headquartered in Kansas City, Missouri.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Weak
44/100

Analyst Ratings

β“˜
Consensus
Buy
16 analysts
Strong Buy2
Buy4
Hold10
Sell0
Strong Sell0
Ratings as of Sep 2026

Latest News & Updates

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Defense WorldΒ·15d ago

California State Teachers Retirement System Buys 8,894,384 Shares of Commerce Bancshares, Inc. $CBSH

California State Teachers Retirement System lifted its stake in shares of Commerce Bancshares, Inc. (NASDAQ: CBSH) by 5,296.8% during the second quarter, according to the company in its most recent Form 13F filing with t

Defense WorldΒ·18d ago

Concurrent Investment Advisors LLC Sells 30,329 Shares of Commerce Bancshares, Inc. $CBSH

Concurrent Investment Advisors LLC lessened its stake in Commerce Bancshares, Inc. (NASDAQ: CBSH) by 66.6% during the undefined quarter, according to its most recent disclosure with the Securities and Exchange Commission

Defense WorldΒ·20d ago

Financial Comparison: Commerce Bancshares (NASDAQ:CBSH) versus Merchants Bancorp (NASDAQ:MBIN)

Merchants Bancorp (NASDAQ: MBIN - Get Free Report) and Commerce Bancshares (NASDAQ: CBSH - Get Free Report) are both mid-cap finance companies, but which is the better stock? We will compare the two businesses based on t

Zacks Investment ResearchΒ·21d ago

Will CBSH's Expansion Initiatives Accelerate Top-Line Growth?

Common Bancshares's expansion is broadening its revenue base as loan growth lifts NII and acquisitions expand wealth management and investment banking.