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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 10.27
CBSH's Cash to Debt is ranked higher than
85% of the 1540 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. CBSH: 10.27 )
CBSH' s 10-Year Cash to Debt Range
Min: 0.6   Max: 135.86
Current: 10.27

0.6
135.86
Equity to Asset 0.10
CBSH's Equity to Asset is ranked higher than
72% of the 1964 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. CBSH: 0.10 )
CBSH' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.11
Current: 0.1

0.09
0.11
Interest Coverage 13.64
CBSH's Interest Coverage is ranked higher than
97% of the 1812 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.31 vs. CBSH: 13.64 )
CBSH' s 10-Year Interest Coverage Range
Min: 0.61   Max: 13.64
Current: 13.64

0.61
13.64
F-Score: 5
Z-Score: 0.23
WACC vs ROIC
8.70%
17.18%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating margin (%) 35.76
CBSH's Operating margin (%) is ranked higher than
83% of the 1989 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.94 vs. CBSH: 35.76 )
CBSH' s 10-Year Operating margin (%) Range
Min: 23.63   Max: 38.45
Current: 35.76

23.63
38.45
Net-margin (%) 24.46
CBSH's Net-margin (%) is ranked higher than
81% of the 1989 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.75 vs. CBSH: 24.46 )
CBSH' s 10-Year Net-margin (%) Range
Min: 16.5   Max: 26.73
Current: 24.46

16.5
26.73
ROE (%) 11.52
CBSH's ROE (%) is ranked higher than
86% of the 1999 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.78 vs. CBSH: 11.52 )
CBSH' s 10-Year ROE (%) Range
Min: 9.77   Max: 16.15
Current: 11.52

9.77
16.15
ROA (%) 1.13
CBSH's ROA (%) is ranked higher than
86% of the 2001 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CBSH: 1.13 )
CBSH' s 10-Year ROA (%) Range
Min: 0.95   Max: 1.59
Current: 1.13

0.95
1.59
ROC (Joel Greenblatt) (%) 108.96
CBSH's ROC (Joel Greenblatt) (%) is ranked higher than
82% of the 1963 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.79 vs. CBSH: 108.96 )
CBSH' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 59.51   Max: 173.88
Current: 108.96

59.51
173.88
Revenue Growth (3Y)(%) 3.00
CBSH's Revenue Growth (3Y)(%) is ranked higher than
80% of the 1665 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. CBSH: 3.00 )
CBSH' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 13.1
Current: 3

0
13.1
EBITDA Growth (3Y)(%) -1.40
CBSH's EBITDA Growth (3Y)(%) is ranked higher than
65% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. CBSH: -1.40 )
CBSH' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 16.1
Current: -1.4

0
16.1
EPS Growth (3Y)(%) 2.30
CBSH's EPS Growth (3Y)(%) is ranked higher than
67% of the 1520 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. CBSH: 2.30 )
CBSH' s 10-Year EPS Growth (3Y)(%) Range
Min: -8   Max: 17.7
Current: 2.3

-8
17.7
» CBSH's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q4 2013

CBSH Guru Trades in Q4 2013

Third Avenue Management 436,933 sh (+5.31%)
Jim Simons 101,766 sh (-13.51%)
» More
Q1 2014

CBSH Guru Trades in Q1 2014

Third Avenue Management 463,588 sh (+6.1%)
Jim Simons 80,066 sh (-21.32%)
» More
Q2 2014

CBSH Guru Trades in Q2 2014

Third Avenue Management 555,166 sh (+19.75%)
Jim Simons Sold Out
» More
Q3 2014

CBSH Guru Trades in Q3 2014

Third Avenue Management 555,166 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with CBSH

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Third Avenue Management 2013-09-30 Reduce -24.81%0.11%$38.62 - $42.73 $ 40-2%414898.05
Third Avenue Management 2013-06-30 Add 64.85%0.18%$34.9 - $40.36 $ 406%551765.55
Third Avenue Management 2013-03-31 New Buy0.25%$31.8 - $37.04 $ 4016%334702.2
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of Commerce Bancshares Inc

SymbolPriceYieldDescription
CBSHP25.582.641/1000th 6 % Non-Cum Perp Pfd Shs Series -B-

