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Upturn AI SWOT - About
CBSH 
Commerce Bancshares Inc (CBSH)
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Upturn Advisory Summary
07/02/2025: 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 $65.75
1 Year Target Price $65.75
| 0 | Strong Buy |
| 0 | Buy |
| 7 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 2.01% | Avg. Invested days 36 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 07/02/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 8.50B USD | Price to earnings Ratio 15.81 | 1Y Target Price 65.75 |
Price to earnings Ratio 15.81 | 1Y Target Price 65.75 | ||
Volume (30-day avg) 7 | Beta 0.6 | 52 Weeks Range 51.41 - 71.83 | Updated Date 07/2/2025 |
52 Weeks Range 51.41 - 71.83 | Updated Date 07/2/2025 | ||
Dividends yield (FY) 1.77% | Basic EPS (TTM) 4.03 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 33.17% | Operating Margin (TTM) 44.68% |
Management Effectiveness
Return on Assets (TTM) 1.75% | Return on Equity (TTM) 17.01% |
Valuation
Trailing PE 15.81 | Forward PE 16.39 | Enterprise Value 6507136512 | Price to Sales(TTM) 5.17 |
Enterprise Value 6507136512 | Price to Sales(TTM) 5.17 | ||
Enterprise Value to Revenue 4.42 | Enterprise Value to EBITDA - | Shares Outstanding 133420000 | Shares Floating 121576526 |
Shares Outstanding 133420000 | Shares Floating 121576526 | ||
Percent Insiders 2.56 | Percent Institutions 72.05 |
Analyst Ratings
Rating 2 | Target Price 65.75 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 7 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Commerce Bancshares Inc
Company Overview
History and Background
Commerce Bancshares, Inc. was founded in 1865 in Kansas City, Missouri. It started as a small bank serving the local community and has grown through organic expansion and strategic acquisitions into a major regional bank holding company.
Core Business Areas
- Commercial Banking: Offers a range of services, including lending, deposit accounts, cash management, and international trade finance, to businesses of all sizes.
- Consumer Banking: Provides checking and savings accounts, credit cards, mortgages, personal loans, and investment services to individual customers.
- Wealth Management: Offers trust, investment management, financial planning, and private banking services to high-net-worth individuals and families.
- Payment Solutions: Processes payments for businesses, facilitating both in-person and online transactions.
Leadership and Structure
David Kemper is the Executive Chairman, and John Kemper is the CEO. The company operates with a traditional hierarchical structure, with various departments and divisions reporting to senior management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commerce Bancshares provides various commercial loan products. Competitors include regional and national banks such as U.S. Bancorp and Bank of America. Market share data is not readily available.
- Market Share (%):
- Consumer Checking Accounts: Commerce Bancshares offers personal checking accounts. Competitors include national and online banks like Chase and Capital One. Market share data is not readily available.
- Wealth Management Services: Commerce Bancshares offers investment advisory services, competing with firms like Edward Jones and Morgan Stanley. Market share data is not readily available.
Market Dynamics
Industry Overview
The banking industry is currently navigating a complex landscape with changing interest rates, increased regulatory scrutiny, and technological advancements. Competition is intense, with traditional banks facing pressure from fintech companies and online lenders.
Positioning
Commerce Bancshares is a well-established regional bank known for its strong customer relationships and conservative lending practices. It aims to provide a full suite of financial services to businesses and individuals in its geographic footprint.
Total Addressable Market (TAM)
The TAM for regional banking services in the Midwest is estimated to be in the hundreds of billions of dollars. Commerce Bancshares is positioned to capture a portion of this TAM through its established presence and diverse product offerings.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Conservative lending practices
- Long-standing customer relationships
- Diversified product offerings
Weaknesses
- Limited geographic reach
- Slower adoption of new technologies compared to larger banks
- Reliance on traditional banking channels
- Higher expense ratio than peers
Opportunities
- Expanding into new markets within its region
- Investing in fintech to enhance customer experience
- Acquiring smaller banks to increase market share
- Growing wealth management business
Threats
- Rising interest rates
- Increased competition from online banks and fintech companies
- Economic downturns
- Regulatory changes
Competitors and Market Share
Key Competitors
- USB
- FITB
- KEY
Competitive Landscape
Commerce Bancshares benefits from its strong regional presence and customer relationships. However, it faces challenges from larger national banks with greater resources and fintech companies offering innovative financial solutions.
Major Acquisitions
Heartland Payment Systems
- Year: 2016
- Acquisition Price (USD millions): 4500
- Strategic Rationale: The acquisition of Heartland Payment Systems strengthens CBSH's payment solutions business. It provides a scalable, integrated platform for clients to process payments. It also expands the geographic reach, revenue and profitability of the Bank.
Growth Trajectory and Initiatives
Historical Growth: Commerce Bancshares has experienced steady growth over the past decade, driven by organic expansion and strategic acquisitions.
Future Projections: Analysts project moderate revenue growth in the coming years, driven by loan growth, fee income, and wealth management services. Earnings per share are expected to increase at a similar pace.
Recent Initiatives: Recent initiatives include investing in technology to improve customer experience, expanding into new markets within its region, and growing its wealth management business.
Summary
Commerce Bancshares is a financially sound regional bank with a long history and strong customer relationships. Its conservative lending practices provide stability, but its limited geographic reach and slower adoption of technology may hinder future growth. Strategic investments in fintech and expansion into new markets are crucial for sustaining its competitive position. Recent acquistions bolster its market presence.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Investor presentations
- Earnings call transcripts
- Third-party financial data providers
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share and growth projections are based on estimates and are subject to change. Investment decisions should be based on individual financial circumstances and consultation with a qualified financial advisor.
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 4662 | Website https://www.commercebank.com |
Full time employees 4662 | 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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