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Commerce Bank/$CBSH

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About Commerce Bank

Commerce Bancshares Inc operates as the bank holding company for Commerce Bank. The bank is engaged in the general banking business, providing a broad range of retail, mortgage banking, corporate, investment, trust, and asset management products and services to individuals, businesses, and municipalities. The company has three reportable segments. The Commercial segment provides lending, leasing, deposit, payment, and cash management services to business and government customers. The Retail Banking segment offers consumer deposits, consumer lending, mortgage banking, and debit and credit card services through its branch network. The Wealth segment provides trust, estate planning, brokerage, and investment management services to individual and institutional clients.
Ticker
$CBSH
Sector
Finance
Primary listing
NASDAQ
Employees
4,969

Commerce Bank Metrics

BasicAdvanced
$7.8B
13.27
$4.15
0.60
$1.10
2.00%

What the Analysts think about Commerce Bank

Analyst ratings (Buy, Hold, Sell) for Commerce Bank stock.
Analyst projections of the future price of Commerce Bank stock.

Bulls say / Bears say

Ending loan balances grew at an annualised rate of more than 7% in the third quarter, led by commercial and wealth lending. That gives Commerce room to grow interest income if demand holds up. (SEC)
Fee income is a useful counterweight to rate-sensitive lending: third-quarter trust fees rose 25.7% year on year and bank card fees rose 8.0%. These businesses supplied 37.5% of quarterly revenue. (SEC)
Profitability and credit quality remain solid: third-quarter net income rose 9.5% year on year, while annualised net charge-offs were just 0.20% of average loans. The bank also repurchased about 1.9 million shares during the quarter. (SEC)
Net interest income fell by $6.2 million quarter on quarter and the yield on interest-earning assets declined six basis points to 3.71%. Higher deposit costs were one factor behind the weaker result. (SEC, Investing.com)
Average deposits fell 1.3% from the previous quarter, with declines in wealth and retail deposits. A continued loss of funding could constrain loan growth or push the bank to pay more to retain deposits. (SEC)
Costs are rising faster than the bank would want: third-quarter non-interest expense was up about 17% year on year, and the efficiency ratio worsened to 56.69% from 55.26%. Higher staff, technology and professional-services costs may limit operating leverage, including as the bank integrates FineMark. (SEC)
Data summarised monthly by Lightyear AI. Last updated on 4 Nov 2026.

Commerce Bank Financial Performance

Revenues and expenses
Income statement
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
Net income
Profit margin

Commerce Bank Earnings Performance

Company profitability
Earnings per share
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
Expected
Surprise

Funds containing Commerce Bank

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