Commerce Bancshares, Inc.

Valuation Analysis

About the Company

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: Retail Banking, Commercial, and Wealth. The Retail Banking 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 Co

Commerce Bancshares, Inc. Stock at a Glance

Commerce Bancshares, Inc. (CBSH) is currently trading at $55.82 with a market capitalization of $8.1B. The trailing P/E ratio stands at 13.71x, with a forward P/E of 12.76x. The 52-week range spans from $46.99 to $63.19; the current price is 11.7% below the yearly high. Year-over-year revenue growth stands at +17.3%. The net profit margin stands at 32.34%.

💰 Dividend

Commerce Bancshares, Inc. pays an annual dividend of $1.10 per share, representing a yield of 1.97%. The payout ratio stands at 26.38%.

📊 Analyst Rating

8 analysts rate Commerce Bancshares, Inc. (CBSH) on consensus: None. The average price target is $58.69, implying +5.14% from the current price. Analyst price targets range from $53.00 to $69.00.

Commerce Bancshares, Inc.: The Investment Case in Detail

Commerce Bancshares, Inc. (CBSH) operates in the Financial Services — specifically Banks - Regional — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

The Bull Case

Revenue is growing at a healthy 17.3% pace year-over-year, suggesting the business model continues to find new customers and pricing power. Our valuation screen flags the stock as undervalued relative to its fundamentals — multiples are running below where the cash flow profile would normally justify.

Investment Thesis: Strengths & Weaknesses

Technical Snapshot

The price is in a transition zone relative to the moving averages — no clear signal.

Risk Profile

The data points to relatively defensive market behavior.

Trading Data

💵 Dividend Info

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