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Also traded in: Germany

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 5.27
CBSH's Cash to Debt is ranked higher than
54% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.02 vs. CBSH: 5.27 )
Ranked among companies with meaningful Cash to Debt only.
CBSH' s Cash to Debt Range Over the Past 10 Years
Min: 0.4  Med: 4.06 Max: 173.56
Current: 5.27
0.4
173.56
Equity to Asset 0.10
CBSH's Equity to Asset is ranked lower than
51% of the 1662 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 Equity to Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.10 Max: 0.11
Current: 0.1
0.09
0.11
Interest Coverage 13.11
CBSH's Interest Coverage is ranked higher than
93% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. CBSH: 13.11 )
Ranked among companies with meaningful Interest Coverage only.
CBSH' s Interest Coverage Range Over the Past 10 Years
Min: 0.75  Med: 5.58 Max: 13.65
Current: 13.11
0.75
13.65
F-Score: 5
WACC vs ROIC
6.79%
13.91%
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 (%) 34.91
CBSH's Operating margin (%) is ranked higher than
60% of the 1681 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.85 vs. CBSH: 34.91 )
Ranked among companies with meaningful Operating margin (%) only.
CBSH' s Operating margin (%) Range Over the Past 10 Years
Min: 24.16  Med: 35.52 Max: 38.17
Current: 34.91
24.16
38.17
Net-margin (%) 24.12
CBSH's Net-margin (%) is ranked higher than
56% of the 1681 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.34 vs. CBSH: 24.12 )
Ranked among companies with meaningful Net-margin (%) only.
CBSH' s Net-margin (%) Range Over the Past 10 Years
Min: 16.38  Med: 24.33 Max: 25.79
Current: 24.12
16.38
25.79
ROE (%) 10.72
CBSH's ROE (%) is ranked higher than
67% of the 1676 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.28 vs. CBSH: 10.72 )
Ranked among companies with meaningful ROE (%) only.
CBSH' s ROE (%) Range Over the Past 10 Years
Min: 9.77  Med: 12.04 Max: 15.82
Current: 10.72
9.77
15.82
ROA (%) 1.11
CBSH's ROA (%) is ranked higher than
67% of the 1686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. CBSH: 1.11 )
Ranked among companies with meaningful ROA (%) only.
CBSH' s ROA (%) Range Over the Past 10 Years
Min: 0.95  Med: 1.18 Max: 1.51
Current: 1.11
0.95
1.51
Revenue Growth (3Y)(%) 4.10
CBSH's Revenue Growth (3Y)(%) is ranked higher than
59% of the 1387 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. CBSH: 4.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CBSH' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 1.3  Med: 6.30 Max: 10.4
Current: 4.1
1.3
10.4
EBITDA Growth (3Y)(%) -2.10
CBSH's EBITDA Growth (3Y)(%) is ranked lower than
72% of the 1278 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. CBSH: -2.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CBSH' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -7.5  Med: 7.00 Max: 14.7
Current: -2.1
-7.5
14.7
EPS Growth (3Y)(%) 0.30
CBSH's EPS Growth (3Y)(%) is ranked lower than
69% of the 1258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CBSH: 0.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CBSH' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -8.1  Med: 7.80 Max: 17.8
Current: 0.3
-8.1
17.8
» CBSH's 10-Y Financials

Financials (Next Earnings Date: 2016-07-13)


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

» Details

Guru Trades

Q2 2015

CBSH Guru Trades in Q2 2015

Paul Tudor Jones 4,800 sh (New)
Third Avenue Management 199,220 sh (unchged)
» More
Q3 2015

CBSH Guru Trades in Q3 2015

Jim Simons 72,900 sh (New)
Third Avenue Management 199,269 sh (+0.02%)
Paul Tudor Jones Sold Out
» More
Q4 2015

CBSH Guru Trades in Q4 2015

Jim Simons 173,105 sh (+126.15%)
Third Avenue Management 188,533 sh (-9.89%)
» More
Q1 2016

CBSH Guru Trades in Q1 2016

Jim Simons 317,405 sh (+83.36%)
Third Avenue Management 188,638 sh (+0.06%)
» 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
CBSHP27.505.461/1000th 6 % Non-Cum Perp Pfd Shs Series -B-

Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:PACW, NAS:TFSL, NAS:BOKF, NYSE:CFR, NAS:SIVB, NYSE:SNV, NAS:FNFG, NAS:ZION, NYSE:WAL, NYSE:PB, NAS:FMER, NAS:UMPQ, NAS:OZRK, NYSE:BKU, NYSE:WBS, NYSE:FHN, NAS:PVTB, NAS:BPOP, NYSE:BOH, NAS:HOMB » details
Traded in other countries:CB5.Germany,
Commerce Bancshares Inc is a bank holding company. The Company through its subsidiaries engages in banking business, providing a range of retail, corporate, investment, trust, and asset management products and services to individuals and businesses.

