What is Commerce Bancs's earnings per share (EPS)?

Commerce Bancs (CBSH) reported diluted earnings per share of $4.04 for fiscal year 2025. This represents a 9.5% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Commerce Bancs Financials

CBSH

FY2025 annual

Revenue $1.5B +1.0% YoY

Net Income $566.3M +7.6% YoY

EPS (Diluted) $4.04 +9.5% YoY

Free Cash Flow $592.4M +11.4% YoY

Source SEC Filings (10-K/10-Q) Data as of Jun 30, 2026 Currency USD FYE December

Commerce Bancs (CBSH) reported $1.5B in revenue for fiscal year 2025, up 1.0% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI CBSH FY2025 2026-05-07

Higher earnings are now converting into cash while equity is rebuilding faster than liabilities, easing balance-sheet strain.

Across the last three fiscal years, debt-to-equity fell from 11.9x to 7.7x even as return on assets improved, which means profitability strengthened without leaning harder on leverage. In FY2025, operating cash flow exceeded net income by about $79M, so the earnings recovery is appearing in cash rather than only in accounting profit.

With only $52.7M of capital spending against $645.1M of operating cash flow, capital intensity is low; most internally generated cash remains available for dividends, buybacks, or balance-sheet strengthening. That helps explain why free cash flow reached $592.4M, equal to 39.9% of revenue, despite only modest top-line expansion.

Since FY2023, equity accumulation added about $845M while liabilities increased only $364M, which is why leverage has eased rather than intensified. FY2025 shareholder payouts of about $358M remained below free cash flow of $592.4M, indicating distributions were funded from ongoing cash generation rather than balance-sheet expansion.

Financial Health Signals

Financial Health Score 66/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Commerce Bancs's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Growth

Capital

Efficiency

Credit Quality

Stability

Piotroski F-Score Partial

4/5

Commerce Bancs passes 4 of 5 computable financial strength tests (4 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.14x

For every $1 of reported earnings, Commerce Bancs generates $1.14 in operating cash flow ($645.1M OCF vs $566.3M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$1.5B

YoY+1.0%

5Y CAGR+11.2%

10Y CAGR+8.4%

Commerce Bancs generated $1.5B in revenue in fiscal year 2025. This represents an increase of 1.0% from the prior year.

Net Income

$566.3M

YoY+7.6%

5Y CAGR+9.8%

10Y CAGR+7.9%

Commerce Bancs reported $566.3M in net income in fiscal year 2025. This represents an increase of 7.6% from the prior year.

EPS (Diluted)

$4.04

YoY+9.5%

5Y CAGR+8.9%

10Y CAGR+5.7%

Commerce Bancs earned $4.04 per diluted share (EPS) in fiscal year 2025. This represents an increase of 9.5% from the prior year.

EBITDA

Not reported for fiscal year 2025.

Cash & Balance Sheet

Free Cash Flow

$592.4M

YoY+11.4%

5Y CAGR+0.1%

10Y CAGR+8.6%

Commerce Bancs generated $592.4M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 11.4% from the prior year.

Cash & Debt

$3.5B

YoY+5.1%

5Y CAGR+9.9%

10Y CAGR+21.6%

Commerce Bancs held $3.5B in cash as of fiscal year 2025; long-term debt is not reported for that period.

Dividends Per Share

$1.05

YoY+6.9%

5Y CAGR+2.4%

10Y CAGR+3.0%

Commerce Bancs paid $1.05 per share in dividends in fiscal year 2025. This represents an increase of 6.9% from the prior year.

Shares Outstanding

Not reported for fiscal year 2025.

Margins & Returns

Net Margin

38.2%

YoY+2.3pp

5Y CAGR-2.4pp

10Y CAGR-1.7pp

Commerce Bancs's net profit margin was 38.2% in fiscal year 2025, showing the share of revenue converted to profit. This is up 2.3 percentage points from the prior year.

Return on Equity

14.9%

YoY-1.0pp

5Y CAGR+4.5pp

10Y CAGR+3.8pp

Commerce Bancs's ROE was 14.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 1.0 percentage points from the prior year.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

Share Buybacks

$207.6M

YoY+21.8%

5Y CAGR+30.8%

10Y CAGR+24.5%

Commerce Bancs spent $207.6M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 21.8% from the prior year.

Capital Expenditures

$52.7M

YoY+14.3%

5Y CAGR+9.7%

10Y CAGR+5.2%

Commerce Bancs invested $52.7M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 14.3% from the prior year.

R&D Spending

Not reported for fiscal year 2025.