Ratios

vs
industry
vs
history
P/E(ttm) 15.30
CBSH's P/E(ttm) is ranked higher than
77% of the 2671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.10 vs. CBSH: 15.30 )
CBSH' s 10-Year P/E(ttm) Range
Min: 11.65   Max: 22.07
Current: 15.3

11.65
22.07
Forward P/E 13.12
CBSH's Forward P/E is ranked higher than
81% of the 2671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.78 vs. CBSH: 13.12 )
N/A
PE(NRI) 15.30
CBSH's PE(NRI) is ranked higher than
77% of the 2671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.10 vs. CBSH: 15.30 )
CBSH' s 10-Year PE(NRI) Range
Min: 11.59   Max: 22
Current: 15.3

11.59
22
P/B 1.76
CBSH's P/B is ranked higher than
66% of the 2671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. CBSH: 1.76 )
CBSH' s 10-Year P/B Range
Min: 1.36   Max: 2.73
Current: 1.76

1.36
2.73
P/S 3.64
CBSH's P/S is ranked higher than
73% of the 2671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.64 vs. CBSH: 3.64 )
CBSH' s 10-Year P/S Range
Min: 2.29   Max: 6.05
Current: 3.64

2.29
6.05
PFCF 15.63
CBSH's PFCF is ranked higher than
83% of the 2671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CBSH: 15.63 )
CBSH' s 10-Year PFCF Range
Min: 4.11   Max: 44.46
Current: 15.63

4.11
44.46
POCF 13.75
CBSH's POCF is ranked higher than
81% of the 2671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 122.20 vs. CBSH: 13.75 )
CBSH' s 10-Year POCF Range
Min: 4   Max: 28.61
Current: 13.75

4
28.61
EV-to-EBIT 7.94
CBSH's EV-to-EBIT is ranked higher than
92% of the 2671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.28 vs. CBSH: 7.94 )
CBSH' s 10-Year EV-to-EBIT Range
Min: 6.2   Max: 21.5
Current: 7.94

6.2
21.5
PEG 5.28
CBSH's PEG is ranked higher than
85% of the 2671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CBSH: 5.28 )
CBSH' s 10-Year PEG Range
Min: 0.97   Max: 12.48
Current: 5.28

0.97
12.48
Shiller P/E 16.58
CBSH's Shiller P/E is ranked higher than
89% of the 2671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CBSH: 16.58 )
CBSH' s 10-Year Shiller P/E Range
Min: 10.58   Max: 19.51
Current: 16.58

10.58
19.51

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.17
CBSH's Dividend Yield is ranked lower than
53% of the 1898 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.37 vs. CBSH: 2.17 )
CBSH' s 10-Year Dividend Yield Range
Min: 1.57   Max: 3.2
Current: 2.17

1.57
3.2
Dividend Payout 0.32
CBSH's Dividend Payout is ranked higher than
77% of the 2671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.59 vs. CBSH: 0.32 )
CBSH' s 10-Year Dividend Payout Range
Min: 0.21   Max: 0.43
Current: 0.32

0.21
0.43
Dividend growth (3y) 4.30
CBSH's Dividend growth (3y) is ranked higher than
75% of the 1099 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.10 vs. CBSH: 4.30 )
CBSH' s 10-Year Dividend growth (3y) Range
Min: 3.5   Max: 19.1
Current: 4.3

3.5
19.1
Yield on cost (5-Year) 2.66
CBSH's Yield on cost (5-Year) is ranked higher than
50% of the 1911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 vs. CBSH: 2.66 )
CBSH' s 10-Year Yield on cost (5-Year) Range
Min: 1.9   Max: 3.87
Current: 2.66

1.9
3.87
Share Buyback Rate 2.30
CBSH's Share Buyback Rate is ranked higher than
93% of the 1423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. CBSH: 2.30 )
CBSH' s 10-Year Share Buyback Rate Range
Min: 4.6   Max: -1
Current: 2.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.89
CBSH's Price/Tangible Book is ranked higher than
68% of the 2671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. CBSH: 1.89 )
CBSH' s 10-Year Price/Tangible Book Range
Min: 1.58   Max: 2.99
Current: 1.89

1.58
2.99
Price/DCF (Projected) 0.69
CBSH's Price/DCF (Projected) is ranked higher than
85% of the 2671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.31 vs. CBSH: 0.69 )
CBSH' s 10-Year Price/DCF (Projected) Range
Min: 0.65   Max: 1.22
Current: 0.69

