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Commerce BancsharesCBSH -1.36%80 5-Year Yield-on-Cost % is 2.38 as of Jul. 30, 2026, which is 15% above its 10-year median of 2.07. GuruFocus rates CBSH with a GF Score™ of 80/100 and a GF Value™ of $58.36 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,251 Banks companies, Commerce Bancshares ranks worse than 74.58% on this metric.
Commerce Bancshares's yield on cost for the quarter that ended in Mar. 2026 was 2.38.
The historical rank and industry rank for Commerce Bancshares's 5-Year Yield-on-Cost % or its related term are showing as below:
CBSH'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.65 Med: 2.07 Max: 3.23
Current: 2.38
During the past 13 years, Commerce Bancshares's highest Yield on Cost was 3.23. The lowest was 1.65. And the median was 2.07.
CBSH's 5-Year Yield-on-Cost % is ranked worse than 74.58% of 1251
companies
in the Banks industry
Industry Median: 3.84
vs CBSH: 2.38
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Commerce Bancshares 5-Year Yield-on-Cost % Related Terms
CBSH vs BOKF, PB, COLB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Commerce Bancshares's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Commerce Bancshares's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Commerce Bancshares's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Commerce Bancshares (CBSH) has a 5-Year Yield-on-Cost % of 2.38 as of Jul. 30, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Commerce Bancshares and its competitors. This is 15% above median its historical median of 2.07. Over the past decade, Commerce Bancshares' 5-Year Yield-on-Cost % has ranged from 1.65 to 3.23. According to the industry distribution chart, Commerce Bancshares ranks #933 out of 1251 companies in the Banks industry, placing it in the top 74.6%.
Is Commerce Bancshares' 5-Year Yield-on-Cost % too high?
Commerce Bancshares' current 5-Year Yield-on-Cost % of 2.38 is 15% above median its 10-year median of 2.07. Over the past 10 years, this metric has ranged from a low of 1.65 to a high of 3.23. The Banks industry median 5-Year Yield-on-Cost % is 3.84. Commerce Bancshares' value of 2.38 is 38% below this industry median. Based on the distribution chart, Commerce Bancshares ranks #933 out of 1251 companies in the Banks industry, which is below the industry midpoint. Overall, Commerce Bancshares has a GF Score™ of 80/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Commerce Bancshares' 5-Year Yield-on-Cost % compare to BOKF and PB?
According to the Banks industry distribution chart, Commerce Bancshares ranks #933 out of 1251 companies for 5-Year Yield-on-Cost %. This places Commerce Bancshares in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.84. Commerce Bancshares' value of 2.38 is 38% below this benchmark. Historically, Commerce Bancshares' own 5-Year Yield-on-Cost % has ranged from 1.65 to 3.23 over the past decade. While the company's 10-year median is 2.07 vs. the industry median of 3.84, Commerce Bancshares has consistently been below 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.84, based on 1,251 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Commerce Bancshares's current 5-Year Yield-on-Cost % of 2.38 is 38% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Commerce Bancshares and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.84 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commerce Bancshares's current 5-Year Yield-on-Cost % is 2.38, which is 15% above median its own 10-year median of 2.07. 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 $58.36, compared to a current price of $59.51 — trading 2% above its estimated fair value. The current 5-Year Yield-on-Cost % is 2.38, which is 15% above median its 10-year median of 2.07 and 38% below the Banks industry median of 3.84. Commerce Bancshares' overall GF Score™ is 80/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Commerce Bancshares (CBSH), the current 5-Year Yield-on-Cost % is 2.38 as of Jul. 30, 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 $59.51 is trading 2% above its estimated GF Value™ of $58.36.
GuruFocus considers Commerce Bancshares to be Fairly Valued.
Key valuation signals for CBSH:
5-Year Yield-on-Cost %: 2.38 (15% above median its 10-year median of 2.07)
GF Value™: $58.36 vs. price of $59.51 (2% above fair value)
Industry Position: 38% below the Banks median (#933 of 1251)
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.
80GF Score
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