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Commerce Bancshares, Inc.
CBSH: NasdaqGSLowest reading is at 35 out of 100. All scores are out of 100.
In Short
About The Company
CEO
Mr. John W. Kemper
Market Cap
8.10 Billion USD
Sector
Financial Services
Website
https://www.commercebank.comLast Update
27/09/2026, 17:40:10
Description
Commerce Bancshares, Inc.
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Strongest readings
- ✔Debt is low at 0.01 times equity
- ✔Financial health is strong (health score 68 out of 100)
- ✔Price-to-earnings of 13.7 is below the market average of 19.6
Weakest readings
- ✘The current price sits above estimated fair value (margin of safety -45.87%)
- ✘Earnings and cashflow growth is weak (growth score 37 out of 100)
- ✘Share count has been rising at 0.85% per year
Key Figures
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings (TTM) | 13.67x | 19.60x | |
| ✘ | Margin of safety (DCF) | -45.87% | 17.95% | |
Revenue growth (5y average) | N/A | 10.97% | ||
| ✔ | Dividend yield (TTM) | 1.93% | 1.85% | |
| ✘ | Share count, per year | 0.85% | 0.00% | |
| Return on capital employed | N/A | 10.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Valuation
65 / 100Priced at or below the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings | 13.67x | 19.60x | |
| ✔ | Free cashflow yield | 14.99% | 4.70% | |
| ✔ | Price / earnings growth | 0.94x | 1.50x | |
| Price / book | 1.85x | — | ||
| ✘ | Margin of safety | -45.87% | 17.95% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Estimated intrinsic value of 30.55 USD is below the current price of 56.44 USD
Desired Margin Of Safety
0%
▼
Tip: Set your desired Margin Of Safety
Free Cash Flow Type
Annual Cashflow Growth
0%
Discount Rate
0%
Estimated Fair Value: 56.9 USD ✔
Current Price: 56.4 USD
How Does This Work?
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This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated fair value for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel for the impact this has on longterm investment returns and find a margin of safety you are comfortable with.
Growth
37 / 100Growing more slowly than the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
Revenue growth | N/A | 10.97% | ||
| ✘ | Earnings growth | 0.00% | 14.48% | |
| ✔ | Cashflow growth | 12.70% | 12.35% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Free cashflow growth has improved this year
Health
68 / 100Balance sheet covers its obligations.
Measured on Leverage and capital, Funding and liquidity, Earnings quality, Asset quality.
| Status | Metric | Value | Reading | Threshold |
|---|---|---|---|---|
| ✔ | Debt / equity | 0.01x | 0.80x | |
| ✔ | Debt / total capital | 0.01x | 1.00x | |
| Equity / assets | 12.36% | — | ||
| Loans / deposits | 0.75x | — | ||
| Net interest margin | 0.89% | — | ||
| Loan-loss cover | 0.94% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Dividend
62 / 100Covered, with limited headroom.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Dividend yield | 1.93% | 1.85% | |
| ✘ | Dividend growth | -2.71% | 0.00% | |
| ✔ | Payout ratio (earnings) | 26.71% | 40.00% | |
| ✔ | Payout ratio (cashflow) | 12.84% | 65.00% | |
| Worst year, last 5 years | N/A | -2.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Dividend growth has been slowing recently
Management
35 / 100Returns on capital are below the market.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Return on equity | 3.67% | 15.00% | |
| Return on capital employed | N/A | 10.00% | ||
| Return on assets | 0.45% | — | ||
| Free cashflow return on capital | 0.48% | — | ||
| Return on capital, 5y change | N/A | 0.00% | ||
| ✘ | Share count, per year | 0.85% | 0.00% | |
| ✔ | Share count, recent | -1.26% | 0.00% | |
| ✘ | Realized buyback return | -86.80% | 0.00% | |
| ✔ | Goodwill erosion / equity | 0.00% | 2.00% | |
| Price volatility, 5 year | 24.02% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘New shares were issued while the value score was 65 out of 100
Analysts
not enough data| Status | Metric | Value | Reading | Neutral |
|---|---|---|---|---|
| Analyst opinion score | N/A | 50 |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Financial History
Annual figures across the full reporting history we hold.
Market Peers
CBSH
SEC Filings
Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.
See 35+ Years Annual ReportsOther Information
Company Name
Commerce Bancshares, Inc.
Currency
USD
Beta
0.578
Vol Avg
1076679
Ceo
Mr. John W. Kemper
Cik
0000022356
Cusip
Exchange
NasdaqGS
Full Time Employees
4976
Industry
Banks - Regional
Sector
Financial Services
Ipo Date
Address
1000 Walnut
City
Kansas City
State
MO
Country
United States
Zip
64106
Phone
816 234 2000
Analysis Last Updated
27/09/2026, 17:40:10
Financial data compiled from SEC EDGAR filings and Yahoo Finance.