CBSH

Commerce Bancshares, Inc.

Financial Services · USD

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Price alert · CBSH

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55.06 USD -0.54 -0.97%
As of Oct 30, 2026 Extended hours 55.06 0.00%
Bid
55.08 × 2
Ask
55.09 × 2
54.98 Day range 56.16
47.49 52-week range 60.33
YTD
+5.20%
1 year
+10.52%
Open
56.00
Prev close
55.60
Mkt cap
7.82B
Vol
1.05M
Avg vol
953.26K
EPS
4.15
P/E
13.27
Div yield
1.98%
More statistics
Low
54.98
High
56.16
Forward P/E
11.98
Beta
0.59
Short ratio
6.56
Inst. own
79.20%
Dividend
1.10
Ex-div date
Sep 3, 2026
Earnings
Jan 21, 2027
50-d avg
56.47
200-d avg
54.41
1y target
64.39

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Financial health

Altman Z-Score

-0.32 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 3
  • Return on Equity 4
  • Return on Assets 4
  • Debt / Equity 3
  • P/E 2
  • P/B 2

Valuation

P/E 12.8×
FY 2016: 21.1×FY 2017: 18.3×FY 2018: 14.2×FY 2019: 18.0×FY 2020: 21.5×FY 2021: 15.2×FY 2022: 16.8×FY 2023: 14.0×FY 2024: 15.3×FY 2025: 12.8×
FY 2016 5y median 15.2× FY 2025
P/S 3.4×
FY 2016: 4.8×FY 2017: 4.5×FY 2018: 4.3×FY 2019: 5.1×FY 2020: 5.3×FY 2021: 5.5×FY 2022: 5.2×FY 2023: 3.4×FY 2024: 3.8×FY 2025: 3.4×
FY 2016 5y median 3.8× FY 2025
P/B 1.9×
FY 2016: 2.2×FY 2017: 2.1×FY 2018: 2.0×FY 2019: 2.4×FY 2020: 2.2×FY 2021: 2.3×FY 2022: 3.3×FY 2023: 2.2×FY 2024: 2.4×FY 2025: 1.9×
FY 2016 5y median 2.3× FY 2025
P/FCF 12.3×
FY 2016: 13.0×FY 2017: 14.4×FY 2018: 11.5×FY 2019: 15.8×FY 2020: 12.4×FY 2021: 14.8×FY 2022: 16.5×FY 2023: 16.5×FY 2024: 15.0×FY 2025: 12.3×
FY 2016 5y median 15.0× FY 2025
EV/EBITDA 12.0×
FY 2016: 15.1×FY 2017: 14.3×FY 2018: 11.6×FY 2019: 14.7×FY 2020: 15.0×FY 2021: 9.2×FY 2022: 14.9×FY 2023: 10.2×FY 2024: 10.3×FY 2025: 12.0×
FY 2016 5y median 10.3× FY 2025
EV/Sales 4.4×
FY 2016: 5.7×FY 2017: 5.3×FY 2018: 4.8×FY 2019: 5.8×FY 2020: 5.2×FY 2021: 4.7×FY 2022: 6.5×FY 2023: 3.5×FY 2024: 3.6×FY 2025: 4.4×
FY 2016 5y median 4.4× FY 2025
FCF Yield 8.1%
FY 2016: 7.7%FY 2017: 7.0%FY 2018: 8.7%FY 2019: 6.3%FY 2020: 8.0%FY 2021: 6.8%FY 2022: 6.1%FY 2023: 6.1%FY 2024: 6.7%FY 2025: 8.1%
FY 2016 5y median 6.7% FY 2025

Profitability

Gross Margin 80.0%
FY 2016: 94.0%FY 2017: 93.0%FY 2018: 92.2%FY 2019: 89.4%FY 2020: 87.0%FY 2021: 103.7%FY 2022: 94.6%FY 2023: 78.7%FY 2024: 77.9%FY 2025: 80.0%
FY 2016 5y median 80.0% FY 2025
Operating Margin 34.2%
FY 2016: 34.6%FY 2017: 34.1%FY 2018: 39.1%FY 2019: 36.6%FY 2020: 31.7%FY 2021: 47.7%FY 2022: 40.4%FY 2023: 31.5%FY 2024: 32.5%FY 2025: 34.2%
FY 2016 5y median 34.2% FY 2025
Net Margin 26.5%
FY 2016: 23.7%FY 2017: 25.3%FY 2018: 31.2%FY 2019: 29.0%FY 2020: 25.5%FY 2021: 36.9%FY 2022: 31.2%FY 2023: 24.2%FY 2024: 25.1%FY 2025: 26.5%
FY 2016 5y median 26.5% FY 2025
ROE 14.9%
FY 2016: 11.0%FY 2017: 11.8%FY 2018: 14.8%FY 2019: 13.4%FY 2020: 10.4%FY 2021: 15.4%FY 2022: 19.8%FY 2023: 16.2%FY 2024: 15.9%FY 2025: 14.9%
FY 2016 5y median 15.9% FY 2025
ROIC 4.2%
FY 2016: 6.1%FY 2017: 7.3%FY 2018: 8.5%FY 2019: 7.6%FY 2020: 5.9%FY 2021: 7.9%FY 2022: 8.8%FY 2023: 7.7%FY 2024: 8.0%FY 2025: 4.2%
FY 2016 5y median 7.9% FY 2025
ROA 1.7%
FY 2016: 1.1%FY 2017: 1.3%FY 2018: 1.7%FY 2019: 1.6%FY 2020: 1.1%FY 2021: 1.4%FY 2022: 1.5%FY 2023: 1.5%FY 2024: 1.6%FY 2025: 1.7%
FY 2016 5y median 1.5% FY 2025

