Commerce Bancshares Inc (CBSH)

Commerce Bancshares, Inc. is a bank holding company for Commerce Bank and its NASDAQ-listed common stock trades under the ticker CBSH. The company provides a broad range of financial services to individuals and businesses in the United States through three operating segments: Retail Banking, Commercial, and Wealth. Its retail activities include consumer deposits, a variety of consumer and real estate loan products, retail branch banking, mortgage banking, consumer financing, and debit and credit card services. The commercial segment serves business and institutional clients with corporate lending, leasing, international banking, cash management, merchant services, securities safekeeping, and bond accounting. The wealth segment includes trust and estate planning, investment management, brokerage, and private banking services. Commerce Bancshares also offers specialty lending, insurance agency, securities brokerage, private equity investments, and online and mobile banking services. Founded in 1865 and headquartered in Kansas City, Missouri, the company has a long-standing presence in U.S. banking.


Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NASDAQ-CBSH
$73.03
30.3% Upside
Undervalued
$64.39
14.8% Upside
Fair
Good
2.0%
January 21, 2027
13.5x
1.9x
4.2x
7.964 B
23.6%
91.0%
-1.3
26.7%
209.9%
Valuation • Fair Value

Commerce Bancshares Inc (NASDAQ-CBSH) Fair Value by Valuation Model

Review the available estimates for Commerce Bancshares Inc (NASDAQ-CBSH), including Ben Graham Formula Value, DDM Fair Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$73.03

Estimated upside of 30.3% versus the current market price.

Fair Value Confidence

High

Confidence level for the primary fair value estimate.

Ben Graham Formula Value

$45.17

Classic Ben Graham valuation formula reference.

DDM Fair Value

$102.67

Dividend discount model valuation reference.

Comps Fair Value

$53.27

Comparable-company valuation reference.

Analyst Price Target

$64.39

Analysts imply upside of 14.8%.

How to read these valuation models

Use the 6 available valuation references for Commerce Bancshares Inc (NASDAQ-CBSH) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for Commerce Bancshares Inc (NASDAQ-CBSH)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

1.904 B

Current operating scale indicator.

Revenue Forecast

1.976 B

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

How to read profitability and growth

This section helps investors review Commerce Bancshares Inc (NASDAQ-CBSH) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Commerce Bancshares Inc (NASDAQ-CBSH)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Good

Positive financial-health read.

Piotroski Score

5

Mid-range quality score.

Altman Z-Score

-1.3

Lower score that deserves closer risk review.

FCF / Net Income

209.9%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Commerce Bancshares Inc (NASDAQ-CBSH). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Commerce Bancshares Inc (NASDAQ-CBSH)

Track the upcoming dates and dividend metrics currently supported by the latest data.

Next Earnings Date

January 21, 2027

Days to Earnings

89

Dividend Yield

2.0%

Current income yield reference.

Payout Ratio

26.7%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for Commerce Bancshares Inc (NASDAQ-CBSH), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Commerce Bancshares Inc (NASDAQ-CBSH) Stock Forecast & Technical Outlook

Review Commerce Bancshares Inc (NASDAQ-CBSH) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Sell

The 15-minute technical read for Commerce Bancshares Inc (NASDAQ-CBSH) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Buy

The 1-hour technical read for Commerce Bancshares Inc (NASDAQ-CBSH) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for Commerce Bancshares Inc (NASDAQ-CBSH) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Neutral

The weekly technical read for Commerce Bancshares Inc (NASDAQ-CBSH) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Commerce Bancshares Inc (NASDAQ-CBSH) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Commerce Bancshares Inc (NASDAQ-CBSH)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Hold

Based on the available recommendation mix, Commerce Bancshares Inc (NASDAQ-CBSH) has a Hold consensus, with 1 buy, 8 hold and 0 sell recommendations in the current data set.

Buy 1
Hold 8
Sell 0
FAQ • Fast Investor Answers

Commerce Bancshares Inc (NASDAQ-CBSH) Stock FAQ

Data-supported answers about Commerce Bancshares Inc (NASDAQ-CBSH), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$73.03
Estimated upside 30.3%
Valuation Rating
Undervalued
Estimated upside of 30.3%
Analyst Target
$64.39
Implied upside 14.8%
Financial Health
Good
Current financial-health read

The current fair value estimate for Commerce Bancshares Inc (NASDAQ-CBSH) is $73.03. This implies an estimated upside of 30.3% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 30.3% versus the current market price.

The available analyst price target for Commerce Bancshares Inc (NASDAQ-CBSH) is $64.39. The analyst target implies estimated upside of 14.8%.

The current financial health read for Commerce Bancshares Inc (NASDAQ-CBSH) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Commerce Bancshares Inc (NASDAQ-CBSH) is January 21, 2027.

Based on the current data, dividend yield is 2.0%.

The current P/E ratio listed for Commerce Bancshares Inc (NASDAQ-CBSH) is 13.5x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Commerce Bancshares Inc is 7.964 B.

The ticker symbol for Commerce Bancshares Inc is NASDAQ-CBSH, and the stock is listed on NASDAQ.

Commerce Bancshares Inc (NASDAQ-CBSH) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for Commerce Bancshares Inc is 23.6%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Commerce Bancshares Inc is 91.0%. Free float helps investors understand how much of the share base is available for public trading.