CBSH Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

CBSH annual income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Revenue	$1.6B	$1.5B+1.0%	$1.5B+6.4%	$1.4B+38.3%	$999.0M+17.8%	$848.3M-2.8%	$872.6M-5.6%	$924.7M+4.0%	$889.2M+14.4%	$777.4M+9.0%	$713.1M+7.6%	$662.4M+2.2%	$648.3M-0.3%	$650.3M-4.1%	$678.0M-2.9%	$698.0M
SG&A Expenses	$681.1M	$628.5M+3.4%	$607.9M+4.1%	$584.1M+5.4%	$554.0M+5.5%	$525.2M+2.4%	$513.0M+4.1%	$492.9M+5.3%	$468.2M+4.4%	$448.3M+4.9%	$427.3M+6.6%	$400.7M+4.3%	$384.1M+4.7%	$366.9M+1.7%	$360.9M+4.5%	$345.3M
Interest Expense	$374.0M	$371.9M-13.4%	$429.3M+12.0%	$383.2M+574.7%	$56.8M+341.4%	$12.9M-69.9%	$42.8M-58.6%	$103.4M+58.1%	$65.4M+49.5%	$43.7M+32.5%	$33.0M+17.5%	$28.1M0.0%	$28.1M-9.1%	$30.9M-18.8%	$38.1M-26.7%	$51.9M
Income Tax	$168.4M	$161.1M+11.1%	$145.1M+7.8%	$134.5M+1.7%	$132.4M-9.2%	$145.7M+66.9%	$87.3M-20.0%	$109.1M+2.9%	$105.9M-4.1%	$110.5M-11.0%	$124.2M+6.5%	$116.6M-4.2%	$121.6M-1.3%	$123.2M-3.1%	$127.2M+4.7%	$121.4M
Net Income	$583.6M	$566.3M+7.6%	$526.3M+10.3%	$477.1M-2.3%	$488.4M-8.0%	$530.8M+49.9%	$354.1M-15.9%	$421.2M-2.8%	$433.5M+35.7%	$319.4M+16.0%	$275.4M+4.4%	$263.7M+0.8%	$261.8M+0.3%	$261.0M-3.1%	$269.3M+5.1%	$256.3M
EPS (Diluted)	—	$4.04+9.5%	$3.69+11.8%	$3.30-5.7%	$3.50-10.5%	$3.91+48.1%	$2.64-18.8%	$3.25-5.2%	$3.43+30.9%	$2.62+10.5%	$2.37+2.2%	$2.32-2.1%	$2.37-3.7%	$2.46-6.5%	$2.63+2.7%	$2.56

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$407.3M+2.7%	$396.5M+6.1%	$373.6M-0.1%	$374.1M+0.7%	$371.6M+2.0%	$364.4M-1.4%	$369.4M-0.7%	$372.1M
SG&A Expenses	$180.0M-0.5%	$180.8M+11.0%	$162.9M+3.4%	$157.5M+1.6%	$155.0M+1.3%	$153.1M-0.5%	$153.8M+0.5%	$153.1M
Interest Expense	$92.2M-4.6%	$96.7M+6.9%	$90.5M-4.4%	$94.6M+3.5%	$91.5M-4.0%	$95.3M-7.3%	$102.8M-6.3%	$109.7M
Income Tax	$45.8M+12.0%	$40.9M+0.6%	$40.6M-1.3%	$41.2M-2.9%	$42.4M+14.7%	$37.0M+1.0%	$36.6M-4.3%	$38.2M
Net Income	$159.8M+12.8%	$141.6M+0.7%	$140.7M-0.6%	$141.5M-7.2%	$152.5M+15.9%	$131.6M-3.3%	$136.1M-1.4%	$138.0M
EPS (Diluted)	$1.10+14.6%	$0.96	N/A	$1.06-2.8%	$1.09+17.2%	$0.93	N/A	$1.01

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.

TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.

