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Stock Evaluator: Commerce Bancshares, Inc. (CBSH)

Commerce Bancshares, Inc. CBSH

$59.27 -0.17 -0.29%
July 31, 2026 4:00:00 PM EST November 10, 2021 Volume: 1,301,197
After Hours: $120.37   0.15  |  0.12% November 10, 2021 7:59 PM EST Volume: 72,713
USD NASD | DELAYED PRICE
SECTOR INDUSTRY
Financials Banks

A+ Stock Grade Summary:

VALUE:
GROWTH:
MOMENTUM:
EPS REVISIONS:
QUALITY:
COMPANY SUMMARY
Commerce Bancshares, Inc. operates as the bank holding company for Commerce Bank that provides retail, mortgage banking, corporate, investment, trust, and asset management products and services to individuals and businesses in the United States. It operates through three segments: Retail Banking, Commercial, and Wealth. The Retail Banking segment offers various banking products and services, including consumer deposits; consumer loans, such as automobile, motorcycle, marine, tractor/trailer, recreational vehicle, fixed rate and revolving home equity, and other consumer loans; patient health care financing; real estate loans; indirect and other consumer financing; retail branch network; personal mortgage banking; consumer installment lending; and consumer debit and credit bank cards. The Commercial segment provides corporate lending, leasing, international, merchant and commercial bank card, and securities safekeeping and bond accounting services; and business products, government deposits, and related commercial cash management services, as well as sells fixed income securities to correspondent banks, corporations, public institutions, municipalities, and individuals. The Wealth segment provides traditional trust and estate planning, advisory and discretionary investment portfolio management, and brokerage services, as well as private banking accounts. The company offers private equity investment, securities brokerage, insurance agency, specialty lending, and leasing services, as well as online and mobile banking services. Commerce Bancshares, Inc. was founded in 1865 and is headquartered in Kansas City, Missouri.

Commentary & Analysis

Financial Summary

Share Statistics CBSH Industry
Median		 Percentile
(All Stocks)
Market Cap (Mil) $8,528.6 $716.9 75%
Shares Out (Mil) 145.9 15.7 71%
Institutional Ownership 96.2% 83.0% 69%
Float (Mil) 130.9 21.2 66%
Beta 0.58 0.48 33%
Avg Daily Volume (000s) 1,214 53 74%
Price Change
(52-week)		 1.6% 96.7% 47%
Growth CBSH Industry
Median		 Percentile
(All Stocks)
Sales (5yr) 7.2% 7.6% 46%
Net Income (5yr) 9.8% 11.1% 54%
EPS (5yr) 12.1% 10.1% 50
Dividends (5yr) 5.4% 3.6% 80%
Cash Flow (5yr) (32.4%) (17.0%) 17%
Estimates Qtrly Current
Fiscal
Year		 Next
Fiscal
Year
# of Estimates 8 7 8
Current EPS $1.089 $4.289 $4.519
Month Ago EPS $1.060 $4.174 $4.382
# Rev Up 2 2 1
# Rev Down 0 1 0
Three Months Ago EPS $1.053 $4.133 $4.329
Year/Year Chg 13.2% 6.2% 15.2%
Financials CBSH Industry
Median		 Percentile
(All Stocks)
Sales (TTM) (Mil) $1,782 $190 59%
Net Income (TTM) (Mil) $576 $51 81%
EPS (TTM) $4.068 $2.500 84%
Operating Cash Flow (TTM) (Mil) $1,191 $34 83%
Net Cash Flow (TTM) (Mil) $569 $1 92%
Long-Term Debt (Q1) (Mil) $8 $100 27%
Enterprise Value (Q1) (Mil) na $0 na
Valuation CBSH Industry
Median		 Percentile
(All Stocks)
P/B 2.01 1.27 51%
P/E 14.6 12.9 34%
Dividend Yield 1.9% 2.2% 75%
PEG (5yr hist) 1.2 1.1 51%
Ratios CBSH Industry
Median		 Percentile
(All Stocks)
Gross Margin na 68.8% na
Net Margin 31.6% 28.9% 90%
ROA 1.7% 1.0% 54%
ROE 14.8% 11.1% 71%
Liabilities to Assets 87.9% 89.8% 82%
F-Score 4 4 34%

Passing Stock Screens

As of 7/31/2026, from a list of 60 stock screening strategies, CBSH meetings the criteria of 3 screen:
Stock Screen
GURU STRATEGY

Graham--Defensive Investor (Utility) Screen

Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength. 
Performance Since Inception: 6.9%
+/- S&P 500: -0.6

Passing Stocks

1st Source Corporation SRCE
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See All 182 Stocks (as of 7/31/2026)
FACTOR STRATEGY

P/E Relative Screen

Factors: Value, Earnings Estimates
A screen that looks at the relationship of a stock's price-earnings ratio to that of the industry and market. 
Performance Since Inception: 13.7%
+/- S&P 500: +6.2

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See All 112 Stocks (as of 7/31/2026)
FACTOR STRATEGY

Dividend (High Relative Yield) Screen

Factors: Yield, Value, Growth
Using the dividend-yield approach to invest during volatile markets. 
Performance Since Inception: 9.1%
+/- S&P 500: +1.6

Passing Stocks

A. O. Smith Corporation AOS
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See All 31 Stocks (as of 7/31/2026)

Price and market data provided by QuoteMedia and delayed a minimum of 15 minutes unless otherwise indicated. Fundamental data provided by AAII's Stock Investor Pro and S&P Global Market Intelligence and are updated through the previous trading day.

Ⓒ 2026 American Association of Individual Investors