Commerce Bancshares, Inc.(CBSH) Stock Research - Grey Stern Research

Commerce Bancshares, Inc. (CBSH) Stock Analysis

$60.82 (0.43%)

CBSH Financial Performance


Use the table below to view Commerce Bancshares, Inc.'s financial profile. This data is gathers from the latest available financial statements. Annual data is taken from the trailing 12 months of statements. All numbers are reported in US Dollars and so any foreign currencies are converted to USD so comparison's can be done.

Based on Financial Statements from Q4 - 2024

Metric Value Ranking among Peers
Price $60.56 -
52 Week Low $49.97 -
52 Week High $72.75 -
Market Cap $8.1 Billion 1/21
Gross Margin 100% 1/21
Profit Margin 32% 4/21
EBITDA margin 0% 1/21
Q4 - 2024 Revenue $423.1 Million 3/21
Q4 - 2024 Earnings $136.1 Million 2/21
Q4 - 2024 Free Cash Flow -$150.7 Million 15/21
Trailing 4 Quarters Revenue $2.0 Billion 3/21
Trailing 4 Quarters Earnings $526.3 Million 1/21
Quarterly Earnings Growth 25% 11/21
Annual Earnings Growth 12% 8/21
Quarterly Revenue Growth -18% 12/21
Annual Revenue Growth 16% 12/21
Cash On Hand $3.4 Billion 2/21
Short Term Debt $0 7/21
Long Term Debt $56,000 17/21

Commerce Bancshares, Inc. Financial Metrics


Financial metrics are a set of useful numbers that can give key performance indicators of a company. The various metrics can include information about profitability, growth, and debt load. When combined and use properly they can tell an analyst a compelling fact-based story of how the company is currently performing. To compare Commerce Bancshares, Inc.'s metrics versus it's peers make sure to run our peer analysis tool.

Valuation Metrics

Metric Value Ranking among Peers
PE 15.43 9/21
PS 4.10 4/21
PB 2.44 2/21
PC 2.41 14/21
Liabilities to Equity 8.66 9/21
ROA 0.02 1/21
ROE 0.16 1/21
Current Ratio 1.12 9/21
Quick Ratio 0.44 1/21
Long Term Debt to Equity 0.00 17/21
Debt to Equity 0.00 17/21
Burn Rate -24.78 17/21
Cash to Cap 0.42 7/21
CCR -1.11 15/21
EV to EBITDA -1.00 1/21
EV to Revenue -1.00 1/21

Company Details

Commerce 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.

CEO: Mr. John Kemper

Website: https://www.commercebank.com

Address: 1000 Walnut St Kansas City, MISSOURI

Exchange: NASDAQ Global Select

Industry: Banks—Regional

Commerce Bancshares, Inc. Peer Analysis


A useful and more reliable way of seeing the health of a company is to compare it to other companies operating in the same sector. Below is our list of companies which we rank are the closest peers to Commerce Bancshares, Inc.. If you feel that peers should be added or removed from this list please contact us. To run an in-depth peer analysis which compares many financial metrics click on the link below.

Stock Ticker Market Cap
Texas Capital Bancshares, Inc. TCBI $3.1 Billion
UMB Financial Corporation UMBF $7.0 Billion
First Financial Bancorp. FFBC $2.2 Billion
Capitol Federal Financial, Inc. CFFN $756.9 Million
United Bankshares, Inc. UBSI $4.9 Billion
Berkshire Hills Bancorp, Inc. BHLB $1.1 Billion
Prosperity Bancshares, Inc. PB $6.4 Billion
Glacier Bancorp, Inc. GBCI $4.6 Billion
BOK Financial Corporation BOKF $5.9 Billion
First Bancorp FBNC $1.7 Billion
NBT Bancorp Inc. NBTB $2.0 Billion
First Financial Bankshares, Inc. FFIN $4.8 Billion
Mercantile Bank Corporation MBWM $679.3 Million
First Mid Bancshares, Inc. FMBH $802.9 Million
BancFirst Corporation BANF $3.9 Billion
Cambridge Bancorp CATC $0
Colony Bankcorp, Inc. CBAN $269.4 Million
Fidelity D & D Bancorp, Inc. FDBC $223.6 Million
Meridian Corporation MRBK $156.8 Million
Business First Bancshares, Inc. BFST $672.2 Million
Run Peer Analysis
Income Statement
Balance Sheet
Cash Flow Statement
CBSH Income Statements
Quarter Year Revenue Earnings
Q4 2024 $ 423.1 Million $136.1 Million
Q3 2024 $ 535.0 Million $138.0 Million
Q2 2024 $ 524.8 Million $139.6 Million
Q1 2024 $ 499.9 Million $112.7 Million
Q4 2023 $ 515.1 Million $109.2 Million
Q3 2023 $ 395.8 Million $120.6 Million
Q2 2023 $ 400.5 Million $127.8 Million
Q1 2023 $ 388.9 Million $119.5 Million

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CBSH Balance Sheets
Quarter Year Cash & Equivalents Total Assets Total Debt Total Equity
Q4 2024 $3.4 Billion $32.0 Billion $56,000 $3.3 Billion
Q3 2024 $507.9 Million $31.5 Billion $2.2 Billion $3.5 Billion
Q2 2024 $329.7 Million $30.6 Billion $2.6 Billion $3.2 Billion
Q1 2024 $1.9 Billion $30.4 Billion $2.5 Billion $3.0 Billion
Q4 2023 $443.1 Million $31.7 Billion $2.9 Billion $3.0 Billion
Q3 2023 $2.2 Billion $31.4 Billion $503.6 Million $2.6 Billion
Q2 2023 $2.9 Billion $32.8 Billion $1.0 Billion $2.7 Billion
Q1 2023 $1.7 Billion $32.0 Billion $1.5 Billion $2.7 Billion

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CBSH Cash Flow Statements
Quarter Year freeCashFlow capitalExpenditure netChangeInCash
Q4 2024 -$150.7 Million -$14.0 Million $225.9 Million
Q3 2024 $439.7 Million $19.5 Million $605.3 Million
Q2 2024 $111.9 Million -$8.5 Million $644.1 Million
Q1 2024 $162.9 Million -$11.0 Million -$786.6 Million
Q4 2023 $319.8 Million $51.9 Million -$251.1 Million
Q3 2023 $0 $0 $0
Q2 2023 $73.0 Million -$31.9 Million $1.2 Billion
Q1 2023 $96.0 Million -$20.0 Million $822.3 Million

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