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CBSH logo CBSH
Upturn stock ratingUpturn stock rating
CBSH logo

Commerce Bancshares Inc (CBSH)

Upturn stock ratingUpturn stock rating
$61.19
Last Close (24-hour delay)
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PASS
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  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
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Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
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Upturn Advisory Summary

08/15/2025: CBSH (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

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

Analysts Price Target For last 52 week
$69.17 Target price
52w Low $52.45
Current$61.19
52w High $71.82

Analysis of Past Performance

Type Stock
Historic Profit -2.8%
Avg. Invested days 33
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/15/2025

Key Highlights

Company Size Mid-Cap Stock
Market Capitalization 8.17B USD
Price to earnings Ratio 14.78
1Y Target Price 69.17
Price to earnings Ratio 14.78
1Y Target Price 69.17
Volume (30-day avg) 7
Beta 0.61
52 Weeks Range 52.45 - 71.82
Updated Date 08/16/2025
52 Weeks Range 52.45 - 71.82
Updated Date 08/16/2025
Dividends yield (FY) 1.72%
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 14.78
Forward PE 16.39
Enterprise Value 6702291456
Price to Sales(TTM) 4.88
Enterprise Value 6702291456
Price to Sales(TTM) 4.88
Enterprise Value to Revenue 4.27
Enterprise Value to EBITDA -
Shares Outstanding 133439000
Shares Floating 121589539
Shares Outstanding 133439000
Shares Floating 121589539
Percent Insiders 2.55
Percent Institutions 72.7

ai summary icon Upturn AI SWOT

Commerce Bancshares Inc

stock logo

Company Overview

overview logo History and Background

Commerce Bancshares, Inc. was founded in 1865 in Kansas City, Missouri. Initially a small bank, it has grown through organic expansion and strategic acquisitions to become a major regional banking player. The company has focused on relationship banking and community involvement throughout its history.

business area logo Core Business Areas

  • Commercial Banking: Provides a wide range of banking services to businesses, including commercial lending, deposit accounts, cash management, and international services.
  • Consumer Banking: Offers retail banking products and services to individuals, including checking and savings accounts, mortgages, credit cards, and personal loans.
  • Wealth Management: Provides investment management, trust, and financial planning services to individuals, families, and institutions.
  • Payment Solutions: Offers merchant processing, card issuing, and other payment solutions to businesses.

leadership logo Leadership and Structure

Commerce Bancshares operates under a traditional corporate structure with a Board of Directors overseeing the executive management team. The CEO leads the overall strategy and operations. Key executives manage the various business segments.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Loans: Provides financing for businesses of all sizes. Market share varies by region and loan type. Competitors include other regional and national banks like U.S. Bancorp (USB), PNC Financial Services (PNC), and Bank of America (BAC).
  • Deposit Accounts: Offers a variety of checking, savings, and money market accounts for consumers and businesses. Competitive landscape includes both traditional banks and online banking platforms. Competitors like Chase (JPM), Wells Fargo (WFC) and local credit unions
  • Mortgage Lending: Provides mortgage financing for residential properties. Competitors include Quicken Loans, Rocket Mortgage and other regional banks.
  • Wealth Management Services: Offers investment advice and portfolio management to high-net-worth individuals and institutions. Competitors include Fidelity (FNF), Charles Schwab (SCHW), and other independent wealth management firms.

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently navigating a complex environment characterized by rising interest rates, increased regulatory scrutiny, and evolving customer expectations. Technological advancements and digital banking are reshaping the competitive landscape.

Positioning

Commerce Bancshares is positioned as a strong regional bank with a focus on relationship banking and customer service. Its competitive advantages include its established presence in the Midwest, its strong balance sheet, and its reputation for stability. Commerce's value is in its commitment to personalized service and community involvement

Total Addressable Market (TAM)

The total addressable market for regional banking in the US is estimated to be in the trillions of dollars. Commerce Bancshares is positioned well to address this TAM with its geographic footprint and range of services but must focus on the new age of mobile banking.

Upturn SWOT Analysis

Strengths

  • Strong regional presence in the Midwest
  • Solid financial performance and profitability
  • Experienced management team
  • Reputation for customer service
  • Conservative underwriting standards

Weaknesses

  • Limited geographic diversification
  • Susceptible to regional economic downturns
  • Relatively slower adoption of fintech innovations compared to larger national banks
  • Dependence on traditional banking model

Opportunities

  • Expansion into new markets through strategic acquisitions
  • Increased adoption of digital banking technologies
  • Growth in wealth management services
  • Increased demand for commercial lending
  • Capturing market share from competitors

Threats

  • Rising interest rates
  • Increased competition from national banks and fintech companies
  • Economic recession
  • Regulatory changes
  • Cybersecurity threats

Competitors and Market Share

competitor logo Key Competitors

  • USB
  • PNC
  • KEY
  • HBAN

Competitive Landscape

Commerce Bancshares benefits from a strong local presence but faces competitive pressure from larger national banks and fintech companies. Its focus on customer service and community involvement provides a competitive advantage.

Major Acquisitions

Heartland Financial USA, Inc

  • Year: 2018
  • Acquisition Price (USD millions): 77
  • Strategic Rationale: Expand market presence in eastern Kansas

Growth Trajectory and Initiatives

Historical Growth: Commerce Bancshares has demonstrated steady growth over the past decade through organic expansion and strategic acquisitions. Historical growth is steady but not aggressive.

Future Projections: Analyst estimates for future growth depend on broader economic conditions and the company's ability to execute its strategic initiatives. Please consult financial databases for the latest analyst estimates.

Recent Initiatives: Recent initiatives include investments in digital banking technologies, expansion of wealth management services, and continued focus on relationship banking.

Summary

Commerce Bancshares is a well-established regional bank with a stable financial position and a focus on customer relationships. Its strengths lie in its strong regional presence and experienced management team. However, it faces challenges from larger national banks and the increasing adoption of fintech. The company must embrace digital innovation and explore new growth opportunities to remain competitive.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • SEC Filings
  • Company Website
  • Yahoo Finance
  • Bloomberg
  • Industry Reports
  • Financial News Outlets

Disclaimers:

This analysis is based on publicly available information and is for informational purposes only. It is not financial advice. Market share data are estimates and may vary. Financial data should be verified with official sources.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 4658

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.