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COMMERCE BANCSHARES INC /MO/

CBSH

Companies in State Commercial Banks

COMMERCE BANCSHARES INC /MO/ (CBSH) — SEC Financial Statements & Analysis

COMMERCE BANCSHARES INC /MO/ (CBSH) files its annual 10-K and quarterly 10-Q reports directly with the SEC. The financial data below is sourced as-filed from EDGAR — balance sheet, income statement, and cash flow as reported, without normalization or third-party adjustments.

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Financial Statements

Values in Millions ($)
2026-03-31
2025-12-31
2025-09-30
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
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Financing Receivable Excluding Accrued Interest Be…
20,46117,77117,78717,66517,37917,22017,09017,16317,29917,20517,12916,957
Financing Receivable Allowance For Credit Losses
-------161-159-160-162-162-159
Financing Receivable Allowance For Credit Loss Exc…
-199-179-176-165-167-163-161---162--
Financing Receivable Excluding Accrued Interest Af…
20,26217,59217,61117,50017,21217,05716,92917,00517,13817,04316,96716,798
Loans Receivable Held For Sale Amount
243433232457
Marketable Securities
Available For Sale Securities Debt Securities
8,6469,0968,9998,9169,2659,1379,1688,5349,1429,6859,86110,415
Trading Securities
-----------29
Trading Securities Debt
4440564757384345572936-
Equity Securities Fv Ni And Without Readily Determ…
5657535558575711413131212
Assets
Assets
35,71732,91532,28932,28432,36531,99731,49430,56930,37231,70131,37732,831
Federal Funds Sold And Securities Purchased Under …
-----------3
Other Investments
248230227220221230217224229222231-
Investments
8,9959,4239,3359,2379,6019,4629,4848,9179,4409,94910,139-
Federal Funds Sold
10000300053-
Securities Purchased Under Agreements To Resell
850850850850850625475475225450450-
Interest Bearing Deposits In Banks
3,2702,7442,4782,6242,7572,6252,6422,2151,6102,2391,8482,569
Cash And Due From Banks
573803476522517748508330291443358367
Property Plant And Equipment Net
527486483477477475470467467469461452
Goodwill
254147147147147147147147147147147146
Intangible Assets Net Excluding Goodwill
1461313131314141414141415
Other Assets
8378528939107888378239971,038938985937
Liabilities And Stockhold…
Noninterest Bearing Deposit Liabilities
8,0588,2067,4907,3947,5188,1517,3967,4937,5137,9767,9618,199
Interest Bearing Deposit Liabilities
17,87815,04715,55215,72815,97514,75515,21714,36814,46314,51214,15414,419
Deposits
Deposits
28,38425,64025,45825,49425,84225,29425,23824,27924,44025,36425,09025,869
Time Deposits Less Than100000
1,0321,0231,0039869869971,1141,0109989301,2101,543
Time Deposits100000 Or More
1,4161,3631,4141,3871,3621,3921,5111,4091,4661,9451,7651,708
Federal Funds Purchased And Securities Sold Under …
2,5772,9902,4732,5962,4002,9272,1822,5512,5062,9092,7452,878
Other Borrowings
813915180104215041,006
Other Liabilities
422458555519607444610576460463438393
Liabilities
31,39129,10028,49628,62428,86728,66428,04027,41127,40828,73728,77730,146
Common Stock Value
743693676676676676655655655655629629
Additional Paid In Capital
3,9863,5223,3913,3863,3823,3963,1543,1533,1493,1632,9242,921
Stockholders Equity
Stockholders Equity
4,3263,8153,7723,6413,4983,3103,4323,1582,9442,9642,5812,685
Retained Earnings Accumulated Deficit
2331323612561404533923513153298211
Treasury Stock Value
-121-48-122-97-86-48-139-98-60-36-77-58
Accumulated Other Comprehensive Income Loss Net Of…
-540-508-534-581-635-759-577-808-931-891-1,194-1,036
Minority Interest
252321202123212120201818
Liabilities And Stockholders Equity
35,71732,91532,28932,28432,36531,99731,49430,56930,37231,70131,37732,831
Mortgages Held For Sale Fair Value Disclosure
242333221202
Available For Sale Debt Securities Amortized Cost …
9,3349,7429,6879,68010,09810,1279,9549,60810,38910,90511,45711,834
Debt Securities Available For Sale Allowance For C…
000000000000
Common Stock Par Or Stated Value Per Share
555555555555
Common Stock Shares Authorized
190190190190190190190190190190190190
Common Stock Shares Issued
149139135135135135131131131131126126
Treasury Stock Common Shares
212211221111

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Earnings Market Reaction

Fiscal Year
Q1 1 Month
Q1 2 Month
Q1 3 Month
Q2 1 Month
Q2 2 Month
Q2 3 Month
Q3 1 Month
Q3 2 Month
Q3 3 Month
Q4 1 Month
Q4 2 Month
Q4 3 Month
2026-0.50%10.70%----------
20251.60%0.54%0.46%2.77%-0.25%-11.35%1.96%1.96%2.74%-8.17%-1.52%-1.87%
2024-1.37%-0.62%15.94%6.51%0.06%2.35%5.42%-5.37%-0.58%-4.24%-6.34%2.62%
2023----7.88%-11.05%-14.58%13.27%22.14%22.23%-0.86%0.13%10.40%

