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Upturn AI SWOT - About
CBSH 
Commerce Bancshares Inc (CBSH)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
09/17/2025: CBSH (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
7 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $69.17
1 Year Target Price $69.17
| 0 | Strong Buy |
| 0 | Buy |
| 7 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -3.69% | Avg. Invested days 33 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 7.81B USD | Price to earnings Ratio 14.16 | 1Y Target Price 69.17 |
Price to earnings Ratio 14.16 | 1Y Target Price 69.17 | ||
Volume (30-day avg) 7 | Beta 0.61 | 52 Weeks Range 52.22 - 71.51 | Updated Date 09/17/2025 |
52 Weeks Range 52.22 - 71.51 | Updated Date 09/17/2025 | ||
Dividends yield (FY) 1.80% | Basic EPS (TTM) 4.14 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 33.38% | Operating Margin (TTM) 45.27% |
Management Effectiveness
Return on Assets (TTM) 1.79% | Return on Equity (TTM) 16.48% |
Valuation
Trailing PE 14.16 | Forward PE 16.39 | Enterprise Value 6358018560 | Price to Sales(TTM) 4.67 |
Enterprise Value 6358018560 | Price to Sales(TTM) 4.67 | ||
Enterprise Value to Revenue 4.07 | Enterprise Value to EBITDA - | Shares Outstanding 133248000 | Shares Floating 121582867 |
Shares Outstanding 133248000 | Shares Floating 121582867 | ||
Percent Insiders 2.56 | Percent Institutions 72.65 |
Upturn AI SWOT
Commerce Bancshares Inc
Company Overview
History and Background
Commerce Bancshares, Inc. was founded in 1865 as the National Bank of Commerce in Kansas City, Missouri. Over time, it expanded its operations through organic growth and strategic acquisitions, evolving into a diversified financial services provider. It has maintained a strong presence in the Midwest.
Core Business Areas
- Commercial Banking: Provides a range of lending, deposit, and treasury management services to businesses of all sizes.
- Consumer Banking: Offers deposit accounts, loans, credit cards, and other financial services to individuals and families.
- Wealth Management: Provides investment management, financial planning, trust, and brokerage services to high-net-worth individuals and institutions.
- Mortgage Banking: Originates and services residential mortgages.
Leadership and Structure
The leadership team is headed by John Kemper, as CEO. The organizational structure includes various divisions for commercial banking, consumer banking, wealth management, and other support functions, reporting to the CEO and the Board of Directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers loans to businesses, including term loans, lines of credit, and real estate loans. Competitors include BOKF, UMB Financial Corporation, and regional banks.
- Market Share (%):
- Deposit Accounts: Provides checking, savings, and money market accounts to consumers and businesses. Competitors include Bank of America, Wells Fargo, and local credit unions.
- Market Share (%):
- Market Share (%):
- Wealth Management Services: Offers investment management, financial planning, and trust services. Competitors include large brokerage firms like Morgan Stanley and Charles Schwab, as well as other regional wealth managers.
- Credit Cards: Offers personal and business credit cards with various rewards programs. Competitors include large card issuers like Capital One and Chase.
- Market Share (%):
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Economic uncertainty is also impacting lending and investment activities.
Positioning
Commerce Bancshares positions itself as a relationship-focused bank with a strong emphasis on customer service and community involvement. It competes with national banks, regional banks, and credit unions.
Total Addressable Market (TAM)
The TAM for banking services in the Midwest is estimated to be in the hundreds of billions of dollars. Commerce Bancshares is well-positioned to capture a portion of this market due to its established presence and strong reputation.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Midwest
- Diversified revenue streams
- Solid reputation for customer service
- Conservative lending practices
- Experienced management team
Weaknesses
- Limited geographic diversification
- Exposure to regional economic conditions
- Reliance on traditional banking channels
- Higher operating costs compared to fintechs
Opportunities
- Expansion into new markets
- Adoption of new technologies
- Strategic acquisitions
- Growth in wealth management business
- Increased demand for digital banking services
Threats
- Increased competition from fintech companies
- Rising interest rates
- Economic downturn
- Increased regulatory scrutiny
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- UMB Financial Corporation (UMBF)
- BOK Financial Corporation (BOKF)
- First Interstate BancSystem, Inc. (FIBK)
Competitive Landscape
Commerce Bancshares has a strong regional presence and a reputation for customer service. It faces competition from larger national banks and smaller regional banks, as well as fintech companies.
Major Acquisitions
Heartland Payment Systems (partial stake)
- Year: 2016
- Acquisition Price (USD millions): 30
- Strategic Rationale: Invested to facilitate faster card processing and enhance transaction capabilities.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic expansion and strategic acquisitions. Growth rates would vary depending on economic conditions and competitive pressures.
Future Projections: Analyst estimates suggest moderate growth for Commerce Bancshares in the coming years, driven by expansion in key markets and business lines.
Recent Initiatives: Recent strategic initiatives may include investments in technology, expansion into new markets, or acquisitions of smaller banks or wealth management firms.
Summary
Commerce Bancshares is a financially stable regional bank with a solid reputation and diversified revenue streams. Its conservative lending practices and strong customer relationships are working well. It faces increased competition from fintechs and needs to continue to invest in technology to remain competitive. Furthermore, it must be aware of economic downturns that can affect its region of operations
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (SEC)
- Analyst reports
- Industry publications
- Company Website
Disclaimers:
This analysis is based on available information and estimates. Actual results may vary. This is not financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Commerce Bancshares Inc
Exchange NASDAQ | Headquaters Kansas City, MO, United States | ||
IPO Launch date 1984-09-07 | President, CEO & Director Mr. John W. Kemper | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 4658 | Website https://www.commercebank.com |
Full time employees 4658 | Website https://www.commercebank.com | ||
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: Consumer, Commercial, and Wealth. The Consumer 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.
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