What is Commerce Bancshares, Inc.'s (CBSH) StockRank?

MoatMap's StockRank for Commerce Bancshares, Inc. (CBSH) is 73/100, with a Buy signal. This is a composite score combining 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 financial 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).

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CBSH

BUY

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

StockRank

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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)

Year	2022	2023	2024	2025	CAGR	TTM	2026E	2027E	Fwd CAGR
Revenue	1.5B	1.6B	1.7B	1.8B	5.4%	1.8B	2.0B	2.1B	7.7%
EPS	3.33	3.30	3.70	4.04	6.6%	4.06	4.29	4.58	6.5%
Shares	145.0M	143.8M	141.1M	137.7M	-5.0%	143.9M	—	—	—
Debt	9.7M	1.4M	56.0K	12.8M	9.8%	—	—	—	—
Equity	2.5B	2.9B	3.3B	3.8B	15.4%	—	—	—	—
Op CF	559.4M	488.8M	577.9M	645.1M	4.9%	645.1M	—	—	—
Inv CF	242.3M	2.2B	483.8M	-462.4M	—	—	—	—	—
Fin CF	-4.2B	-883.1M	-372.9M	-11.0M	—	—	—	—	—

Loading 1Y...

PRICE (1Y)+9.7%

SMA 50SMA 200

$60.01

RSI (14)

70.4

52W High

$60.76

From 52W High

1.0%

SCORE BREAKDOWN

Quality

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

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

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.

Ticker	Company	Mkt Cap	StockRank	Signal
CBSH	Commerce Bancshares, Inc.(you)	$8.5B	73	BUY
CFR	Cullen/Frost Bankers, Inc.	$10.3B	75	BUY
VLY	Valley National Bancorp	$7.9B	78	BUY
SSB	SouthState Bank Corporation	$10.3B	70	BUY
PB	Prosperity Bancshares, Inc.	$8.8B	66	BUY
FNB	F.N.B. Corporation	$6.8B	70	BUY
COLB	Columbia Banking System, Inc.	$8.8B	65	BUY
BOKF	BOK Financial Corporation	$8.6B	65	HOLD
AUB	Atlantic Union Bankshares Corporation	$6.0B	71	BUY
HOMB	Home BancShares, Inc.	$6.2B	77	BUY

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

Price	$60.01
Market Cap	$8.5B
P/E (TTM)	14.48
P/E (Forward)	13.04
Price/Book	1.94
Return on Equity	14.7%
Debt/Equity	0.00x
Operating Margin	45.1%
Revenue Growth	14.2%
Dividend Yield	1.8%
Free Cash Flow	$1.1B