COMMERCE BANCSHARES INC /MO/ CBSH

Latest FY: 2025 Financial Services Banks - Regional
Market Price $58.26
Market Cap $8.38B
P/E Ratio 14.42
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑9.8% YoY
$18.46M
3-Yr CAGR: 27.3%
Net Income ↑7.6% YoY
$566.25M
Net Margin: 3,066.8%
Free Cash Flow ↑11.4% YoY
$592.39M
FCF Yield: 7.07%
EPS (Diluted) ↑9.6% YoY
$4.04
Basic: $4.04
Return on Equity Efficiency
14.9%
ROA: 1.7%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (CBSH)

All monetary values in millions ($M)
⚠️ YoY Data Quality Alert
  • FY 2020: Revenue YoY (+8.0%) is identical to Gross Profit YoY (+8.0%). Verify the underlying Revenue and Gross Profit values for FY 2020 and FY 2019.
  • FY 2021: Revenue YoY (-12.8%) is identical to Gross Profit YoY (-12.8%). Verify the underlying Revenue and Gross Profit values for FY 2021 and FY 2020.
  • FY 2022: Revenue YoY (+19.5%) is identical to Gross Profit YoY (+19.5%). Verify the underlying Revenue and Gross Profit values for FY 2022 and FY 2021.
  • FY 2023: Revenue YoY (+45.7%) is identical to Gross Profit YoY (+45.7%). Verify the underlying Revenue and Gross Profit values for FY 2023 and FY 2022.
  • FY 2024: Revenue YoY (+29.0%) is identical to Gross Profit YoY (+29.0%). Verify the underlying Revenue and Gross Profit values for FY 2024 and FY 2023.
  • FY 2025: Revenue YoY (+9.8%) is identical to Gross Profit YoY (+9.8%). Verify the underlying Revenue and Gross Profit values for FY 2025 and FY 2024.
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $1,154.4M $1,121.4M $275.4M $2.05 0.00% $432.4M $407.9M
FY 2017 $1,220.3M +5.7% $1,176.6M $319.4M +16.0% $2.26 +10.7% 0.00% $433.2M $402.4M -1.3%
FY 2018 $1,325.2M +8.6% $1,259.8M $433.5M +35.7% $3.11 +37.3% 0.00% $552.7M $519.4M +29.1%
FY 2019 $8.0M -99.4% $8.0M $421.2M -2.8% $2.95 -5.3% 0.00% $512.8M $470.2M -9.5%
FY 2020 $8.6M +8.0% $8.6M $354.1M -15.9% $2.51 -14.7% 0.00% $624.0M $590.9M +25.7%
FY 2021 $7.5M -12.8% $7.5M $530.8M +49.9% $3.91 +55.5% 0.00% $597.7M $541.0M -8.4%
FY 2022 $8.9M +19.5% $8.9M $488.4M -8.0% $3.49 -10.7% 0.00% $559.4M $494.2M -8.7%
FY 2023 $13.0M +45.7% $13.0M $477.1M -2.3% $3.30 -5.5% 0.00% $488.8M $400.7M -18.9%
FY 2024 $16.8M +29.0% $16.8M $526.3M +10.3% $3.69 +11.6% 0.00% $577.9M $531.7M +32.7%
FY 2025 $18.5M +9.8% $18.5M $566.3M +7.6% $4.04 +9.6% 0.00% $645.1M $592.4M +11.4%
$

Valuation

Market Price $58.26
Market Cap $8.38B
Enterprise Value $7.87B
P/E Ratio 14.42
P/B Ratio 2.21
FCF Yield 7.07%
Dividend Yield N/A
Shares Outstanding 143,894,100
%

Profitability & Margins

Gross Margin 4.73%
Operating Margin 3,963.58%
Net Margin 3,066.78%
Return on Equity (ROE) 14.94%
Return on Assets (ROA) 1.72%
Asset Turnover 0.00x
Revenue 3-Yr CAGR 27.31%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.000
Debt / Assets 0.000
Cash & Equivalents $511.85M
Total Debt N/A
Book Value / Share $26.35
💧

Cash Flow Efficiency

Operating Cash Flow $645.14M
Capital Expenditures (CapEx) $52.75M
Free Cash Flow $592.39M
OCF / Revenue 3,494.02%
FCF / Revenue 3,208.34%
FCF 3-Yr CAGR 6.23%
🏷️

Per Share Metrics

EPS (Diluted) $4.04
EPS (Basic) $4.04
Dividends / Share N/A
Book Value / Share $26.35
EPS YoY Growth 9.61%
🏛️

Balance Sheet (FY 2025)

Total Assets $32.92B
Total Liabilities $29.10B
Stockholders' Equity $3.79B
Current Assets N/A
Current Liabilities N/A