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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 : 4/10

vs
industry
vs
history
Cash to Debt 5.20
CBSH's Cash to Debt is ranked higher than
62% of the 970 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. CBSH: 5.20 )
Ranked among companies with meaningful Cash to Debt only.
CBSH' s 10-Year Cash to Debt Range
Min: 0.4  Med: 4.01 Max: 173.56
Current: 5.2
0.4
173.56
Equity to Asset 0.10
CBSH's Equity to Asset is ranked higher than
50% of the 1323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CBSH: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
CBSH' s 10-Year Equity to Asset Range
Min: 0.09  Med: 0.10 Max: 0.11
Current: 0.1
0.09
0.11
Interest Coverage 13.64
CBSH's Interest Coverage is ranked higher than
92% of the 1239 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. CBSH: 13.64 )
Ranked among companies with meaningful Interest Coverage only.
CBSH' s 10-Year Interest Coverage Range
Min: 0.61  Med: 1.01 Max: 13.64
Current: 13.64
0.61
13.64
F-Score: 5
WACC vs ROIC
10.04%
15.31%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 35.72
CBSH's Operating margin (%) is ranked higher than
65% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. CBSH: 35.72 )
Ranked among companies with meaningful Operating margin (%) only.
CBSH' s 10-Year Operating margin (%) Range
Min: 23.63  Med: 35.78 Max: 38.45
Current: 35.72
23.63
38.45
Net-margin (%) 24.31
CBSH's Net-margin (%) is ranked higher than
59% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. CBSH: 24.31 )
Ranked among companies with meaningful Net-margin (%) only.
CBSH' s 10-Year Net-margin (%) Range
Min: 16.5  Med: 24.22 Max: 26.73
Current: 24.31
16.5
26.73
ROE (%) 10.99
CBSH's ROE (%) is ranked higher than
70% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.16 vs. CBSH: 10.99 )
Ranked among companies with meaningful ROE (%) only.
CBSH' s 10-Year ROE (%) Range
Min: 9.77  Med: 13.93 Max: 16.15
Current: 10.99
9.77
16.15
ROA (%) 1.11
CBSH's ROA (%) is ranked higher than
68% of the 1399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. CBSH: 1.11 )
Ranked among companies with meaningful ROA (%) only.
CBSH' s 10-Year ROA (%) Range
Min: 0.95  Med: 1.33 Max: 1.59
Current: 1.11
0.95
1.59
ROC (Joel Greenblatt) (%) 107.73
CBSH's ROC (Joel Greenblatt) (%) is ranked higher than
61% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.24 vs. CBSH: 107.73 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
CBSH' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 59.51  Med: 94.82 Max: 173.88
Current: 107.73
59.51
173.88
Revenue Growth (3Y)(%) 3.00
CBSH's Revenue Growth (3Y)(%) is ranked higher than
56% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. CBSH: 3.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CBSH' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 5.60 Max: 13.1
Current: 3
0
13.1
EBITDA Growth (3Y)(%) 2.10
CBSH's EBITDA Growth (3Y)(%) is ranked lower than
66% of the 1035 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CBSH: 2.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CBSH' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 7.20 Max: 16.1
Current: 2.1
0
16.1
EPS Growth (3Y)(%) 2.70
CBSH's EPS Growth (3Y)(%) is ranked lower than
66% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 vs. CBSH: 2.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CBSH' s 10-Year EPS Growth (3Y)(%) Range
Min: -8  Med: 8.10 Max: 17.7
Current: 2.7
-8
17.7
» CBSH's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q4 2014

CBSH Guru Trades in Q4 2014

Third Avenue Management 181,336 sh (-68.89%)
» More
Q1 2015

CBSH Guru Trades in Q1 2015

Third Avenue Management 199,220 sh (+9.86%)
» 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%)

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Preferred stocks of Commerce Bancshares Inc

SymbolPriceYieldDescription
CBSHP25.385.611/1000th 6 % Non-Cum Perp Pfd Shs Series -B-