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.

Ratios

vs
industry
vs
history
P/E(ttm) 17.90
CBSH's P/E(ttm) is ranked lower than
75% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. CBSH: 17.90 )
Ranked among companies with meaningful P/E(ttm) only.
CBSH' s P/E(ttm) Range Over the Past 10 Years
Min: 11.65  Med: 15.76 Max: 22.07
Current: 17.9
11.65
22.07
Forward P/E 18.18
CBSH's Forward P/E is ranked lower than
89% of the 385 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.58 vs. CBSH: 18.18 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 17.69
CBSH's PE(NRI) is ranked lower than
75% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. CBSH: 17.69 )
Ranked among companies with meaningful PE(NRI) only.
CBSH' s PE(NRI) Range Over the Past 10 Years
Min: 11.55  Med: 15.73 Max: 21.94
Current: 17.69
11.55
21.94
Price/Owner Earnings (ttm) 17.19
CBSH's Price/Owner Earnings (ttm) is ranked lower than
73% of the 857 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.32 vs. CBSH: 17.19 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
CBSH' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 9.45  Med: 14.48 Max: 38.96
Current: 17.19
9.45
38.96
P/B 2.00
CBSH's P/B is ranked lower than
87% of the 1706 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. CBSH: 2.00 )
Ranked among companies with meaningful P/B only.
CBSH' s P/B Range Over the Past 10 Years
Min: 1.36  Med: 1.87 Max: 2.7
Current: 2
1.36
2.7
P/S 4.06
CBSH's P/S is ranked lower than
74% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. CBSH: 4.06 )
Ranked among companies with meaningful P/S only.
CBSH' s P/S Range Over the Past 10 Years
Min: 2.29  Med: 3.59 Max: 4.61
Current: 4.06
2.29
4.61
PFCF 12.50
CBSH's PFCF is ranked lower than
63% of the 893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.10 vs. CBSH: 12.50 )
Ranked among companies with meaningful PFCF only.
CBSH' s PFCF Range Over the Past 10 Years
Min: 4.12  Med: 11.99 Max: 44.24
Current: 12.5
4.12
44.24
POCF 11.57
CBSH's POCF is ranked lower than
66% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.84 vs. CBSH: 11.57 )
Ranked among companies with meaningful POCF only.
CBSH' s POCF Range Over the Past 10 Years
Min: 4.01  Med: 10.86 Max: 28.61
Current: 11.57
4.01
28.61
EV-to-EBIT 10.80
CBSH's EV-to-EBIT is ranked higher than
60% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.99 vs. CBSH: 10.80 )
Ranked among companies with meaningful EV-to-EBIT only.
CBSH' s EV-to-EBIT Range Over the Past 10 Years
Min: 6.4  Med: 9.80 Max: 21.5
Current: 10.8
6.4
21.5
EV-to-EBITDA 10.80
CBSH's EV-to-EBITDA is ranked higher than
55% of the 1546 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.77 vs. CBSH: 10.80 )
Ranked among companies with meaningful EV-to-EBITDA only.
CBSH' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5.7  Med: 8.80 Max: 16.4
Current: 10.8
5.7
16.4
PEG 6.14
CBSH's PEG is ranked lower than
90% of the 751 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.07 vs. CBSH: 6.14 )
Ranked among companies with meaningful PEG only.
CBSH' s PEG Range Over the Past 10 Years
Min: 1.03  Med: 2.10 Max: 125.07
Current: 6.14
1.03
125.07
Shiller P/E 20.00
CBSH's Shiller P/E is ranked lower than
61% of the 505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.65 vs. CBSH: 20.00 )
Ranked among companies with meaningful Shiller P/E only.
CBSH' s Shiller P/E Range Over the Past 10 Years
Min: 11.24  Med: 16.65 Max: 21.19
Current: 20
11.24
21.19

