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CBSH

BUY

Commerce Bancshares, Inc. · Financial Services · United States · $8.5B · Avg Vol: $80M/d

73
StockRank
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Q
65
V
33
M
68
P/E (TTM)
14.5x
ROE
14.7%
D/E
0.0x
Dividend %
1.8%

COMPANY DESCRIPTION

Commerce Bancshares, Inc. is a diversified regional bank holding company providing a full range of retail, commercial, investment, and wealth management services, primarily across the Midwest United States. Its competitive moat is built on conservative lending practices, strong customer relationships, and a reputation for consistent financial performance over many decades. The company maintains a leading market position within its core operating geographies.

FINANCIAL SUMMARY (USD)

Year2022202320242025CAGRTTM2026E2027EFwd CAGR
Revenue1.5B1.6B1.7B1.8B5.4%1.8B2.0B2.1B7.7%
EPS3.333.303.704.046.6%4.064.294.586.5%
Shares145.0M143.8M141.1M137.7M-5.0%143.9M
Debt9.7M1.4M56.0K12.8M9.8%
Equity2.5B2.9B3.3B3.8B15.4%
Op CF559.4M488.8M577.9M645.1M4.9%645.1M
Inv CF242.3M2.2B483.8M-462.4M
Fin CF-4.2B-883.1M-372.9M-11.0M
Loading 1Y...
PRICE (1Y)+9.7%
54.7256.0457.3658.6960.01Jun 15Jul 8Jul 28
SMA 50SMA 200
Close
$60.01
RSI (14)
70.4
52W High
$60.76
From 52W High
1.0%

SCORE BREAKDOWN

Quality
65
ROIC (ROA)
1.7%*52.7
ROE
14.7%73.8
GP/Assets
5.6%N/A
Op. Margin
45.1%65.9
FCF/Assets
3.5%N/A
Piotroski
683.6
Int. Cover
50.0
D/E Ratio
0.00xN/A
Current Ratio
bankN/A
Value
33
P/E (TTM)
14.5x42.9
EV/EBITDA
bankN/A
P/FCF
7.4xN/A
P/B
1.9x25.6
P/S
4.6x40.5
Div Yield
1.8%18.1
Momentum
68
52W High %
99%85.6
RS 6M
7%70.2
SMA 50/200
1.06x63.5
EPS Rev 4W
+3.0%94.3
EPS Rev 12W
+4.6%87.0
EPS Improve
+11%33.8
Q Growth
5%36.8

FUNDAMENTALS

Market Cap
$8.5B
P/E (Forward)
13.0x
Gross Margin

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of CBSH are excluded.

TickerCompanyMkt CapStockRankSignal
CBSHCommerce Bancshares, Inc.(you)$8.5B73BUY
CFRCullen/Frost Bankers, Inc.$10.3B75BUY
VLYValley National Bancorp$7.9B78BUY
SSBSouthState Bank Corporation$10.3B70BUY
PBProsperity Bancshares, Inc.$8.8B66BUY
FNBF.N.B. Corporation$6.8B70BUY
COLBColumbia Banking System, Inc.$8.8B65BUY
BOKFBOK Financial Corporation$8.6B65HOLD
AUBAtlantic Union Bankshares Corporation$6.0B71BUY
HOMBHome BancShares, Inc.$6.2B77BUY

Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%

Commerce Bancshares, Inc. (CBSH) — Stock Score Summary

Commerce Bancshares, Inc. (CBSH) has a MoatMap StockRank of 73/100 based on Quality (65/100), Value (33/100), and Momentum (68/100) factor scores. The current signal is BUY.

Commerce Bancshares, Inc. is a diversified regional bank holding company providing a full range of retail, commercial, investment, and wealth management services, primarily across the Midwest United States. Its competitive moat is built on conservative lending practices, strong customer relationships, and a reputation for consistent financial performance over many decades. The company maintains a leading market position within its core operating geographies.

Key Financial Metrics

Price$60.01
Market Cap$8.5B
P/E (TTM)14.48
P/E (Forward)13.04
Price/Book1.94
Return on Equity14.7%
Debt/Equity0.00x
Operating Margin45.1%
Revenue Growth14.2%
Dividend Yield1.8%
Free Cash Flow$1.1B

Commerce Bancshares, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Commerce Bancshares, Inc.’s (CBSH) StockRank?
MoatMap’s StockRank for Commerce Bancshares, Inc. (CBSH) is 73/100, with a Buy signal. It is a composite of Quality (65), Value (33), and Momentum (68) factor ranks across MoatMap’s 20,000+ stock universe.
Does Commerce Bancshares, Inc. have an economic moat?
Commerce Bancshares, Inc. (CBSH) has a Quality factor score of 65/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Commerce Bancshares, Inc. a buy, hold, or sell?
MoatMap’s current signal for Commerce Bancshares, Inc. (CBSH) is Buy, based on a StockRank of 73/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Commerce Bancshares, Inc. in?
Commerce Bancshares, Inc. (CBSH) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).