Ratios

vs
industry
vs
history
P/E(ttm) 18.05
CBSH's P/E(ttm) is ranked lower than
71% of the 1251 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. CBSH: 18.05 )
Ranked among companies with meaningful P/E(ttm) only.
CBSH' s 10-Year P/E(ttm) Range
Min: 11.65  Med: 15.61 Max: 22.07
Current: 18.05
11.65
22.07
Forward P/E 15.82
CBSH's Forward P/E is ranked lower than
81% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.17 vs. CBSH: 15.82 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 17.90
CBSH's PE(NRI) is ranked lower than
70% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. CBSH: 17.90 )
Ranked among companies with meaningful PE(NRI) only.
CBSH' s 10-Year PE(NRI) Range
Min: 11.59  Med: 15.57 Max: 22
Current: 17.9
11.59
22
P/B 2.04
CBSH's P/B is ranked lower than
89% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CBSH: 2.04 )
Ranked among companies with meaningful P/B only.
CBSH' s 10-Year P/B Range
Min: 1.36  Med: 1.89 Max: 2.73
Current: 2.04
1.36
2.73
P/S 4.26
CBSH's P/S is ranked lower than
74% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. CBSH: 4.26 )
Ranked among companies with meaningful P/S only.
CBSH' s 10-Year P/S Range
Min: 2.29  Med: 3.80 Max: 6.05
Current: 4.26
2.29
6.05
PFCF 15.91
CBSH's PFCF is ranked lower than
67% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.27 vs. CBSH: 15.91 )
Ranked among companies with meaningful PFCF only.
CBSH' s 10-Year PFCF Range
Min: 4.11  Med: 12.69 Max: 44.46
Current: 15.91
4.11
44.46
POCF 13.59
CBSH's POCF is ranked lower than
68% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.79 vs. CBSH: 13.59 )
Ranked among companies with meaningful POCF only.
CBSH' s 10-Year POCF Range
Min: 4  Med: 11.28 Max: 28.61
Current: 13.59
4
28.61
EV-to-EBIT 11.30
CBSH's EV-to-EBIT is ranked higher than
64% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.99 vs. CBSH: 11.30 )
Ranked among companies with meaningful EV-to-EBIT only.
CBSH' s 10-Year EV-to-EBIT Range
Min: 6.2  Med: 10.30 Max: 21.5
Current: 11.3
6.2
21.5
PEG 2.08
CBSH's PEG is ranked lower than
73% of the 575 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. CBSH: 2.08 )
Ranked among companies with meaningful PEG only.
CBSH' s 10-Year PEG Range
Min: 0.97  Med: 1.93 Max: 12.48
Current: 2.08
0.97
12.48
Shiller P/E 18.91
CBSH's Shiller P/E is ranked lower than
59% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.76 vs. CBSH: 18.91 )
Ranked among companies with meaningful Shiller P/E only.
CBSH' s 10-Year Shiller P/E Range
Min: 10.52  Med: 16.19 Max: 19.62
Current: 18.91
10.52
19.62