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.90
CBSH's Dividend Yield is ranked lower than
73% of the 2247 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.04 vs. CBSH: 1.90 )
Ranked among companies with meaningful Dividend Yield only.
CBSH' s Dividend Yield Range Over the Past 10 Years
Min: 1.63  Med: 2.09 Max: 3.19
Current: 1.9
1.63
3.19
Dividend Payout 0.33
CBSH's Dividend Payout is ranked higher than
66% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. CBSH: 0.33 )
Ranked among companies with meaningful Dividend Payout only.
CBSH' s Dividend Payout Range Over the Past 10 Years
Min: 0.19  Med: 0.29 Max: 0.7
Current: 0.33
0.19
0.7
Dividend Growth (3y) 4.30
CBSH's Dividend Growth (3y) is ranked lower than
64% of the 751 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.50 vs. CBSH: 4.30 )
Ranked among companies with meaningful Dividend Growth (3y) only.
CBSH' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 3.5  Med: 8.00 Max: 19.1
Current: 4.3
3.5
19.1
Forward Dividend Yield 1.84
CBSH's Forward Dividend Yield is ranked lower than
77% of the 2105 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.22 vs. CBSH: 1.84 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.32
CBSH's Yield on cost (5-Year) is ranked lower than
68% of the 2502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. CBSH: 2.32 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CBSH' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.99  Med: 2.56 Max: 3.9
Current: 2.32
1.99
3.9
3-Year Average Share Buyback Ratio 2.80
CBSH's 3-Year Average Share Buyback Ratio is ranked higher than
94% of the 1081 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. CBSH: 2.80 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CBSH' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -1.4  Med: 2.20 Max: 4.5
Current: 2.8
-1.4
4.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.08
CBSH's Price/Tangible Book is ranked lower than
85% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. CBSH: 2.08 )
Ranked among companies with meaningful Price/Tangible Book only.
CBSH' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.41  Med: 2.07 Max: 3.01
Current: 2.08
1.41
3.01
Price/Projected FCF 0.74
CBSH's Price/Projected FCF is ranked lower than
63% of the 907 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. CBSH: 0.74 )
Ranked among companies with meaningful Price/Projected FCF only.
CBSH' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.5  Med: 0.79 Max: 1.29
Current: 0.74
0.5
1.29
Price/Median PS Value 1.13
CBSH's Price/Median PS Value is ranked lower than
70% of the 1614 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. CBSH: 1.13 )
Ranked among companies with meaningful Price/Median PS Value only.
CBSH' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.65  Med: 1.01 Max: 4.62
Current: 1.13
0.65
4.62
Price/Graham Number 1.28
CBSH's Price/Graham Number is ranked lower than
82% of the 1506 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. CBSH: 1.28 )
Ranked among companies with meaningful Price/Graham Number only.
CBSH' s Price/Graham Number Range Over the Past 10 Years
Min: 0.84  Med: 1.22 Max: 1.63
Current: 1.28
0.84
1.63
Earnings Yield (Greenblatt) (%) 9.23
CBSH's Earnings Yield (Greenblatt) (%) is ranked higher than
64% of the 1699 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. CBSH: 9.23 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CBSH' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 4.7  Med: 10.20 Max: 15.7
Current: 9.23
4.7
15.7
Forward Rate of Return (Yacktman) (%) 7.37
CBSH's Forward Rate of Return (Yacktman) (%) is ranked lower than
65% of the 870 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.80 vs. CBSH: 7.37 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CBSH' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 0.2  Med: 13.15 Max: 23.7
Current: 7.37
0.2
23.7

More Statistics

Revenue (TTM) (Mil) $1,111
EPS (TTM) $ 2.59
Beta0.66
Short Percentage of Float6.17%
52-Week Range $37.44 - 49.41
Shares Outstanding (Mil)96.55

Analyst Estimate

Dec16 Dec17
Revenue (Mil $) 1,145 1,204
EPS ($) 2.69 2.93
EPS w/o NRI ($) 2.69 2.93
EPS Growth Rate
(3Y to 5Y Estimate)
8.00%
» More Articles for CBSH

Headlines

Articles On GuruFocus.com
5 Dividend Champion Stocks May 06 2015 
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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 

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