CBSH (Commerce Bancshares) Net Loan: $20,265 Mil (As of Mar. 2026)


CBSH Commerce Bancshares Inc CBSH
78 GF Score
Price $57.59
GF Value $58.32
Valuation Fairly Valued
! 3 Warning Signs
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What is Commerce Bancshares Net Loan?

Commerce Bancshares CBSH -2.12% 78 Net Loan is $20,265 Mil as of Mar. 2026. GuruFocus rates CBSH with a GF Score™ of 78/100 and a GF Value™ of $58.32 (Fairly Valued). The stock has 3 warning signs investors should review.

Commerce Bancshares's quarterly net loan declined from Sep. 2025 ($17,614 Mil) to Dec. 2025 ($17,596 Mil) but then increased from Dec. 2025 ($17,596 Mil) to Mar. 2026 ($20,265 Mil).

Commerce Bancshares's annual net loan increased from Dec. 2023 ($17,047 Mil) to Dec. 2024 ($17,596 Mil) and increased from Dec. 2024 ($17,596 Mil) to Dec. 2025 ($20,265 Mil).

Commerce Bancshares Net Loan Historical Data

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The historical data trend for Commerce Bancshares's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Commerce Bancshares Net Loan Chart

Commerce Bancshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 15,034.93 16,157.96 17,047.26 17,060.60 17,596.12

Commerce Bancshares Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 17,215.28 17,503.80 17,613.63 17,596.12 20,264.54
CBSH
78GF Score
Commerce Bancshares Inc CBSH
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Commerce Bancshares Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $20,265 Mil mean?
Commerce Bancshares (CBSH) has a Net Loan of $20,265 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Commerce Bancshares and its competitors.
Is Commerce Bancshares' Net Loan too high?
Commerce Bancshares' current Net Loan is $20,265 Mil. Overall, Commerce Bancshares has a GF Score™ of 78/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Commerce Bancshares' Net Loan compare to BOKF and VLY?
Commerce Bancshares' Net Loan of $20,265 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Commerce Bancshares and its competitors. Commerce Bancshares's current Net Loan is $20,265 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Commerce Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Commerce Bancshares (CBSH) is currently considered Fairly Valued. The stock's GF Value™ is $58.32, compared to a current price of $57.59 — trading 1.3% below its estimated fair value. The current Net Loan is $20,265 Mil. Commerce Bancshares' overall GF Score™ is 78/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Commerce Bancshares (CBSH), the current Net Loan is $20,265 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Commerce Bancshares (CBSH) Overvalued in 2026?

Based on GuruFocus' analysis, Commerce Bancshares stock appears to be undervalued. The current stock price of $57.59 is trading 1.3% below its estimated GF Value™ of $58.32. GuruFocus considers Commerce Bancshares to be Fairly Valued.

Key valuation signals for CBSH:

  • Net Loan: $20,265 Mil
  • GF Value™: $58.32 vs. price of $57.59 (1.3% below fair value)
  • GF Score™: 78/100 with 3 warning signs

No single metric tells the full story. See the CBSH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Commerce Bancshares Business Description

Address 1000 Walnut, Kansas City, MO, USA, 64106
Commerce Bancshares Inc operates as the bank holding company for Commerce Bank. The bank is engaged in the general banking business, providing a broad range of retail, mortgage banking, corporate, investment, trust, and asset management products and services to individuals, businesses, and municipalities. The company has three reportable segments. The Commercial segment provides lending, leasing, deposit, payment, and cash management services to business and government customers. The Retail Banking segment offers consumer deposits, consumer lending, mortgage banking, and debit and credit card services through its branch network. The Wealth segment provides trust, estate planning, brokerage, and investment management services to individual and institutional clients.
78GF Score

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Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$57.59
Price
$58.32
GF Value