CBSH Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

CBSH annual balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Total Assets	$32.9B+2.9%	$32.0B+0.9%	$31.7B-0.5%	$31.9B-13.1%	$36.7B+11.4%	$32.9B+26.3%	$26.1B+2.4%	$25.5B+2.5%	$24.8B-3.2%	$25.6B+4.2%	$24.6B+2.5%	$24.0B+4.0%	$23.1B+4.1%	$22.2B+7.3%	$20.6B
Cash & Equivalents	$3.5B+5.1%	$3.4B+25.6%	$2.7B+199.3%	$897.8M-79.1%	$4.3B+94.6%	$2.2B+143.3%	$907.8M-24.9%	$1.2B+136.3%	$511.8M-34.6%	$782.4M+55.6%	$502.7M-54.3%	$1.1B-13.3%	$1.3B+62.8%	$779.8M+50.7%	$517.6M
Goodwill	$146.5M0.0%	$146.5M0.0%	$146.5M+5.5%	$138.9M0.0%	$138.9M0.0%	$138.9M0.0%	$138.9M0.0%	$138.9M0.0%	$138.9M0.0%	$138.9M0.0%	$138.9M0.0%	$138.9M0.0%	$138.9M+10.6%	$125.6M0.0%	$125.6M
Total Liabilities	$29.1B+1.5%	$28.7B-0.3%	$28.7B-2.2%	$29.4B-11.6%	$33.2B+12.6%	$29.5B+28.8%	$22.9B+1.8%	$22.5B+1.9%	$22.1B-4.4%	$23.1B+4.1%	$22.2B+2.7%	$21.7B+3.8%	$20.9B+4.4%	$20.0B+8.2%	$18.5B
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$1.8M	N/A	N/A	N/A	$455.3M-9.6%	$503.7M-1.6%	$511.8M
Total Equity	$3.8B+14.5%	$3.3B+12.4%	$2.9B+19.4%	$2.5B-28.3%	$3.4B+1.2%	$3.4B+8.4%	$3.1B+6.9%	$2.9B+7.9%	$2.7B+8.8%	$2.5B+5.7%	$2.4B+1.4%	$2.3B+5.4%	$2.2B+2.0%	$2.2B0.0%	$2.2B
Retained Earnings	$131.8M+189.8%	$45.5M-14.5%	$53.2M+68.2%	$31.6M-65.8%	$92.5M+26.7%	$73.0M-63.8%	$201.6M-16.4%	$241.2M+8.9%	$221.4M-24.4%	$292.8M-23.6%	$383.3M-10.2%	$426.6M-5.2%	$449.8M-5.7%	$477.2M-17.1%	$575.4M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$35.3B-1.3%	$35.7B+8.5%	$32.9B+1.9%	$32.3B0.0%	$32.3B-0.2%	$32.4B+1.2%	$32.0B+1.6%	$31.5B
Cash & Equivalents	$2.9B-24.3%	$3.8B+8.3%	$3.5B+20.1%	$3.0B-6.1%	$3.1B-3.9%	$3.3B-3.0%	$3.4B+7.2%	$3.2B
Goodwill	$253.8M0.0%	$253.8M+73.2%	$146.5M0.0%	$146.5M0.0%	$146.5M0.0%	$146.5M0.0%	$146.5M0.0%	$146.5M
Total Liabilities	$30.9B-1.6%	$31.4B+7.9%	$29.1B+2.1%	$28.5B-0.4%	$28.6B-0.8%	$28.9B+0.7%	$28.7B+2.2%	$28.0B
Total Equity	$4.4B+1.3%	$4.3B+13.5%	$3.8B+0.5%	$3.8B+3.6%	$3.6B+4.7%	$3.5B+5.1%	$3.3B-3.6%	$3.4B
Retained Earnings	$353.0M+51.5%	$233.1M+76.8%	$131.8M-63.5%	$360.7M+40.9%	$255.9M+82.5%	$140.2M+208.2%	$45.5M-86.6%	$338.5M

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities.

