Commerce Bancshares (FRA:CB5) Net Loan: €17,529 Mil (As of Mar. 2026)

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FRA:CB5 Commerce Bancshares Inc FRA:CB5
81 GF Score
Price €51.50
GF Value €50.72
! 3 Warning Signs
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What is Commerce Bancshares Net Loan?

Commerce Bancshares FRA:CB5 -1.90% 81 Net Loan is €17,529 Mil as of Mar. 2026. GuruFocus rates FRA:CB5 with a GF Score™ of 81/100 and a GF Value™ of €50.72. The stock has 3 warning signs investors should review.

Commerce Bancshares's quarterly net loan increased from Sep. 2025 (€15,007 Mil) to Dec. 2025 (€15,027 Mil) and increased from Dec. 2025 (€15,027 Mil) to Mar. 2026 (€17,529 Mil).

Commerce Bancshares's annual net loan increased from Dec. 2023 (€15,632 Mil) to Dec. 2024 (€15,027 Mil) but then declined from Dec. 2024 (€15,027 Mil) to Dec. 2025 (€17,529 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 13,305.91 15,253.11 15,632.34 16,292.88 15,027.09

Commerce Bancshares Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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 15,175.80 15,006.82 15,027.09 17,528.83 17,917.17
FRA:CB5
81GF Score
Commerce Bancshares Inc FRA:CB5
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 €17,529 Mil mean?
Commerce Bancshares (FRA:CB5) has a Net Loan of €17,529 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 €17,529 Mil. Overall, Commerce Bancshares has a GF Score™ of 81/100, reflecting its overall financial health beyond just this single metric.
How does Commerce Bancshares' Net Loan compare to BOKF and PB?
Commerce Bancshares' Net Loan of €17,529 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 €17,529 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?
Commerce Bancshares (FRA:CB5) has a current Net Loan of €17,529 Mil. The stock's GF Value™ is €50.72, compared to a current price of €51.50 — trading 1.5% above its estimated fair value. The current Net Loan is €17,529 Mil. Commerce Bancshares' overall GF Score™ is 81/100 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 (FRA:CB5), the current Net Loan is €17,529 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 (FRA:CB5) Overvalued in 2026?

Based on GuruFocus' analysis, Commerce Bancshares stock appears to be overvalued. The current stock price of €51.50 is trading 1.5% above its estimated GF Value™ of €50.72.

Key valuation signals for FRA:CB5:

  • Net Loan: €17,529 Mil
  • GF Value™: €50.72 vs. price of €51.50 (1.5% above fair value)
  • GF Score™: 81/100 with 3 warning signs

No single metric tells the full story. See the FRA:CB5 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Commerce Bancshares Business Description

Other Exchanges CBSH:USA
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.
81GF Score

Get the complete analysis for FRA:CB5

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

€51.50
Price
€50.72
GF Value