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Performance and Valuation Metrics

Metrics
2026-03-31
2025-12-31
2025-09-30
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
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Leverage & Debt
Interest Coverage TTM
-
-
-
-
7.47
4.10
2.96
2.41
2.41
2.62
3.15
4.18
Per Share Metrics
Free Cash Flow Per Share TTM
7.71
4.27
1.40
3.66
3.94
3.93
6.01
3.78
3.27
3.06
2.91
3.23
Dividend Per Share TTM
1.04
1.08
1.10
1.12
1.09
1.07
1.10
1.56
1.55
1.54
1.59
1.04
Margin Metrics
Gross Profit Margin TTM
75.38%
74.94%
74.03%
72.98%
71.88%
70.79%
59.18%
58.67%
58.63%
60.94%
76.96%
83.06%
Operating Profit Margin TTM
49.44%
49.32%
48.82%
48.47%
47.45%
46.24%
44.40%
43.19%
42.86%
44.87%
49.35%
53.71%
Net Profit Margin TTM
38.31%
38.46%
37.71%
37.68%
36.77%
35.82%
34.79%
33.69%
33.54%
35.12%
39.12%
42.50%
Growth Metrics
Net Revenue Growth (1Y)
2.76%
0.96%
1.15%
1.76%
3.08%
6.39%
12.08%
20.33%
30.57%
38.27%
41.38%
37.52%
Net Income Growth (1Y)
7.05%
8.43%
9.65%
13.80%
13.00%
8.48%
-0.33%
-4.60%
-4.45%
-2.97%
5.93%
6.45%
EPS Growth (1Y)
-2.54%
5.79%
6.29%
10.31%
9.53%
5.16%
-4.28%
-8.38%
-8.24%
-6.82%
2.81%
3.31%
Valuation Metrics
P/E TTM
12.52
12.58
13.58
14.09
14.41
14.81
13.43
13.06
12.63
12.49
9.70
9.75
P/B
1.68
1.88
2.00
2.14
2.24
2.34
1.98
2.02
2.05
2.04
1.90
1.86
P/S TTM
4.80
4.84
5.12
5.31
5.30
5.30
4.67
4.40
4.24
4.39
3.79
4.14
Market Cap
7.27B
7.18B
7.58B
7.85B
7.82B
7.79B
6.83B
6.39B
6.06B
6.06B
4.95B
5.00B
Enterprise Value
3.43B
3.63B
4.62B
4.70B
4.55B
4.42B
3.68B
3.85B
4.16B
3.37B
2.74B
2.06B
Calculated Values
Free Cash Flow TTM
1.14B
592.39M
189.13M
494.92M
533.27M
531.73M
787.91M
495.04M
429.16M
400.70M
366.23M
405.99M
Net Debt
-3.84B
-3.55B
-2.95B
-3.15B
-3.27B
-3.38B
-3.15B
-2.54B
-1.90B
-2.69B
-2.21B
-2.94B
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-16Sale
Owner: Fowler, June Mcallister
Title: -
Shares: 200
Price/Share: $55.04
Value: $11,008.00
Shares Owned: 6,233
Relationship: Director
Ownership: Direct
2026-03-13Purchase
Owner: Dunn, Timothy S
Title: -
Shares: 2,500
Price/Share: $47.71
Value: $119,275.00
Shares Owned: 5,403
Relationship: Director
Ownership: Direct
2026-03-05Sale
Owner: Jakovich, Kim L
Title: Senior Vice President
Shares: 949
Price/Share: $51.45
Value: $48,826.05
Shares Owned: 12,741
Relationship: Officer
Ownership: Direct
2026-03-05Sale
Owner: Rowe, Margaret M
Title: Senior Vice President
Shares: 861
Price/Share: $51.69
Value: $44,505.09
Shares Owned: 5,742
Relationship: Officer
Ownership: Direct
2026-02-11Sale
Owner: Barth, Kevin G
Title: Executive Vice President
Shares: 7,457
Price/Share: $55.09
Value: $410,806.13
Shares Owned: 44,745
Relationship: Officer
Ownership: Direct

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Institutional Ownership

No data available for chart
2026-03-31
67.96%
Inst. Shares: 100,941,617
Shares Outstanding: 148,521,165
2025-12-31
69.84%
Inst. Shares: 96,791,651
Shares Outstanding: 138,588,701
2025-09-30
68.33%
Inst. Shares: 92,387,128
Shares Outstanding: 135,210,812
2025-06-30
68.76%
Inst. Shares: 92,974,099
Shares Outstanding: 135,210,812
2025-03-31
67.37%
Inst. Shares: 91,095,006
Shares Outstanding: 135,210,812

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COMMERCE BANCSHARES INC /MO/ (CBSH) financial data sourced directly from SEC EDGAR filings — including the latest 10-K annual report, 10-Q quarterly filings, insider transactions (SEC Form 4), institutional ownership (SEC Form 13F), Earning Marker Reaction Heat Map and 50+ calculated financial metrics like Price to Earnings Ratio (P/E), Return on Equity (ROE), Debt to Equity (D/E), Free Cash Flow Per Share (FCF/S), and Return on Invested Capital (ROIC). Unlike platforms that rely on third-party data aggregators, GeminIQ parses raw SEC filings directly — delivering institutional-grade accuracy at a fraction of the cost of Bloomberg Terminal or S&P Capital IQ.