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.89
CBSH's Dividend Yield is ranked lower than
67% of the 2204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. CBSH: 1.89 )
Ranked among companies with meaningful Dividend Yield only.
CBSH' s 10-Year Dividend Yield Range
Min: 1.62  Med: 2.09 Max: 3.2
Current: 1.89
1.62
3.2
Dividend Payout 0.34
CBSH's Dividend Payout is ranked higher than
66% of the 1287 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CBSH: 0.34 )
Ranked among companies with meaningful Dividend Payout only.
CBSH' s 10-Year Dividend Payout Range
Min: 0.19  Med: 0.28 Max: 0.71
Current: 0.34
0.19
0.71
Dividend growth (3y) 4.30
CBSH's Dividend growth (3y) is ranked lower than
61% of the 657 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. CBSH: 4.30 )
Ranked among companies with meaningful Dividend growth (3y) only.
CBSH' s 10-Year Dividend growth (3y) Range
Min: 3.5  Med: 8.00 Max: 19.1
Current: 4.3
3.5
19.1
Yield on cost (5-Year) 2.33
CBSH's Yield on cost (5-Year) is ranked lower than
63% of the 2195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. CBSH: 2.33 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CBSH' s 10-Year Yield on cost (5-Year) Range
Min: 1.99  Med: 2.57 Max: 3.93
Current: 2.33
1.99
3.93
Share Buyback Rate 2.30
CBSH's Share Buyback Rate is ranked higher than
92% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. CBSH: 2.30 )
Ranked among companies with meaningful Share Buyback Rate only.
CBSH' s 10-Year Share Buyback Rate Range
Min: 4.6  Med: 2.10 Max: -1
Current: 2.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.15
CBSH's Price/Tangible Book is ranked lower than
86% of the 1328 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. CBSH: 2.15 )
Ranked among companies with meaningful Price/Tangible Book only.
CBSH' s 10-Year Price/Tangible Book Range
Min: 1.42  Med: 2.07 Max: 2.99
Current: 2.15
1.42
2.99
Price/Projected FCF 0.76
CBSH's Price/Projected FCF is ranked lower than
57% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. CBSH: 0.76 )
Ranked among companies with meaningful Price/Projected FCF only.
CBSH' s 10-Year Price/Projected FCF Range
Min: 0.52  Med: 0.92 Max: 1.27
Current: 0.76
0.52
1.27
Price/Median PS Value 1.12
CBSH's Price/Median PS Value is ranked lower than
56% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. CBSH: 1.12 )
Ranked among companies with meaningful Price/Median PS Value only.
CBSH' s 10-Year Price/Median PS Value Range
Min: 0.65  Med: 0.93 Max: 4.39
Current: 1.12
0.65
4.39
Price/Peter Lynch Fair Value 3.19
CBSH's Price/Peter Lynch Fair Value is ranked lower than
97% of the 358 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. CBSH: 3.19 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
CBSH' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.51  Med: 1.67 Max: 3.13
Current: 3.19
0.51
3.13
Price/Graham Number 1.25
CBSH's Price/Graham Number is ranked lower than
80% of the 1155 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. CBSH: 1.25 )
Ranked among companies with meaningful Price/Graham Number only.
CBSH' s 10-Year Price/Graham Number Range
Min: 0.86  Med: 1.17 Max: 1.62
Current: 1.25
0.86
1.62
Earnings Yield (Greenblatt) (%) 8.88
CBSH's Earnings Yield (Greenblatt) (%) is ranked higher than
67% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. CBSH: 8.88 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CBSH' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 4.7  Med: 9.70 Max: 16
Current: 8.88
4.7
16
Forward Rate of Return (Yacktman) (%) 14.64
CBSH's Forward Rate of Return (Yacktman) (%) is ranked higher than
53% of the 765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. CBSH: 14.64 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CBSH' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 2.9  Med: 12.20 Max: 25.5
Current: 14.64
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

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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 

More From Other Websites
Commerce Bancshares, Inc. Declares Cash Dividends on Common and Preferred Stock Jul 24 2015
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Commerce Bancshares (CBSH) Beats on Q2 Earnings & Revenues - Analyst Blog Jul 15 2015
Commerce Bancshares upgraded by Raymond James Jul 15 2015
COMMERCE BANCSHARES INC /MO/ Files SEC form 8-K, Results of Operations and Financial Condition Jul 14 2015
Will Commerce Bancshares (CBSH) Stock be Helped by Earnings Beat? Jul 14 2015
Commerce's profit rises in Q2 Jul 14 2015
Commerce beats Street 2Q forecasts Jul 14 2015
Commerce beats Street 2Q forecasts Jul 14 2015
Q2 2015 Commerce Bancshares Inc Earnings Release - Before Market Open Jul 14 2015
Commerce Bancshares, Inc. Announces Record Second Quarter Earnings Per Common Share of $.75 Jul 14 2015
Why Earnings Season Could Be Great for Commerce Bancshares (CBSH) - Tale of the Tape Jul 10 2015
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