0.65
1.22
Price/Median PS Value 0.96
CBSH's Price/Median PS Value is ranked higher than
88% of the 2671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. CBSH: 0.96 )
CBSH' s 10-Year Price/Median PS Value Range
Min: 0.78   Max: 4.39
Current: 0.96

0.78
4.39
Price/Peter Lynch Fair Value 2.81
CBSH's Price/Peter Lynch Fair Value is ranked higher than
88% of the 2671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CBSH: 2.81 )
CBSH' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.55   Max: 3.06
Current: 2.81

0.55
3.06
Price/Graham Number 1.08
CBSH's Price/Graham Number is ranked higher than
74% of the 2671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. CBSH: 1.08 )
CBSH' s 10-Year Price/Graham Number Range
Min: 0.91   Max: 1.64
Current: 1.08

0.91
1.64
Earnings Yield (Greenblatt) 12.60
CBSH's Earnings Yield (Greenblatt) is ranked higher than
90% of the 1976 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. CBSH: 12.60 )
CBSH' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.7   Max: 16
Current: 12.6

4.7
16
Forward Rate of Return (Yacktman) 15.04
CBSH's Forward Rate of Return (Yacktman) is ranked higher than
73% of the 1245 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.46 vs. CBSH: 15.04 )
CBSH' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 2.9   Max: 25.5
Current: 15.04

2.9
25.5

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:CB5.Germany,
Commerce Bancshares, Inc. was incorporated under the laws of Missouri on August 4, 1966. It is a bank holding company which through its subsidiary, it is engaged in general banking business, providing a broad range of retail, corporate, investment, trust, and asset management products and services to individuals and businesses. The Company also owns, directly or through the bank, various non-banking subsidiaries. Their activities include underwriting credit life and credit accident and health insurance, selling property and casualty insurance, private equity investment, securities brokerage, mortgage banking, and leasing activities. The Company is managed in three operating segments. The Consumer segment includes the retail branch network, consumer installment lending, personal mortgage banking, consumer debit and credit bank card activities, and student lending. It provides services through a network of 202 full-service branches, a widespread ATM network of 398 machines, and the use of alternative delivery channels such as extensive online banking and telephone banking services. The Commercial segment provides corporate lending, merchant and commercial bank card products, leasing, and international services, as well as business and government deposit and cash management services. Fixed income investments are sold to individuals and institutional investors through the Capital Markets Group, which is also included in this segment. The Wealth segment provides traditional trust and estate tax planning services, brokerage services, and advisory and discretionary investment portfolio management services to both personal and institutional corporate customers. This segment also manages the Company's family of proprietary mutual funds, which are available for sale to both trust and general retail customers. The Company's locations in regional markets throughout Missouri, Kansas, central Illinois, Tulsa, Oklahoma, and Denver, Colorado, face intense competition from hundreds of financial service providers. The Company competes with national and state banks for deposits, loans and trust accounts, and with savings and loan associations and credit unions for deposits and consumer lending products. The Company, as a bank holding company, is primarily regulated by the Board of Governors of the Federal Reserve System.
» More Articles for CBSH

Headlines

Articles On GuruFocus.com
20 Dividend Champions with Highest YTD Performance and Still Low P/Es Jul 05 2013 
My 3 Favorite Dividend Champions with Highest Profit Margins May 09 2013 
19 High-Quality Dividend Stocks Cheaper Than LinkedIn May 19 2011 
Commerce Bancshares Inc. Reports Operating Results (10-K) Feb 25 2011 
Commerce Bancshares Inc. (CBSH) Chairman of the Board, CEO David W Kemper sells 4,759 Shares Feb 18 2011 
16 Dividend Stocks Growing Future Yield Feb 07 2011 
Commerce Bancshares Inc. (CBSH) Chairman of the Board, CEO David W Kemper sells 14,484 Shares Jan 19 2011 
Commerce Bancshares Inc. (CBSH) Vice Chairman Seth M Leadbeater sells 26,367 Shares Jan 19 2011 
Commerce Bancshares Inc. (CBSH) Chairman of the Board, CEO David W Kemper sells 8,364 Shares Dec 16 2010 
Commerce Bancshares Inc. Reports Operating Results (10-Q) Nov 08 2010 


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