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Commerce BancsharesCBSH -0.29%81 Equity-to-Asset is 0.12 as of Mar. 2026, which is 20% above its 10-year median of 0.10. GuruFocus rates CBSH with a GF Score™ of 81/100 and a GF Value™ of $58.37 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,525 Banks companies, Commerce Bancshares ranks better than 72.39% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Commerce Bancshares's Total Stockholders Equity for the quarter that ended in Mar. 2026 was $4,302 Mil. Commerce Bancshares's Total Assets for the quarter that ended in Mar. 2026 was $35,717 Mil.
Therefore, Commerce Bancshares's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.12.
The historical rank and industry rank for Commerce Bancshares's Equity-to-Asset or its related term are showing as below:
CBSH'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07 Med: 0.1 Max: 0.12
Current: 0.12
During the past 13 years, the highest Equity to Asset Ratio of Commerce Bancshares was 0.12. The lowest was 0.07. And the median was 0.10.
CBSH's Equity-to-Asset is ranked better than 72.39% of 1525
companies
in the Banks industry
Industry Median: 0.1
vs CBSH: 0.12
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Commerce Bancshares Equity-to-Asset Related Terms
Commerce Bancshares Equity-to-Asset Historical Data
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The historical data trend for Commerce Bancshares's Equity-to-Asset 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.
CBSH vs BOKF, PB, COLB: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Commerce Bancshares's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Commerce Bancshares Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Commerce Bancshares's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Commerce Bancshares's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Commerce Bancshares's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 (CBSH) has a Equity-to-Asset of 0.12 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Commerce Bancshares and its competitors. This is 20% above median its historical median of 0.10. Over the past decade, Commerce Bancshares' Equity-to-Asset has ranged from 0.07 to 0.12. According to the industry distribution chart, Commerce Bancshares ranks #421 out of 1525 companies in the Banks industry, placing it in the top 27.6%.
Is Commerce Bancshares' Equity-to-Asset too high?
Commerce Bancshares' current Equity-to-Asset of 0.12 is 20% above median its 10-year median of 0.10. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.12. The Banks industry median Equity-to-Asset is 0.10. Commerce Bancshares' value of 0.12 is 20% above this industry median. Based on the distribution chart, Commerce Bancshares ranks #421 out of 1525 companies in the Banks industry, which is above the industry midpoint. Overall, Commerce Bancshares has a GF Score™ of 81/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Commerce Bancshares' Equity-to-Asset compare to BOKF and PB?
According to the Banks industry distribution chart, Commerce Bancshares ranks #421 out of 1525 companies for Equity-to-Asset. This puts Commerce Bancshares in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Commerce Bancshares' value of 0.12 is 20% above this benchmark. Historically, Commerce Bancshares' own Equity-to-Asset has ranged from 0.07 to 0.12 over the past decade. While the company's 10-year median is 0.10 vs. the industry median of 0.10, Commerce Bancshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Commerce Bancshares's current Equity-to-Asset of 0.12 is 20% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Commerce Bancshares and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commerce Bancshares's current Equity-to-Asset is 0.12, which is 20% above median its own 10-year median of 0.10. 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 $58.37, compared to a current price of $59.27 — trading 1.5% above its estimated fair value. The current Equity-to-Asset is 0.12, which is 20% above median its 10-year median of 0.10 and 20% above the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Commerce Bancshares (CBSH), the current Equity-to-Asset is 0.12 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 overvalued.
The current stock price of $59.27 is trading 1.5% above its estimated GF Value™ of $58.37.
GuruFocus considers Commerce Bancshares to be Fairly Valued.
Key valuation signals for CBSH:
Equity-to-Asset: 0.12 (20% above median its 10-year median of 0.10)
GF Value™: $58.37 vs. price of $59.27 (1.5% above fair value)
Industry Position: 20% above the Banks median (#421 of 1525)
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 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
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