CBSH Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

CBSH annual cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Operating Cash Flow	$1.3B	$645.1M+11.6%	$577.9M+18.2%	$488.8M-12.6%	$559.4M-6.4%	$597.7M-4.2%	$624.0M+21.7%	$512.8M-7.2%	$552.7M+29.6%	$426.5M-6.3%	$455.0M+56.2%	$291.2M-19.3%	$360.8M-0.3%	$361.7M-5.8%	$383.9M-5.8%	$407.4M
Capital Expenditures	$48.6M	$52.7M+14.3%	$46.1M-47.6%	$88.1M+35.1%	$65.2M+14.9%	$56.7M+71.2%	$33.1M-22.2%	$42.6M+27.9%	$33.3M+8.0%	$30.8M+25.9%	$24.5M-23.3%	$31.9M-26.9%	$43.7M+83.1%	$23.8M-31.8%	$35.0M+63.9%	$21.3M
Free Cash Flow	$1.2B	$592.4M+11.4%	$531.7M+32.7%	$400.7M-18.9%	$494.2M-8.7%	$541.0M-8.4%	$590.9M+25.7%	$470.2M-9.5%	$519.4M+31.3%	$395.7M-8.1%	$430.5M+66.0%	$259.3M-18.2%	$317.2M-6.1%	$337.9M-3.2%	$348.9M-9.6%	$386.0M
Investing Cash Flow	$320.6M	-$462.4M-195.6%	$483.8M-77.8%	$2.2B+801.4%	$242.3M+111.6%	-$2.1B+61.4%	-$5.4B-638.3%	-$730.2M-702.2%	-$91.0M-141.2%	$220.7M+127.4%	-$805.2M+32.6%	-$1.2B-12.5%	-$1.1B-48.9%	-$713.7M+38.5%	-$1.2B+46.9%	-$2.2B
Financing Cash Flow	-$1.8B	-$11.0M+97.0%	-$372.9M+57.8%	-$883.1M+79.0%	-$4.2B-217.5%	$3.6B-41.1%	$6.1B+7317.4%	-$84.1M-137.7%	$223.3M+124.1%	-$924.5M-242.4%	$649.2M+112.0%	$306.2M-42.6%	$533.0M-36.7%	$841.6M-19.0%	$1.0B-43.3%	$1.8B
Dividends Paid	$155.8M	$150.2M+3.5%	$145.1M+7.7%	$134.7M+5.7%	$127.5M+3.9%	$122.7M+1.6%	$120.8M+6.5%	$113.5M+13.2%	$100.2M+9.4%	$91.6M+5.2%	$87.1M+2.5%	$85.0M+0.9%	$84.2M+2.6%	$82.1M-61.2%	$211.6M+167.4%	$79.1M
Share Buybacks	$336.9M	$207.6M+21.8%	$170.5M+123.2%	$76.4M-59.1%	$186.6M+44.3%	$129.4M+138.8%	$54.2M-59.9%	$134.9M+79.3%	$75.2M+323.3%	$17.8M-54.9%	$39.4M+69.9%	$23.2M-67.3%	$71.0M+2.3%	$69.4M-33.9%	$104.9M+3.7%	$101.2M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$181.9M-73.4%	$684.8M+157.1%	$266.3M+106.4%	$129.0M+16.0%	$111.2M-19.8%	$138.6M+201.4%	-$136.7M-131.7%	$431.7M
Capital Expenditures	$12.8M+100.4%	$6.4M-53.6%	$13.7M-12.7%	$15.7M+47.4%	$10.7M-15.1%	$12.6M-10.2%	$14.0M+11.2%	$12.6M
Free Cash Flow	$169.1M-75.1%	$678.4M+168.6%	$252.6M+123.0%	$113.3M+12.7%	$100.5M-20.2%	$126.0M+183.6%	-$150.7M-136.0%	$419.1M
Investing Cash Flow	-$327.0M-138.1%	$859.2M+1483.8%	-$62.1M+58.5%	-$149.5M-221.9%	$122.7M+132.9%	-$373.4M+23.0%	-$484.9M-104.6%	-$237.0M
Financing Cash Flow	-$790.3M+36.7%	-$1.2B-420.7%	$389.3M+326.9%	-$171.6M+52.5%	-$361.5M-372.3%	$132.7M-84.3%	$847.4M+106.4%	$410.6M
Dividends Paid	$40.7M-2.7%	$41.9M+15.6%	$36.2M-2.1%	$37.0M-5.4%	$39.1M+3.3%	$37.9M+9.5%	$34.6M-14.3%	$40.4M
Share Buybacks	$112.1M+33.0%	$84.3M-26.9%	$115.3M+357.1%	$25.2M+112.6%	$11.9M-78.5%	$55.2M+17.6%	$46.9M+7.4%	$43.7M

