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Commerce Bancshares, Inc. (CBSH)

NEUTRAL
Financial ServicesBanks - RegionalUnited States

Fundamental

61

Precio

$58.08

Capitalización Bursátil

$8.44B

Parte 1 · Cuánto vale la empresa

Resumen

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 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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Direct competitors

Who this company fights with for the same customers

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No competitor list for this company yet.

Balance y Liquidez

Ingresos

$1.86B

Últimos 12 meses (hasta 30/6/2026)

Beneficio Neto

$584M

Últimos 12 meses (hasta 30/6/2026)

Flujo de Caja Libre

$592M

Patrimonio Neto Total

$3.79B

Pasivo Total

$29.10B

Ratio de Liquidez

-

Cobertura de Intereses

0.64

Deuda/EBITDA

-

Beneficio Por Acción

Ingresos y Beneficio Neto

Flujo de Caja Libre

Desglose de Ingresos

Estado histórico

Márgenes en el tiempo

La deuda en el tiempo

Cuadro de crecimiento

Crecimiento — Ingresos

Estimación de Valor Justo

BankValoración Justa

Valor Justo

$59.90

Precio Actual

$58.08

Margen de Seguridad

+3.0%

Rango de Valor Justo

$44.48 - $75.31

Métodos de Estimación

Analyst price target:$65.33
Discounted cash flow (DCF):Not applicable to this type of company
Earnings multiple (P/E):$54.58
Graham growth formula:Not applicable to this type of company
Earnings power value (EPV):Not applicable to this type of company
Justified P/B:$71.51
Dividend discount (Gordon):$28.02
P/FFO, funds from operations:Not applicable to this type of company
Mid-cycle earnings:Not applicable to this type of company
Revenue multiple:Not applicable to this type of company
Consenso de Analistas:Comprar (6B / 9H / 0S)
Última Sorpresa de Resultados:+2.12%

Métricas de Valoración

Ratio P/E

14.37

ROE

14.9%

Ratio P/B

1.93

P/FCF

6.93

Margen Bruto

-

ROIC

-

Radar de Rentabilidad

Value Creation (Economic Moat)

ROIC

-

WACC

9.6%

ROIC − WACC

-

Criterios de Análisis Fundamental

Superado (13)

  • EPS shows upward trend
  • P/FCF 6.93
  • P/B Ratio 1.93
  • Operating Margin 40.7%
  • Positive Free Cash Flow
  • CapEx intensity
  • Low reliance on intangibles
  • ROE 14.4%
  • Revenue Growth 5Y 5.1%
  • PEG Ratio 1.43
  • Earnings Quality (OCF/NI) 2.16
  • Share Dilution -1.7%
  • Piotroski F-Score 7/9

Fallido (10)

  • EPS CAGR 3.53%
  • Price CAGR 3.07%
  • Debt/Equity ratio
  • Interest Coverage
  • Return on Tangible Assets
  • Price below Graham Number
  • DCF valuation (Fairly valued)
  • Analyst Consensus 40% Buy
  • Earnings Surprise avg 1.0%
  • Net Margin Trend 31.3% vs 32.5%

No disponible (5)

  • ROIC NaN%
  • Gross Margin NaN%
  • Dividend Payout NaN%
  • Current Ratio
  • Debt/EBITDA

Piotroski F-Score

7/9

Solidez financiera fuerte

score
criteria

Calidad de los Beneficios

2.16

Alta calidad: beneficios respaldados por efectivo

Dilución de Acciones

-1.7%

Recomprando acciones. Favorable para el accionista

Gobernanza

Equipo Directivo

NombreCargoEdad
Mr. John W. KemperPresident, CEO & Director47
Mr. Charles G. KimExecutive VP & CFO64
Mr. Kevin Gene BarthExecutive Vice President64
Mr. Robert S. HolmesExecutive Vice President61
Mr. John Koeneman HandyExecutive Vice President61
Mr. David W. KemperExecutive Chairman74
Mr. Steven A. BrandjordCorporate Controller & Chief Accounting Officer-
Mr. Matthew BurkemperDirector of Finance, Corporate Development & Investor Relations-
Ms. Margaret M. RoweSenior VP, General Counsel, Secretary & Executive Director of Corporate Risk Management60
Mr. Douglas D. NeffSenior Vice President56

Riesgo de Auditoría

2

Riesgo del Consejo

5

Riesgo de Compensación

5

Riesgo de Derechos del Accionista

7

Parte 2 · El precio y el momento de entrar

Esta parte no sirve para saber si la empresa vale: sirve para elegir cuándo comprarla, una vez que los fundamentales te han convencido. Dentro: análisis técnico, potencial, caídas históricas, exposición gamma.

Latest News

Recent headlines for CBSH, sourced from Markets Gazette.

  • 2/26/2026POSITIVE
    Waterford Advisors Loads Up on CBSH, Buying 44,000 Shares

    Waterford Advisors has significantly increased its stake in Commerce Bancshares Inc., acquiring a substantial 44,000 shares of the company. This strategic move by a financial advisor of this stature signals strong confidence in the bank's future prospects. Commerce Bancshares, recognized for its diversified banking and wealth management services, operates a robust network of 287 locations across the Midwest. Waterford's substantial investment could be interpreted by the market as a positive indicator, suggesting that institutional investors perceive value and growth potential in Commerce Bancshares' business model and regional coverage. This development might attract further investor attention, potentially influencing the stock's valuation positively in the short to medium term.

via Markets Gazette