Growth (YoY)

Revenue 2.2%
FY 2016: 3.8%FY 2017: 9.0%FY 2018: 10.0%FY 2019: 4.5%FY 2020: -4.4%FY 2021: 3.5%FY 2022: 8.8%FY 2023: 25.8%FY 2024: 6.3%FY 2025: 2.2%
FY 2016 FY 2025
Operating Income 7.7%
FY 2016: 4.5%FY 2017: 7.3%FY 2018: 26.4%FY 2019: -2.3%FY 2020: -17.0%FY 2021: 55.6%FY 2022: -7.9%FY 2023: -2.0%FY 2024: 9.6%FY 2025: 7.7%
FY 2016 FY 2025
EPS (diluted) 5.4%
FY 2016: 7.3%FY 2017: 15.8%FY 2018: 37.6%FY 2019: -0.4%FY 2020: -14.9%FY 2021: 55.6%FY 2022: -6.2%FY 2023: -0.6%FY 2024: 11.5%FY 2025: 5.4%
FY 2016 FY 2025
Free Cash Flow 11.4%
FY 2016: 67.4%FY 2017: -8.1%FY 2018: 31.3%FY 2019: -9.5%FY 2020: 25.7%FY 2021: -8.4%FY 2022: -8.7%FY 2023: -18.9%FY 2024: 32.7%FY 2025: 11.4%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 0.5×FY 2017: 0.4×FY 2018: 0.4×FY 2019: 0.4×FY 2020: 0.5×FY 2021: 0.6×FY 2022: 0.5×FY 2023: 0.4×FY 2024: 0.4×FY 2025: 0.0×
FY 2016 5y median 0.4× FY 2025
Quick Ratio 0.0×
FY 2016: 0.5×FY 2017: 0.4×FY 2018: 0.4×FY 2019: 0.4×FY 2020: 0.5×FY 2021: 0.6×FY 2022: 0.5×FY 2023: 0.4×FY 2024: 0.4×FY 2025: 0.0×
FY 2016 5y median 0.4× FY 2025
Debt / Equity 0.8×
FY 2016: 0.7×FY 2017: 0.6×FY 2018: 0.7×FY 2019: 0.6×FY 2020: 0.6×FY 2021: 0.9×FY 2022: 1.2×FY 2023: 1.0×FY 2024: 0.9×FY 2025: 0.8×
FY 2016 5y median 0.9× FY 2025
Net Debt / EBITDA 2.8×
FY 2016: 2.4×FY 2017: 2.2×FY 2018: 1.3×FY 2019: 1.7×FY 2020: -0.2×FY 2021: -1.7×FY 2022: 3.0×FY 2023: 0.3×FY 2024: -0.6×FY 2025: 2.8×
FY 2016 5y median 0.3× FY 2025
Interest Coverage 2.0×
FY 2016: 12.2×FY 2017: 9.8×FY 2018: 8.3×FY 2019: 5.1×FY 2020: 10.3×FY 2021: 53.3×FY 2022: 11.1×FY 2023: 1.6×FY 2024: 1.6×FY 2025: 2.0×
FY 2016 5y median 2.0× FY 2025

Dividends

Dividend Yield 2.1%
FY 2016: 1.7%FY 2017: 1.8%FY 2018: 1.8%FY 2019: 1.6%FY 2020: 1.7%FY 2021: 1.5%FY 2022: 1.6%FY 2023: 2.0%FY 2024: 1.8%FY 2025: 2.1%
FY 2016 5y median 1.8% FY 2025
Payout Ratio 26.5%
FY 2016: 34.9%FY 2017: 31.5%FY 2018: 25.2%FY 2019: 29.1%FY 2020: 36.0%FY 2021: 23.1%FY 2022: 26.1%FY 2023: 28.2%FY 2024: 27.6%FY 2025: 26.5%
FY 2016 5y median 26.5% FY 2025

Annual · latest fiscal year ends 2025-12-31