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Commerce Bancshares, Inc. (CBSH)

NEUTRAL
Financial ServicesBanks - RegionalUnited States

基本面

61

价格

$58.20

市值

$8.44B

第一部分 · 这家公司值多少

概览

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

No editorial profile for this company yet

No competitor list for this company yet.

资产负债表与流动性

营收

$1.86B

最近12个月(截至2026/6/30)

净利润

$584M

最近12个月(截至2026/6/30)

自由现金流

$592M

股东权益合计

$3.79B

负债合计

$29.10B

流动比率

-

利息覆盖率

0.64

债务/EBITDA

-

每股收益

营收与净利润

自由现金流

收入构成

历史财务表

利润率变化

债务变化

增长一览表

增长 — 营业收入

公允价值估算

Bank合理估值

公允价值

$59.90

当前价格

$58.20

安全边际

+2.8%

公允价值区间

$44.48 - $75.31

估算方法

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
分析师共识:买入 (6B / 9H / 0S)
最近财报超预期:+2.12%

估值指标

市盈率(P/E)

14.37

ROE

14.9%

市净率(P/B)

1.93

P/FCF

6.93

毛利率

-

ROIC

-

盈利能力雷达图

Value Creation (Economic Moat)

ROIC

-

WACC

9.6%

ROIC − WACC

-

基本面分析标准

通过(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

未通过(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%

不可用(5)

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

Piotroski F-评分

7/9

财务状况强健

score
criteria

盈利质量

2.16

高质量:盈利有现金流支撑

股权稀释

-1.7%

正在回购股份,对股东友好

公司治理

管理团队

姓名职位年龄
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

审计风险

2

董事会风险

5

薪酬风险

5

股东权利风险

7

第二部分 · 价格与买入时机

这一部分不判断公司是否值得拥有:它帮助你在基本面说服你之后,选择何时买入。包含:技术分析、潜力、历史回撤、Gamma 敞口。

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