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CBSH Stock Chart & Stats
$51.13
$0.23(0.36%)
At close: 4:00 PM EST
$51.13
$0.23(0.36%)
Day’s Range― - ―
52-Week Range$46.99 - $62.42
Previous CloseN/A
Volume80.44K
Average Volume (3M)1.34M
Market Cap
$8.62B
Enterprise Value$10.17K
Total Cash (Recent Filing)$9.22B
Total Debt (Recent Filing)$2.58B
Price to Earnings (P/E)14.2
Beta0.63
Next Earnings
Oct 20, 2026EPS Estimate
1.08Next Dividend Ex-DateN/A
Dividend Yield1.85%
Share Statistics
EPS (TTM)4.20
Shares Outstanding145,777,160
10 Day Avg. Volume1,260,102
30 Day Avg. Volume1,338,811
Financial Highlights & Ratios
PEG Ratio2.49
Price to Book (P/B)1.92
Price to Sales (P/S)3.40
P/FCF Ratio12.27
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$64.29Price Target Upside25.73% Upside
Rating ConsensusHold
Number of Analyst Covering7
EPS Forecast (FY)4.23
Revenue Forecast (FY)$1.98B
Bulls Say, Bears Say
Bulls Say
Consistent Profitability And ROECommerce Bancshares' trailing profitability (net margin ~26%) and steady ROE (~15%) reflect durable operating efficiency in core lending, deposit and wealth businesses. Sustained margins and attractive ROE support internal capital generation, dividend capacity and reinvestment over the medium term.
Improving Capital Structure / LeverageThe decline in debt-to-equity toward ~0.60 and a rising equity base indicates a materially more conservative leverage profile than prior years. Lower leverage increases resilience to credit stress, provides balance-sheet flexibility for lending or buybacks, and reduces sensitivity to tightening credit conditions.
Strong Free Cash Flow GenerationHigh free cash flow conversion (FCF/NI ~0.89) and strong FCF growth (~52% TTM) demonstrate reliable cash generation from operations. That cash supports capital returns, strategic reinvestment and buffer for provisions, underpinning durable shareholder-friendly capital allocation options.
Bears Say
Modest Revenue GrowthRevenue expansion has been modest recently (TTM ~3.2%, 2025 ~2.2%), limiting scalability of earnings absent margin expansion. For a regional bank, slow top-line growth raises reliance on net interest margin improvement or fee diversification to drive sustainable long-term EPS gains.
Normalization / Pressure Vs Peak MarginsMargins and profitability have eased from 2021–2022 peaks, signaling normalization after a favorable rate/credit mix period. This suggests structural headwinds in returning to prior peak margins, making future EPS gains more dependent on active balance-sheet repricing or cost efficiencies.
Portfolio Repositioning Adds Earnings/Capital VolatilityManagement's plan to sell ~$911M of available-for-sale securities to reinvest at higher yields will produce a near-term pre-tax loss (~$95M) and ongoing fair-value marking on Visa Class C shares. These moves improve NII long-term but introduce near-term earnings and capital volatility and execution risk.
Commerce Bancshares News
CBSH FAQ
What was Commerce Bancshares’s price range in the past 12 months?
Commerce Bancshares lowest stock price was $46.98 and its highest was $62.42 in the past 12 months.
What is Commerce Bancshares’s market cap?
Commerce Bancshares’s market cap is $8.62B.
When is Commerce Bancshares’s upcoming earnings report date?
Commerce Bancshares’s upcoming earnings report date is Oct 20, 2026 which is in 91 days.
How were Commerce Bancshares’s earnings last quarter?
Commerce Bancshares released its earnings results on Jul 16, 2026. The company reported $1.1 earnings per share for the quarter, beating the consensus estimate of $1.059 by $0.041.
Is Commerce Bancshares overvalued?
According to Wall Street analysts Commerce Bancshares’s price is currently Undervalued.
Does Commerce Bancshares pay dividends?
Commerce Bancshares pays a Quarterly dividend of $0.275 which represents an annual dividend yield of 1.85%. See more information on Commerce Bancshares dividends here
What is Commerce Bancshares’s EPS estimate?
Commerce Bancshares’s EPS estimate is 1.08.
How many shares outstanding does Commerce Bancshares have?
Commerce Bancshares has 145,777,160 shares outstanding.
What happened to Commerce Bancshares’s price movement after its last earnings report?
Commerce Bancshares reported an EPS of $1.1 in its last earnings report, beating expectations of $1.059. Following the earnings report the stock price went up 2.132%.
Which hedge fund is a major shareholder of Commerce Bancshares?
Currently, no hedge funds are holding shares in CBSH
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Commerce Bancshares Stock Smart Score
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$64.29 (25.73% Upside)
$64.29 (25.73% Upside)
Blogger Sentiment
Bullish
CBSH Sentiment 70%
Sector Average 63%
Sector Average 63%
Hedge Fund Trend
Increased
By 375.8K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $11.0K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Positive
Last 7 Days ▼ 3.7%
Last 30 Days ▲ 8.5%
Last 30 Days ▲ 8.5%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
-1.41%
12-Months-Change
Fundamentals
Return on Equity
1.85%
Trailing 12-Months
Asset Growth
9.25%
Trailing 12-Months
Company Description
Commerce Bancshares
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.
CBSH Stock 12 Month Forecast
Average Price Target
$64.29
▲(25.73% Upside)
Technical Analysis
Ownership Overview
3.33% Insiders
19.72% Mutual Funds
0.50% Other Institutional Investors
50.34% Public Companies and Individual Investors