52.64 USD
-0.23 (-0.44%)
At close: Jan 30, 2026
52.64 USD
0 (0%)
After Hours: 1/30/2026, 8:00:02 PM
Overall CBSH gets a fundamental rating of 3 out of 10. We evaluated CBSH against 383 industry peers in the Banks industry. While CBSH is still in line with the averages on profitability rating, there are concerns on its financial health. CBSH does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
- CBSH had positive earnings in the past year.
- In the past year CBSH had a positive cash flow from operations.
- Of the past 5 years CBSH 4 years were profitable.
- CBSH had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- With an excellent Return On Assets value of 1.72%, CBSH belongs to the best of the industry, outperforming 92.95% of the companies in the same industry.
- Looking at the Return On Equity, with a value of 14.75%, CBSH belongs to the top of the industry, outperforming 92.95% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.72% | ||
| ROE | 14.75% | ||
| ROIC | N/A |
ROA(3y)1.55%
ROA(5y)1.42%
ROE(3y)17.15%
ROE(5y)15.34%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- Looking at the Profit Margin, with a value of 32.00%, CBSH belongs to the top of the industry, outperforming 84.60% of the companies in the same industry.
- In the last couple of years the Profit Margin of CBSH has remained more or less at the same level.
- The Operating Margin and Gross Margin are not available for CBSH so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 32% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.28%
PM growth 5Y0.71%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- CBSH does not have a ROIC to compare to the WACC, probably because it is not profitable.
- There is no outstanding debt for CBSH. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
- CBSH has a debt to FCF ratio of 13.13. This is a negative value and a sign of low solvency as CBSH would need 13.13 years to pay back of all of its debts.
- CBSH has a worse Debt to FCF ratio (13.13) than 79.90% of its industry peers.
- A Debt/Equity ratio of 0.66 indicates that CBSH is somewhat dependend on debt financing.
- The Debt to Equity ratio of CBSH (0.66) is worse than 80.16% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.66 | ||
| Debt/FCF | 13.13 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.84%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 9.65% over the past year.
- Measured over the past years, CBSH shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.79% on average per year.
EPS 1Y (TTM)9.65%
EPS 3Y6.69%
EPS 5Y12.79%
EPS Q2Q%5%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%6.46%
3.2 Future
- CBSH is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.72% yearly.
- Based on estimates for the next years, CBSH will show a small growth in Revenue. The Revenue will grow by 7.24% on average per year.
EPS Next Y4.55%
EPS Next 2Y6.72%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.53%
Revenue Next 2Y7.78%
Revenue Next 3Y7.24%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 13.03, the valuation of CBSH can be described as correct.
- CBSH's Price/Earnings is on the same level as the industry average.
- The average S&P500 Price/Earnings ratio is at 28.32. CBSH is valued rather cheaply when compared to this.
- Based on the Price/Forward Earnings ratio of 12.47, the valuation of CBSH can be described as correct.
- 62.14% of the companies in the same industry are cheaper than CBSH, based on the Price/Forward Earnings ratio.
- CBSH is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.03 | ||
| Fwd PE | 12.47 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, CBSH is valued more expensive than 80.42% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 38.7 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)2.86
PEG (5Y)1.02
EPS Next 2Y6.72%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.98%, CBSH has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.67, CBSH is paying slightly less dividend.
- Compared to an average S&P500 Dividend Yield of 1.83, CBSH has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.98% |
5.2 History
- The dividend of CBSH has a limited annual growth rate of 1.95%.
- CBSH has paid a dividend for at least 10 years, which is a reliable track record.
- CBSH has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)1.95%
Div Incr Years24
Div Non Decr Years24
5.3 Sustainability
- 26.71% of the earnings are spent on dividend by CBSH. This is a low number and sustainable payout ratio.
- The dividend of CBSH is growing, but earnings are growing more, so the dividend growth is sustainable.
DP26.71%
EPS Next 2Y6.72%
EPS Next 3YN/A
COMMERCE BANCSHARES INC / CBSH FAQ
Can you provide the ChartMill fundamental rating for COMMERCE BANCSHARES INC?
ChartMill assigns a fundamental rating of 3 / 10 to CBSH.
What is the valuation status for CBSH stock?
ChartMill assigns a valuation rating of 2 / 10 to COMMERCE BANCSHARES INC (CBSH). This can be considered as Overvalued.
Can you provide the profitability details for COMMERCE BANCSHARES INC?
COMMERCE BANCSHARES INC (CBSH) has a profitability rating of 4 / 10.
Can you provide the PE and PB ratios for CBSH stock?
The Price/Earnings (PE) ratio for COMMERCE BANCSHARES INC (CBSH) is 13.03 and the Price/Book (PB) ratio is 1.94.
What is the earnings growth outlook for COMMERCE BANCSHARES INC?
The Earnings per Share (EPS) of COMMERCE BANCSHARES INC (CBSH) is expected to grow by 4.55% in the next year.