CBSH Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

CBSH annual financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Net Margin	38.2%+2.3pp	35.8%+1.3pp	34.5%-14.4pp	48.9%-13.7pp	62.6%+22.0pp	40.6%-5.0pp	45.6%-3.2pp	48.8%+7.7pp	41.1%+2.5pp	38.6%-1.2pp	39.8%-0.6pp	40.4%+0.3pp	40.1%+0.4pp	39.7%+3.0pp	36.7%
Return on Equity	14.9%-1.0pp	15.9%-0.3pp	16.2%-3.6pp	19.8%+4.4pp	15.4%+5.0pp	10.4%-3.0pp	13.4%-1.4pp	14.8%+3.0pp	11.8%+0.7pp	11.0%-0.1pp	11.2%-0.1pp	11.2%-0.6pp	11.8%-0.6pp	12.4%+0.6pp	11.8%
Return on Assets	1.7%+0.1pp	1.6%+0.1pp	1.5%0.0pp	1.5%+0.1pp	1.5%+0.4pp	1.1%-0.5pp	1.6%-0.1pp	1.7%+0.4pp	1.3%+0.2pp	1.1%0.0pp	1.1%0.0pp	1.1%0.0pp	1.1%-0.1pp	1.2%0.0pp	1.2%
Debt-to-Equity	7.68-1.0x	8.66-1.1x	9.76-2.2x	11.92+2.3x	9.67+1.0x	8.69+1.4x	7.31-0.4x	7.68+7.7x	0.00-9.3x	9.27-0.1x	9.41+0.1x	9.30+9.1x	0.210.0x	0.230.0x	0.24
FCF Margin	39.9%+3.7pp	36.2%+7.2pp	29.0%-20.5pp	49.5%-14.3pp	63.8%-3.9pp	67.7%+16.9pp	50.8%-7.6pp	58.4%+7.5pp	50.9%-9.5pp	60.4%+21.2pp	39.1%-9.8pp	48.9%-3.0pp	52.0%+0.5pp	51.5%-3.9pp	55.3%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Net Margin	39.2%+3.5pp	35.7%-1.9pp	37.6%-0.2pp	37.8%-3.2pp	41.0%+4.9pp	36.1%-0.7pp	36.9%-0.2pp	37.1%
Return on Equity	3.7%+0.4pp	3.3%-0.4pp	3.7%0.0pp	3.8%-0.4pp	4.2%+0.4pp	3.8%-0.3pp	4.1%+0.1pp	4.0%
Return on Assets	0.4%0.0pp	0.4%0.0pp	0.4%0.0pp	0.4%0.0pp	0.5%+0.1pp	0.4%0.0pp	0.4%0.0pp	0.4%
Debt-to-Equity	7.09-0.2x	7.30-0.4x	7.68+0.1x	7.56-0.3x	7.86-0.4x	8.30-0.4x	8.66+0.5x	8.17
FCF Margin	41.5%	171.1%	67.6%+37.3pp	30.3%+3.2pp	27.1%-7.5pp	34.6%+75.4pp	-40.8%	112.6%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Old Natl Bancorp Ind ONB

$10.4B

Cullen Frost Bankers Inc CFR

$10.6B

Zions Bancorporation N A ZION

$10.5B

Popular Inc BPOP

$11.3B

Pinnacle Finl Partners Inc PNFP

$16.3B

Where Commerce Bancs Ranks

Frequently Asked Questions

What is Commerce Bancs's annual revenue?

Commerce Bancs (CBSH) reported $1.5B in total revenue for fiscal year 2025. This represents a 1.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Commerce Bancs's revenue growing?

Commerce Bancs (CBSH) revenue grew by 1.0% year-over-year, from $1.5B to $1.5B in fiscal year 2025.

Is Commerce Bancs profitable?

Yes, Commerce Bancs (CBSH) reported a net income of $566.3M in fiscal year 2025, with a net profit margin of 38.2%.

What is Commerce Bancs's net profit margin?

Commerce Bancs (CBSH) had a net profit margin of 38.2% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Commerce Bancs pay dividends?

Yes, Commerce Bancs (CBSH) paid $1.05 per share in dividends during fiscal year 2025.

What is Commerce Bancs's return on equity (ROE)?

Commerce Bancs (CBSH) has a return on equity of 14.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Commerce Bancs's free cash flow?

Commerce Bancs (CBSH) generated $592.4M in free cash flow during fiscal year 2025. This represents a 11.4% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Commerce Bancs's operating cash flow?

Commerce Bancs (CBSH) generated $645.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Commerce Bancs's total assets?

Commerce Bancs (CBSH) had $32.9B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Commerce Bancs's capital expenditures?

Commerce Bancs (CBSH) invested $52.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Commerce Bancs buy back shares?

Yes, Commerce Bancs (CBSH) spent $207.6M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

What is Commerce Bancs's debt-to-equity ratio?

Commerce Bancs (CBSH) had a debt-to-equity ratio of 7.68 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Commerce Bancs's return on assets (ROA)?

Commerce Bancs (CBSH) had a return on assets of 1.7% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Commerce Bancs's Piotroski F-Score?

Commerce Bancs (CBSH) has a Piotroski F-Score of 4 out of 5 computable signals; 4 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Commerce Bancs's earnings high quality?

Commerce Bancs (CBSH) has an earnings quality ratio of 1.14x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Commerce Bancs?

Commerce Bancs (CBSH) scores 66 out of 100 on our Financial Health Score, indicating strong standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.