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Upturn AI SWOT - About
CBSH 
Commerce Bancshares Inc (CBSH)
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Upturn Advisory Summary
11/04/2025: 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 $64.25
1 Year Target Price $64.25
| 0 | Strong Buy |
| 0 | Buy |
| 7 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -3.75% | 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 11/04/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.97B USD | Price to earnings Ratio 12.5 | 1Y Target Price 64.25 |
Price to earnings Ratio 12.5 | 1Y Target Price 64.25 | ||
Volume (30-day avg) 7 | Beta 0.58 | 52 Weeks Range 51.64 - 71.52 | Updated Date 11/4/2025 |
52 Weeks Range 51.64 - 71.52 | Updated Date 11/4/2025 | ||
Dividends yield (FY) 2.06% | Basic EPS (TTM) 4.19 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-16 | When Before Market | Estimate 1.11 | Actual 1.06 |
Profitability
Profit Margin 33.34% | Operating Margin (TTM) 44.42% |
Management Effectiveness
Return on Assets (TTM) 1.77% | Return on Equity (TTM) 15.6% |
Valuation
Trailing PE 12.5 | Forward PE 13.23 | Enterprise Value 5609642496 | Price to Sales(TTM) 4.13 |
Enterprise Value 5609642496 | Price to Sales(TTM) 4.13 | ||
Enterprise Value to Revenue 4.09 | Enterprise Value to EBITDA - | Shares Outstanding 133021127 | Shares Floating 121163624 |
Shares Outstanding 133021127 | Shares Floating 121163624 | ||
Percent Insiders 2.56 | Percent Institutions 73.17 |
Upturn AI SWOT
Commerce Bancshares Inc
Company Overview
History and Background
Commerce Bancshares, Inc. was founded in 1865 in Kansas City, Missouri. Initially named the National Bank of Commerce, it has grown through organic expansion and acquisitions, evolving into a regional banking leader with a strong focus on community relationships and financial stability.
Core Business Areas
- Commercial Banking: Provides a wide array of banking services, including lending, deposit accounts, cash management, and international trade services, primarily serving businesses of all sizes.
- Consumer Banking: Offers personal banking services such as checking and savings accounts, mortgages, credit cards, and personal loans to individuals.
- Wealth Management: Provides investment management, trust, and brokerage services to individuals, families, and institutions.
Leadership and Structure
Commerce Bancshares is led by a board of directors and an executive management team. The organizational structure is designed around its core business lines, with regional presidents overseeing local market operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, including working capital, expansion, and equipment financing. Market share varies by region; competition includes national and regional banks like US Bancorp and Bank of America. Revenue contribution is a significant portion of commercial banking revenue, though specific numbers are not publicly segmented.
- Checking Accounts: Offers a range of checking account products for consumers and businesses. Competitors include large national banks and online banking platforms. Market share is concentrated in the Midwest.
- Wealth Management Services: Provides investment management, trust, and brokerage services. Competitors include large brokerage firms and other wealth management providers. Revenue is a smaller portion of the business compared to commercial and consumer banking.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, technological disruption, and a competitive environment driven by both traditional and non-traditional financial institutions.
Positioning
Commerce Bancshares positions itself as a relationship-focused regional bank with a strong emphasis on customer service and community involvement. Its competitive advantage lies in its established presence in the Midwest and its focus on building long-term relationships with clients.
Total Addressable Market (TAM)
The TAM for regional banking services is substantial, encompassing all individuals and businesses requiring financial services in the bank's geographic footprint. Commerce Bancshares captures a solid share of this TAM through its focus on relationship banking and community involvement. Specifics for the TAM are location specific but are in the tens of billions of USD.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Emphasis on customer service
- Solid financial performance
- Experienced management team
- Conservative lending practices
Weaknesses
- Limited geographic diversification
- Reliance on traditional banking model
- Smaller technology budget compared to national banks
- Slower adaptation to new fintech solutions
- Higher cost structure as compared to smaller online banks
Opportunities
- Expansion into new markets within the Midwest
- Adoption of fintech solutions to enhance customer experience
- Increased demand for wealth management services
- Partnerships with fintech companies
- Further expansion into underserved markets
Threats
- Increased competition from national and online banks
- Rising interest rates
- Economic downturn
- Increased regulatory scrutiny
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- USB
- KEY
- HBAN
- JPM
Competitive Landscape
Commerce Bancshares' advantage lies in its regional focus and customer relationships. Disadvantages include less geographic diversification compared to national banks.
Major Acquisitions
Heartland Financial USA, Inc
- Year: 1996
- Acquisition Price (USD millions): 209
- Strategic Rationale: Expanded presence in Iowa and surrounding areas by acquiring this Iowa holding company.
Growth Trajectory and Initiatives
Historical Growth: Commerce Bancshares has historically demonstrated steady growth, driven by organic expansion and strategic acquisitions.
Future Projections: Future growth projections are dependent on economic conditions and the company's ability to execute its strategic initiatives. Analyst data goes here.
Recent Initiatives: Recent initiatives include expanding digital banking capabilities and investing in new technology platforms.
Summary
Commerce Bancshares is a financially stable regional bank with a strong Midwest presence and emphasis on customer service. It faces increasing competition from larger national banks and fintech companies. The company should focus on expanding its digital capabilities and leveraging its regional expertise. While solid, they must accelerate tech adoption and geographic reach.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Earnings Call Transcripts
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is based on publicly available information and should not be considered financial advice. Market conditions and company performance are subject to change.
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 4666 | Website https://www.commercebank.com |
Full time employees 4666 | 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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